23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX H XXXX FOR ( XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX  XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXXI ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ). Here I attach, along with the dispute, my fraud report that I just sent to experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Checking or savings account

At XXXX on XX/XX/XXXX I received a phone call and the caller ID said Wells Fargo XXXX which is who I bank with so I answered. The phone number that called me was XXXX, which belongs to the Wells Fargo customer service line. When I answered it was an automated voice asking me if I had made a large transfer. The automated voice said that I received a text and to verify my identity with the XXXX digit code that was texted to me. I received a text from the number XXXX. The code was XXXX. Once I inputted the code the automated voice asked me to press 1 if I did not authorize a large transfer today. I pressed 1 and then the automated voice said that that was all they needed and that they would contact me if anything else was needed and the call ended. I then received a phone call from the Wells Fargo at XXXX the same day XX/XX/XXXX from the fraud detection department informing me that there was a wire transfer in the amount of {$16000.00} leaving from my Wells Fargo savings account # XXXX. The representative said that the wire went to a XXXX XXXX XXXX  account belonging to a XXXX XXXX. I do not know this person. I explained that I did not authorize this wire so the representative recalled the wire. The claim number is XXXX. Over the course of the past 2 weeks I have been calling every day for an update as I hadnt received my money back, and there was not an update provided. On a couple of occasions when I called, I was asked to re-tell the story of what occurred. I called today XX/XX/2022 and was notified that my claim had been denied and that there was nothing that they can do. I did not authorize this transaction, I am a victim of fraud and Wells Fargo did nothing about it. I need my money back as this fraudulent activity has put my family in financial distress and Wells Fargo did nothing.
Product: Credit card

I was late. I have XXXX XXXX  and had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I asked for a consolidated statement. BOA gave me one, then two days later I got another late bill. I had no time to pay as they were past due when I PERSONALLY RECEIVED THEM AND BOA TOLD ME THEY WERE NOT RESPONSIBLE FOR USPS. THEY TWISTED THIS COMPLAINT into a nightmare for a sick, XXXX XXXX XXXX widow of XXXX  years now. 
In XXXX I had to change the name from just XXXX XXXX XXXX to XXXX XXXX XXXX. It was because my XXXX XXXX I proved he was dead to all banks, etc. to straighten things out. 
Check before XXXX, please. You WILL see my late husbands name up until XXXX, he XXXX  XX/XX/XXXX. 
I dislike this manner of treatment and it is definitely biased!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has listed negative account on my credit history and that account doesn't belong to me. That inaccurate item ( listed below ) is affecting my credit score and livelihood. Please delete these accounts immediately. 

Here are the erroneous account Transunion has listed : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX This account doesn't belong to me.
Product: Checking or savings account

On XX/XX/2022 I made an online purchase to XXXX for {$1400.00} that was IMMEDIATELY deducted from my account balance with Flagstar Bank via XXXX in order to succesfully place the order. However, I canceled the order a few days later when it was ready for pickup ; but the funds never reflected back to my bank account. Flagstar Bank claimed they didn't even see the transaction because " it dropped off '' when it canceled. And provided me with a manipulated statement with other charges from previous dates to justify my balance. Transactions that had already been cleared and not even within the time frame were reincorporated to justify the missing money in question. Either they or their computers manipulated numbers to make my balance make sense. When i made the purchase and it removed my money and i wasnt able to pay my contractor thats why i canceled. But the money Never returned to my balance after canceling. Flagstar Bank " could not find the transaction in their system ''. XXXX found the transaction, and said it Was refunded to my bank. My bank Flagstar, could not find the transaction at all. They both sent me in circles blaming each other, the bank blaming XXXX, XXXX blaming my bank, yet the money is gone. Disappeared. Flagstar Bank did not credit me the missing amount because " in order to do so, there would have to be a transaction. Which they " could not find. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. I has been well over XXXX days and I haven't received any investigation results.
Product: Credit card or prepaid card

My ex girlfriend used my information open a credit card under my name without my permission. Its when i check my credit report i find out that i have a credit card under my name.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX account is charged off closed account and keep apearing on active acount on XXXX and Experian and trying to collect the debuts and info is not accurated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been trying to resolve late payments that capital one has reported to the 3 credit bureaus on my account. On XX/XX/2023 Capital One granted permission to XXXX to remove my inaccurate late payments from my credit report, which I was very grateful for as Im trying to buy a home for myself and my daughters. I called XXXX and confirmed with an agent that the late payment had been removed and I was told Capital One agreed to remove the late payment. I then called Capital One asking if they could report this to the other two bureaus and was met with attitude from a supervisor on this matter. Today, XX/XX/2023 the late payments showed back up on my XXXX credit report further damaging my score. This has severely effected my plans of buying a home and does not seem appropriate according to the fair credit reporting act. If you could please help me resolve this matter it would be greatly appreciated. Thank you!
Product: Credit reporting or other personal consumer reports

My credit report contains fraudulent items that I never authorized or benefitted from. This misrepresentation is damaging to my character and deeply insulting, and I feel my rights are being disregarded, which is incredibly distressing. Although Ive already reported this to the Federal Trade Commission, the items remain on my report. Its disappointing that the system designed to protect individuals like me has yet to provide a resolution.
Product: Debt collection

