23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My Driver 's license and XXXX ID were stolen along with my external security/password bank so nearly all my accounts were compromised since they had full access to my identity, passwords, PINs. Luckily, I was been able to prevent new credit accounts and loans from opening, shutting down my bank accounts from take-over ( Had to open all new accounts within my closest branch ), and preventing further government identification ( as there have been reports of my SSN being used by in the states of Indiana and Illinois ) along with Tax and Job Fraud.

Hopefully, I have taken all the necessary steps to prevent any further negative impacts from arising and I requested Avant 's help in forwarding the materials they reviewed as I also wanted to continue to prevent future misuse of my identity and my accounts. 

Avant denied my claim for the charges on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously been trying to submit a formal complaint with Experian an they will not do an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made a dispute with credit bureau in regards to inaccurate accounts. Credit bureau sent a letter stating the disputed accounts were " verified. '' However these accounts are not reporting correctly so im confused how they are verified while being incorrect. I then sent a letter to the bureau asking for documents contained in the investigation based on FCRA 611 ( A ) ( 7 ). As of today XX/XX/2020 I have not received info about the report and incorrect items still remain. The bureau is not following E-Oscar and Metro 2 compliance protocol.
Product: Credit card or prepaid card

American Express closed my XXXX XXXX XXXX XXXX XXXX Credit Card on XX/XX/2023. American Express continues to hold {$770.00} of my money. American Express has made no attempt to refund the outstanding balance and holds my money without crediting any interest.
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. XXXX  XXXX, XXXX XXXXXXXX has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

Starting on XX/XX/XXXX I have been getting calls from veros credit about a auto loan my mom has. I have repeatedly told them do not call me I have nothing to do with my mother she lives in a different city than me. They call 5 times a day harassing me saying they are reporting my mothers car stolen. Then as of yesterday XX/XX/XXXX they have been using different sheriffs offices phone numbers. They have used XXXX XXXX, XXXX and XXXX sheriffs department numbers so far. The creditors name is XXXX XXXX from Veros credit. One of her many numbers is XXXX.
Product: Money transfers

I sent funds to a relative phone number via Google Wallet, and it did n't go through, I shortly received a message from Google Wallet indicating that " that they canceled the transaction because of unusual account activity. {$300.00} has been refunded to your XXXX. It may take a few days for the refund to show up on your account transaction history. '' however, after several inquiries to Google Wallet, I have not had the funds returned to my account ( Please see contact records ).
Product: Mortgage

XXXX XXXX. Qualified Written Request Letter was sent certified to XXXX XXXX XXXX and delivered by USPS on XX/XX/2021 at XXXX XXXX 
XXXX still has not responded to that letter as of today, XX/XX/2021. 

This date has far surpassed the five day mark that XXXX has to respond to the QWR letter.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, the week off to be exact I applied to a Credit Card via CREDIT KARMA. I was denied, they had promised me compensation from their ad and nothing was done. 
They have violated my rights, I did not give them written/un-written, verbal/nonverbal permission to have my information sent out to other companies per the FAIR CREDIT REPORTING ACT. XXXX, XXXX, XXXX are credit reporting agencies and I demand that they move all inquiries per the FCRA and the Privacy Act of 1974 states : " ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction. 
I am OPTING OUT of CREDIT KARMA -12 CFR 1016.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices, NO NOTICE whatsoever was given by CREDIT KARMA
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday XX/XX/2018 I reached out to this bureau to request that fraudulent student accounts that are reporting on my credit file be blocked pursuant to section 605B of the Fair Credit Reporting Act. They did remove some but not all of the fraudulent items. 

They did not remove : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX  XXXX XXXX I would like to request that these items be block in accordance with section 605B of the Fair Credit Reporting Act. 

