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

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I keep emailing asking for help on mortgage to qualify for state assurance and I cant get anyone to help me and Ive called and emailed countless times since XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the correction of inaccurate information on my credit report. This is my attempt to rectify these errors, which are significantly impacting my creditworthiness. I request that you provide written confirmation of the results of your investigation and the steps taken to correct these inaccuracies. Additionally, please send me an updated copy of my credit report once the corrections have been made. Please help me correct or remove the following accounts : 1. XXXX  XXXX XXXX Balance Owed : {$0.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

2. XXXX XXXX Balance Owed : {$0.00} - I need this account be corrected NOW. 

3. XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

4. XXXX XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

5. XXXX  XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

6. XXXX  XXXX XXXX Balance Owed : {$710.00} - The payment history and status are inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

7. XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

8. XXXX  XXXX XXXX Balance Owed : {$79.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

9. XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the presence of fraudulent items on my credit report that have not been adequately addressed despite multiple attempts to rectify the situation. This ongoing issue has had severe consequences on my financial well-being and is causing undue stress and hardship. I have followed the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ) in disputing these fraudulent items, and I have provided all necessary documentation to support my claims. However, despite my best efforts, these inaccuracies persist on my credit report, which has adversely affected my ability to secure loans, obtain favorable interest rates, and even pursue certain employment opportunities. I kindly request that you conduct a thorough investigation into this matter and promptly remove the fraudulent items from my credit report. Additionally, I urge you to take necessary steps to prevent the reoccurrence of such inaccuracies on my report in the future. I am willing to cooperate fully and provide any additional information required to resolve this issue promptly. I expect a written response from your agency within 30 days of receiving this letter, as required by the FCRA, confirming the removal of the fraudulent items from my credit report. Kindly assist me to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX  XXXX Bankruptcy Date Filed/Reported XXXX XX/XX/XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

PLEASE the attached STATEMENT OF FORGERY WHICH LISTS IN DETAIL THE PREVIOUS FRAUDULENT ACTIVITY REPORTED ON MULTIPLE ACCOUNTS THAT I HOLD WITH NAVY FEDERAL. main amount of money was an internal member to member transfer from my account into another members account who i have never even heard of & do not know. i was told by the XXXX rep that this man 's name was added to my account 3 transfers were made on the same day in the amounts of 1. {$5000.00} 2. {$150.00} 3. {$550.00} a TOTALING XXXX and then was immediately deleting from being attached to my account.!! I HAVE ATTACHED THE COMPLAINT FILED WITH THE FEDERAL TRADE COMMISSION AND WILL BE CONTACTING VISA AS WELL. I WILL CONTINUE TO PURSUE ALL AVENUES AVAILABLE TO ME IN ORDER THAT ALL MONEY ILLEGALLY TAKEN FROM MY ACCOUNT EITHER BY THIEVES OR IN ERR BY THE BANK ( NAVY FEDERAL ) THAT I ENTRUSTED TO SAFEGAURDMY MONEY. IN XXXX OF XXXX, I HAD {$56000.00} IN MY XXXX CHECKING/SAVINGS ACCOUNT AS WELL AS {$3000.00} IN A SECURED NAVY FEDERAL CREDIT CARD IN ORDER THAT I ACHIEVE THE XXXX SCORE NEEDED TO QUALIFY FOR A FIRST TIME HOME BUYERS LOAN. ( I WAS TOLD XXXX, I HAD A XXXX ) AND I WAS LOOKING FORWARD TO WORKING WITH A NAVYFEDERAL MORTGAGE ADVISOR AND HOPING TO BE IN A NEW HOME BY THE BEGINNING OF XXXX. ALTHOUGH I WAS STEADFAST IN THE HANDLING AND REPORTING OF ALL IDENTITY THEFT/FRAUD SCAMS AND FOLLOWED ALL ACCOUNT REQUIREMENTS IN ORDER THAT MY FINANCIAL SITUATION REMAINED IN GOOD STANDING. XXXX OPTED TO SUSPEND MY DEBIT CARD PRIVILEDGES AND REVERSE ALL PROVISIONAL CREDITS PREVIOUSLY PLACED IN MY ACCOUNTS SAYING I WAS IN " VIOLATION OF THE DEBIT CARD AGREEMENT '' BUT NEVER SPECIFYINGHOW OR WHY THIS CONCLUSION HAD BEEN REACHED. THEN BEGAN RACKING IN {$29.00} RETURNED ITEM FEES EVEN THOUGH THE ITEMS WERE NOT PAID AND I HAD OPTED OUT OFI WAS LEFT UNABLE TO PAY MY BILLS AND FINANCIALLY BANKRUPT ( NO JOKE ). I HAVE SINCE FOUND ACCORDING TO THE FAIR CREDIT BILLING ACT, I AM LIABLE FOR NO MORE THAT {$50.00} IF CARD NO LONGER IN MY POSSESSION AND {$0.00} IF STILL IN MY POSSESSION. I AM THE VICTIM OF A HACKING SCAM THAT HAS LEFT ME NEARLY DESTITUTE ... no matter how hard i have tried to keep my head above the water, i am fighting obstacles every step of the way. I DEMAND TO BE MADE WHOLE AGAIN IMMEDIATELY! THIS IS NOT OF MY DOING AND I WANT EVERY BIT OF MY HARD EARNED MONEY BACK!!