I logged onto XXXX XXXX  and realized a fraudulent account was opened in my name with XXXX in the amount of {$1200.00} back in XX/XX/2019. I have no knowledge of this account and also never gave any consent to open this account in my name. I have attempted to send letters requesting this account be deleted and stop reporting it to the credit bureaus.
Product: Money transfer, virtual currency, or money service

i own a XXXX XXXX ( XXXX XXXX XXXX  ), the bank ( Sunlight Financial ) who initiated a loan for a customer ( XXXX ) of mine shorted my company monies ( {$15000.00} ) that we installed a Solar Sytem for. I have called all parties involved with no response. Please advise what would be my next procedures XXXX is XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
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 violates the customer 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 ( efta ) and regulation E. These actions have cause a significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax confirmation # XXXX is reporting the following fraudulent inquiries. 
XXXX. XXXX dated on XXXX XXXX, 2023. 
XXXX. XXXX XXXX  dated on XXXX XXXX, 2023. 
XXXX. XXXX dated on XXXX XXXX, 2023.
Product: Consumer Loan

addition to complaint XXXX. 
I have XXXX viable candidates to take over the truck lease I was left with through my boyfriends death. It was a joint lease. He has passed. leaving me. Again ... XXXX people from XXXX called me but refused to give their last names or ID # or any way for me to designate who I spoke to other than " XXXX '' and " XXXX. '' They still will not provide me with the paper work my boyfriends started to remove me from the lease, they act as if it doesn ' t exist. and if it does n't that 's fine, they should n't tie my hands then by acting like XXXX is the only account holder who can transact anything, because XXXX is deceased. they will not change the address to my new address, even though this was a joint lease. so they are mailing paper work to what they know is a wrong address. they 're looking to me to pay and as their only remaining leasor, but they act as though XXXX ( XXXX ) was the only one on the lease and I have no authority to even update where the bills or correspondence go. further, they want anyone he was related to ( parents children spouses ) to sign on this 'for him. ' It was a joint lease. he is gone. I am the one left. I have someone to take this over, but they 're requiring what I find to be unlawful paperwork. if you have a joint account with someone and one person passes, it is left to the remaining person. I am going to lose this interest buyer and I can not afford this truck on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you're doing well. I am writing to request the removal of hard inquirys from my credit report. Under Section 1681b of the FCRA, it is clearly stated that an inquiry should only be made with the consumer 's consent or a legitimate business need. As I have no recollection of granting consent or having a legitimate business relationship with these inquirys appears to be in violation of the FCRA. The inquirys are # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have no recollection of consenting to these inquirys and believe it was made in error. 

Thank you for your attention to this matter. I appreciate your commitment to maintaining accurate credit reports. Please let me know if any further information is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize my credit report to be used, in this case they used it multiple times without achieving any benefit but my credit history was affected.
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

XXXX XXXX XXXXXXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery continues to pull my credit without my consent. This has been goin on for some time. I will also report them to the Federal Trade Commissioner. Please see attached new inquiry made on my XXXX credit.
Product: Checking or savings account

Bank Of America refuses has unlawfully frozen my account for over a week now as punishment for filing an unauthorized charge claims, refused to let me close it, have access to my funds and as of today I am being told that the account has been officially closed even though ALL claims are still in the process of investigation and all access to my account information and all opportunity to recieve pertinent information regarding my open dispute claims and possibly help in the investigation has been denied. No provisional credits have been applied to be within the XXXX business days. They are not compliant with Reg E, Reg Z, or any type of error resolution process. Upon reading information on the CFPB site this seems to be a CONSISTANT issue with Bank Of America and are constantly unlawfully freezing peoples accounts and violating their consumer protection rights, which is probably why they have been fined by the CFPB for nearly XXXX XXXX dollars recently.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, that do not pertain to me and are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX {$120.00} XXXX XXXX XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} XXXX XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX XXXX XXXX ( XXXX  ) XXXX. XXXX, XXXX {$150.00}
Product: Debt collection

This company reported to my XXXX credit reports this account and after disputing it about a year ago, all XXXX credit reporting agencies deleted the account. On XXXX XXXX 2015, the same collection company started sending me demand letters AGAiN. 

FYI MCM~ I have all my records and if you continue to demand payment on this account that was deleted and was not verified as mine AND/OR Re -Report any credit bureau, I will retain an attorney to Pursue them for financial compensation for the time, inconvenience, defamation and financial injury fro you ( MCM ), deliberate actions. Not to mention, filing a complaint XXXX for illegal and unfair practices.
Product: Credit reporting or other personal consumer reports

Hi i checked my credit report On XX/XX/XXXX. I noticed some unauthorized inquiries on my credit report. 
I currently received my credit reported and located the following seriousproblems of inaccurate reporting. I have sent letters to disputing my creidtreport because I have just accepted that i had bad credit and became a victim ofit. I dont know what went on in my name because soneone hacked my computer. I was not aware that my information had been compromised. 

I dont know what these collection, account are for inaccurate and late charges. I have contacted these collection agencies ( XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) to validate these debts, so therefore I am disputing the validity of these debts. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The status is incorrect for the following account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and identity fraud. After reviewing my credit report I noticed the inquries that I did not authorize. 

XXXX XXXX  XXXX, XXXX Inquiry date : XXXX. XXXX XXXX. XXXX
Product: Money transfer, virtual currency, or money service

Good day, I have encountered some problems regarding on my account being limited on Paypal on this day XX/XX/2021 my account was been permanently limited. 

I'm from the XXXX, I have XXXX in my account which I cant get because they hold my account. 

I have promptly gave the necessary documents. And I have followed all the steps and still PayPal have no respond.