I would also like to request a copy of the investigation including the company ( s )  they are receiving this fraudulent information from.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX an Account was opened w XXXX bank to purchase a massage chair at a local fair. After getting home and realizing the chair would not fit in my house the company was called and the order for the chair was cancelled and XXXX account was closed. This month I received a bill from XXXX for XXXX. I called them and spoke with their fraud dept. the guy I spoke with said he could see account was closed in XX/XX/ 2022 yet their was a purchase on the closed account in XX/XX/ 2022. This is not my purchase and this account should have been closed in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting inaccurately and is in violation of my consumer rights. The following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I have been emailed several times about payments and payment arrangements from this company. After reading 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an 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. 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. Acct number are not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date Opened not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date last active not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Account is charged off but still reporting a past due balance. 

Also as defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate.
Product: Credit reporting or other personal consumer reports

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

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

I am deeply disturbed by your ability to undermine my confidence in the banking system. The banking system is dependent upon fair and accurate consumer reporting, pursuant to 15USC1681 ( a ) ( 1 ). I noticed accounts that are on my consumer report ; List Accounts and Acc # s *BANC OF CALIFORNIA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX IN QUESTION : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX Account # XXXX Balance : {$260000.00} Pursuant to 15 USC 1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report.

A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. 

When did I give XXXX written permission to furnish this account on my consumer report when i was never notified or attended any court meeting? My social security number was used to furnish this account without my written permission on my consumer report. That is the definition of identity theft. 

15 USC 1681Q Obtaining information, Under false pretenses. Any person ( PERSON- definition ) - Any individual, partnership, corporation, trust, estate, cooperative association , government or governmental subdivision or agency of entity.

That is the definition of IDENTITY THEFT.

15 USC 1681C 2- Block of information resulting from identity theft EXCEPT or otherwise provided in this section A consumer reporting agency SHALL BLOCK the reporting of any information in the file of a consumer that the consumer identifies information that resulted from an alleged identity, not later than 4 business days after the date of the receipt by such agency
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXXXXXX sold me a lemon car piece of XXXX!
Product: Credit reporting or other personal consumer reports

The following accounts were fraudulently obtained in my name without my permission or knowledge. I've contacting each creditor about the activity. Below are the dates the fraudulent accounts were opened and also the amount of the charges. 

AMEX Date opened : XX/XX/XXXX. 
Amount charged:XXXX. 

AMEX Date opened : XX/XX/XXXX. 
Amount charged : XXXX. 

XXXX XXXX Date Opened XX/XX/XXXX. 
Amount Charged XXXX XXXX XXXX Date Opened : XX/XX/XXXX. 
Amount Charged XXXX XXXX Date Opened XX/XX/XXXX. 
Amount charged : XXXX. 

Please remove as soon as possible. 
THANK YOU
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX are in violation of consumer law code 15 USC 1681 B Permissible Purpose. I did not authorize the inquiries below, nor did I give written consent for these inquiries to be reported. I demand these fraudulent inquiries be removed immediately. Additionally, I demand that Equifax, XXXX, and XXXX provide proof of my written signature stating that I authorized these transactions. If such documentation isn't provided I demand that the inquiries be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

They got child support on my report thats against the law and charge off on my report are wrong
Product: Money transfer, virtual currency, or money service

There was no warning about not being able to receive money sent in error.
Product: Credit card or prepaid card

I paid off my entire balance, which was posted as {$360.00}, in XXXX XXXX 2017. I checked the balance in XX/XX/XXXX, and they had billed me {$5.00} in interest for that cycle, after I had already paid it off on full. The explanation I was given was that you have to have no balance for two months straight to avoid being charged interest. What was that {$5.00} of interest based off of since I paid off the whole balance the month before? Did they conceal the real balance in order to continue to charge me interest? At the very least they were misrepresenting the full balance on my account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX XXXX equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX ( ( Original XXXX CREDIT XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) - XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) - XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank of America sent me a demand for information regarding a business an account that has been with the bank for 30 years. They are looking for organizing documents, articles of incorporation, etc. I said those were not easily available or may not exist anymore. I said i have filed annual report with the state of new jersey and federal tax returns. XXXX XXXX XXXX said those are not good enough and if i do not comply Bank of America that " We can freeze your account ''
Product: Credit card