ATTACHED:1. STATEMENT OF FORGERY2. 1ST REPORT OF FRAUD TO FTC.GOV 3. 2ND COMPLAINT TO FTC.GOV4. BANK STATEMENT SHOWING TRANSFER TO XXXX XXXX? ( I NEED THIS BACK IMMEDIATELY ) THIS SHOULD BE A VERY STRAIGHTFORWARD AND SIMPLE ITEM TO FIX!! IT WAS ORIGINALLY REPORTED ON XX/XX/XXXX. I WANT THE PROPER REPARATIONS MADE AND NO FURTHER DISRUPTIONS TO MY LIFE AND OR VERY VALUABLE TIME!! ORIGINAL FRAUD REPORTED AT END OF XXXX! I SHOULD NOT HAVE TO FIGHT THIS LONG AND HARD FOR MY OWN MONEY!!!!! 5. EMAIL PERTAINING TO XXXXCHARGE OF {$230.00}. I HAVE BEEN WAITING ON THEIR CREDIT SINCE XX/XX/XXXX & I PREFER THAT NF FIX IT NOW AND COLLECT FROM THEM. THIS SHOULD BE SUFFICIENT EVIDENCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to reply to a pre-approval I received from my bank. When I went to apply for the credit card my banker told me that I was not approved. I pulled my credit and there are things that are not mine. I have contacted the FTC and my local police. I am also doing this on my own behalf. XXXX XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX -XXXX, XXXX XXXX AN ACCOUNT WITH NO NAME ENDING ACCT # XXXX. There are also inquiries that are not mine. XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

As a condition precedent to violating my right to privacy, Inflection Risk Solutions , LLC, ( 'Inflection ' ) a consumer reporting agency per 15 USC 1681a ( f ) was to take proper procedures in ensuring it is reporting accurate information about consumers. As a debt collector per 15 USC 1692a6 in its conduct to conspire with XXXX XXXX XXXX to suspend my consumer account, it failed in its commercial obligation to protect the consumer. Absent a court judgment or without my prior written consent to use my nonpublic, personal property Inflection stole my personal property & used it for what I believe was profit, trade or gain of which I received no benefit nor knew about. By Inflection taking an adverse action against me, it caused me harm that violated my right to privacy, reported that I was a criminal & was the main source of my XXXX account being suspended leaving my family & I stranded for days, being inconvenienced in having to pay out more money to retain a place to live! In violation of 15 USC 1681a2, without first contacting me to verify if information it reported was mine or not, Inflection took the law into its own hands & took an adverse action against me, even though the information it reported was not mine! I do not take this crime lightly! I do not believe a company should be allowed in business causing harm to consumers that is not ethical, moral, legal or lawful! Nowhere in the FCRA or FDCPA is Inflection 's behavior authorized. The matter is not about confirming if a record is accurate or not. The violation occurred when I, a consumer was harmed by a third party debt collector intervening in my " private '' affairs that caused harm to me & my family. Where have I given consent for Infection to use my trademarked information in the 1st place? Can it provide my written consent to the CFPB? This is identity theft and unauthorized use by Inflection. What is Inflection 's claim of permissible purpose as I did not apply for any service, employment, etc., with them? What business is it of Inflection to intervene in my private matters & then profit for reporting misinformation that caused a harm to us? What model did Inflection use to make a legal determination about me? I believe Inflection discriminated against me when it used personal information to report negative and erroneous information it presumed was mine. 