I have had several attempts from someone trying to open up credit cards under my name and information recently. I have contacted the companies involved as well as my credit bureaus. I have also filed a police report with the XXXX Police Department. The following XXXX inquiries on my credit report were not authorized by me : Capital One on XXXX XXXX XXXX on XXXX XXXX XXXX on XXXX There is currently a fraud alert on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Opened XX/XX/2013Amount XXXX Account balance XXXX account paid XXXX balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am reporting Equifax credit reporting bureaus i have already submitted a compliant about these crooks, here is the problem this company have my score down nearly a 100 points vs the other 2 agency something is really wrong, i don't trust their reporting and this is my 3rd attempt too bring this matter too light
Product: Money transfer, virtual currency, or money service

I am 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 ar address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution proces 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 and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a Mortgage application with XXXX on XX/XX/XXXX and got pre-approval. I purchased the house with another lender in XX/XX/XXXX and didn't use XXXX. 

Now it's XX/XX/XXXX and my XXXX pre-approval expired. The agent from XXXX contacted me today ( XX/XX/XXXX ) and asked if I authorize them to pull my credit report in order to keep the pre-approval letter ( see attached ). 

However, before I got a chance to contact XXXX and cancel this cancel the pre-approval, XXXX pulled my credit report again in the afternoon of XXXX/XXXX/XXXX without my written approval. This action doesn't make sense as they don't have my consent to pull my credit again in XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

When I checked my credit report, a list of lenders was presented as " outstanding approval odds '' The message read as follows through XXXX XXXX  : " You have Outstanding Approval Odds for {$32000.00} Many members use loans to pay off debt, which often helps their score '' I thought this was my opportunity to pay off a few small debts I have, and stay with one small monthly payment, so I was confident that it was going to be a smooth transaction process. Therefore, the company that I felt familiarized with was One Main Financial ; so, I requested a loan of only {$4500.00} from them. Unfortunately, the process took various days ( approximately XXXX days ) ; representatives would constantly call me to request documents, such as check stubs, student loan screen shots of my balance, payment status, etc., which I immediately submitted. Then, today, I received their last call, and I was notified that unfortunately I do not qualify for the requested loan due to my " outstanding '' student loans ( which I am not paying back yet, and I am XXXX XXXX XXXX XXXX  ). According to them, even if I was " pre-approved '' I am now disqualified for the requested loan, and this has now created a new dent on my credit line due to being a hard inquiry. Where are the good news at being " pre-approved '' for a personal loan? Being pre-approved made me believe I just needed to present basic documents, sign, date and bam ( either a deposit or a check to cash or deposit ). I strongly believe customers are being misled with One Main Financial via XXXX XXXX. I have a job of XXXX years, I possess a XXXX XXXX XXXX, I am still a XXXX trying to pursue my XXXX XXXX XXXX, plus I make my payments on time, which is reflected on my credit report as XXXX % on time. However, these individuals are lying, and causing for people to lower their self-esteem, waste their time, lower their credit score, among other emerging issues related to misled information and broken promises. I would like to submit this complaint since I am sure I am not their only victim.
Product: Credit reporting or other personal consumer reports

I am disputing this account under 15 USC 6802, which ensures my right to privacy and protection against unauthorized sharing of my personal information. This account contains inaccurate information, and I did not authorize the sharing or reporting of this data under the conditions set forth by this law. I request immediate removal of this account as it is in violation of my rights under the Gramm-Leach-Bliley Act and other relevant consumer protection statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a membership with XXXX i corrected with XXXX when i noticed they had wrong information on my credit report they have XXXX XXXX XXXX on there which iam not my middle name is XXXX or maiden name XXXX please correct.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 credit card account opened at at XXXX XXXX  on XX/XX/XXXX, under account number XXXX, an auto loan at XXXX XXXX on XX/XX/XXXX, under account number XXXX, a collection account with XXXX, XXXX and XXXX on XX/XX/XXXX, under Account number XXXX, a credit card with XXXX XXXX XXXX  on XX/XX/XXXX under account number XXXX a loan with XXXX XXXX XXXX  on XX/XX/XXXX several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This account is over 7years old and is still showing on my credit report