Definitions : It, its, they refers to Inflection
Product: Debt collection

I closed this credit card on XX/XX/XXXX and paid off all the amount. Until XXXX XXXX I saw my credit report has debit collection as {$740.00}. This credit card credit limit is only {$400.00}, how can I owe them such money? I called XXXX  XXXX and they told me account closed on XX/XX/XXXX and they don't know what is going on and also called debit collection company and they refuse give me any detail information only ask me pay off the debit. 
1. If I still owe XXXX  XXXX after card closed they should mailed me final statement or called me to statement I still owe them money. ( My payment history not listed I have bad debit until XX/XX/XXXX I know it! 
2.XXXX  XXXX company should be response me and provide me any details such as statement..
Product: Credit card

XXXX XXXX XXXX XXXX XXXX was temporarily living at my house. He obtained my credit card and assumed my identity while I was at work. He used this card to make a {$9900.00} payment to his business, XXXX XXXX, without my consent. XXXX was at no time an authorized user on this card. I have filed a complaint with both the credit card company and the sheriffs office. Police report is attached as is ( current and ongoing ) credit card company correspondence. 

I had attempted to collect on the financial trespass / fraud directly myself, verbally without contract. After a {$3000.00} payment was made by XXXX XXXX to XXXX XXXX XXXX, he left my home. I have had no further contact with him. There has been zero attempt to reconcile this fraud on his part. 

XXXX XXXX  card issuer ELAN Financial Services sent a letter stating that my fraud claim was denied due to the transaction being made by an authorized user, XXXX XXXX. However, upon being questioned over the phone, ELAN has also stated that no user other than myself has been added to this account at any point. No record exists of there ever having been another authorized user than myself. I started an online cardmemberservices profile on XX/XX/2024 to verify, and indeed there has never been any user authorization on this card other than myself. ELANs fraud department stated that because I know the unauthorized individual, I am responsible for the balance even though they admit I did not make the purchase nor the {$3000.00} payment. 

This was a fraudulent transaction made by XXXX XXXX and I am not responsible for the outstanding balance.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX, XXXX, & Experian to have 2 inaccurate collection accounts removed from my credit report several times. The first request was submitted on XX/XX/year>. I have asked all XXXX of these companies to verify these alleged debts, and I have not received a response, however, my credit profile has been updated to show that the collections meet FCRA guidelines which is false. I have disputed both by mail and online. The online dispute came back verified the same day, in which, the credit bureaus have not even had time to reach out to the collection agency to verify a debt. I have also reached out to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, the 2 companies that are reporting inaccurate information to the above-named credit bureaus and they have yet to supply the information requested and it has been more than 30 days.
Product: Credit reporting or other personal consumer reports

This afternoon, I discovered unauthorized inquiries on my credit report, and I have no idea why they are there. I routinely check my credit report, but this time, there were unexpected discrepancies. I even refreshed my browser multiple times, hoping it was a glitch, but the inquiries remained. I am extremely frustrated and request that the documents Ive provided be reviewed carefully so I can finally stop worrying about this.
Product: Credit card

Vystar Credit Union sent a letter stating that they wanted access to my accounts, in case I fell behind, so that they could pay on my credit card account. They gave the option to reject this authorization, but if I was 60 days past due I could not. It stated that new transaction would not be authorized. 
I had no balance on the card and I was in good standing, and had always been, with Vystar Credit Union. I choose to revoke the authorization, in XX/XX/year>. In XXXX, I got a notice that my credit score had gone down and it showed that the account was closed. When I to a branch, I was told that the account was cloosed immediately. I was not notified that the account was closed nor that it would negatively impact my credit score. 
In XXXX and XXXX, I received an email stating that visa alerts would no longer be available for this same card. " Thank you for using Visa Purchase Alerts. Your financial institution now offers their own transaction alerts service, and your Visa card ending in XXXX is no longer eligible for Visa Purchase Alerts. Please contact your financial institution to enroll in their transaction alerts service. '' If they cancelled the card, why am I getting these emails? 
This was not handled properly and they made no effort to fix it. I should have been properly advised, in fact the account should not have been closed.
Product: Debt collection

I am writing to formally submit a complaint against Spring Oak Capital and XXXX XXXX  for the following reasons : 1. Inaccurate reporting the bank has reported inaccurate information regarding my account to credit reporting agencies this misinformation has adversely affected my credit score and financial standing.

2. Misuse of Federal Reserve loans, I am concerned that Spring Oak Capital and XXXX XXXX  may be abusing loans obtained from the federal Reserve it appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relations to accounts. 
3.Abuse of Insurance Policy, The bank charged me while collecting on the insurance policy that was supposed to insure the alleged loan. This practice appears to be and abuse of the insurance coverage and has resulted in additional financial burden on my part. 
4. Spring Oak Capital and XXXX XXXX  are in violation of the Fair Credit Reporting Act and Privacy Act of 1974 as they continue to furnish information to my consumer Report without providing me a Privacy Notice 12 CFR 1016.4 or my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681 ( B ) - Permissible purpose I am reporting identity theft for all 3 consumer reporting agencies who are reporting late payments on my credit report. For the following accounts. 

XXXX XXXX  XXXX XXXX XXXX XXXX I never provided written consent to consumer reporting agencies to show late payments. This is fraud. All 3 agencies must provide evidence of written consent with my signature and date of submission or delete all late payments from my consumer report immediately.
Product: Payday loan, title loan, or personal loan

I got a call from this company on XX/XX/2018 and a text message on the same date and this company has told me that I will be served with papers and I have tried to tell them that I never received any paperwork in regards to the loan and that I have no phone # to get in touch with them unless they call me. I have received no emails in regards to getting any paperwork from them. They are making threats to garnish my wages and will not send me any paperwork. 
I also believe that this is the company that hacked into my bank account and stole money from both my savings and checking account.
Product: Checking or savings account

I opened a Citi Priority account on XX/XX/XXXX with a targeted mailer for a promotional offer of XXXX XXXX XXXX miles after qualified activities. I completed all activities on XX/XX/XXXX and confirmed with Citi bank on XX/XX/XXXX. Please see attachment. 

Citi indicated I would receive the bonus on XX/XX/XXXX. I contacted Citi again today and they are now saying there was no enrollment for the offer on my account. This happens repeatedly with Citibank and going through their customer service is useless. 

Cfpb is the only way to force Citibank to honor their offer.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this complaint to address ongoing issues with the credit bureaus ( Equifax, XXXX, and XXXX ) regarding fraudulent accounts that remain on my credit report despite multiple disputes and communications. I have repeatedly informed the credit bureaus that these accounts were opened without my knowledge or consent as part of identity theft, which began in XX/XX/XXXX. The accounts in question include : XXXX. XXXX XXXX - {$16000.00} ( Reported XX/XX/XXXX, XXXX : Closed ) XXXX. XXXX XXXX - {$31000.00} ( Reported XX/XX/XXXX, XXXX : Closed ) XXXX XXXX XXXX - {$430.00} ( Reported XX/XX/XXXX, Status : Closed ) To support my disputes, I have attached my FTC Identity Theft Report, which documents the fraudulent nature of these accounts. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to investigate disputes, remove fraudulent accounts, and ensure my credit report reflects accurate information. Despite providing the FTC report and other supporting documents, the credit bureaus have failed to take appropriate action to remove these accounts. 

The presence of these fraudulent accounts is severely impacting my financial stability, creditworthiness, and ability to secure financial resources. I am bearing the burden of unjustly damaged credit due to these inaccuracies, and the inaction of the credit bureaus exacerbates the harm caused by the identity theft.
Product: Debt collection

I got a letter saying I owe XXXX XXXX  but I closed that bank account and there was nothing on it that's what I was told and I fixed what was going on and I get mail from XXXX saying I been billed by buying XXXX  products and I don't have an XXXX I have an XXXX  phone and I don't know why I'm getting billed for anything I closed everything down and saying I accidentally opened an account that I didn't even need at all and they closed it so why am I getting something in the mail that says I owe XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX handed all my data over to an unknown third- party ( hackers ) ... .the want me to enroll in some monitoring service but what safeguards to that being compromised? What I want is access to my CREDIT SCORE 24/7 ... if hackers get it for free I want it for free to ... that info belongs to me and they will still make money selling that info to others -- -but it is me -- -my info ... .I was never asked if I wanted them to collect share or sell it ....