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

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Account Name : DSNB MACYS Account Number : XXXX Date Opened : XX/XX/2013 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Product: Payday loan, title loan, or personal loan

Was pre-approved for opertune for personal loan but I was denied credit on XXXX XXXX 2021
Product: Money transfer, virtual currency, or money service

my complaint is about cash app. i have used the app for years and i have my external bank account linked. for several months i was a able to transfer money from the app to my external bank account, until suddenly cash app didnt allow it and gave me and error. i contacted cash app support and they did not help at all. they had no reasoning for not allowing me to transfer. i had no issues with my bank account. after the fail of cash app support, i tried to access live support but instead was greeted by a fake assistant which also did not help at all. this inconvenience lead to my external bank account being closed because i was not able to transfer money.
Product: Credit reporting or other personal consumer reports

I have requested that Experian/Experian Information Solutions and XXXX XXXX ( the data furnishers for Experian ) verify that the XXXX  XXXX Bankruptcy ( case number XXXX ) information was accurate. Experian stated that they have verified that the information was accurate. However XXXX XXXX ( the data furnishers for Experian ) states that they were unable to verify the accuracy of the XXXX XXXX Bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and therefore deleted the ( XXXX  XXXX Bankruptcy case number XXXX ) from their ( XXXX ) Identification Records SEE ATTACHED LETTER FROM XXXX from XXXX stating that their were unable to verify the accuracy of the XXXX  XXXX Bankruptcy ( case number XXXX ) and thus deleted it from their ( XXXX ) Identification Records.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX XXXX XXXX
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. 

Experian Name of Account Account Number XXXX XXXX  XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Student loan

I filled out all the info online to make the XXXX XXXX, 2022 deadline for XXXX and sent it into MOHELA via registered mail with plenty of time ( almost XXXX weeks ) to spare. I never got any response at all. 

My loans were not transferred over and I was not able to begin the forgiveness process. Right now, despite making 10 years of what SHOULD HAVE BEEN qualifying payments, it says I have XXXX qualifying payments and I still owe almost as much as when I started. The XXXX government made me a promise and I held up my end of the bargain. It is outrageous that the program has been mismanaged so badly that we are left holding the bag.
Product: Credit reporting or other personal consumer reports

Inquiries : XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year> XXXX  Inquiry Date : XX/XX/year> XXXX XXXX  Inquiry Date : XX/XX/year> XXXX XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year> XXXX XXXX  Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year>XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year>XXXX XXXX
Product: Debt collection

I had a bank account with XXXX XXXX XXXX XXXX XXXX, and I was overdrawn they contacted me to make arrangements on the account, which I did they closed the account and advised me that they were going to convert the deposit account balance to a loan balance so they could send it to a collection agency. The balance on this account is for fees only for having the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are reporting delinquent balances that have been paid. 
Original Creditor XXXX XXXX XXXX  ; {$660.00} paid XX/XX/2020 Original Creditor XXXX  XXXX ; {$160.00} paid XX/XX/2020 Credit reporting agencies are reporting collections that don't belong to me. 
Original Creditor 11 XXXX ; {$440.00}, not my account. 
XXXX XXXX XXXX Alabama XXXX XXXX ; {$380.00}, not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act the list of inquiries have violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy.15 U.S.C 1681 section 2 604 A states a consumer reporting agency can not furnish a account with out written consent Inquires, also code 15 USC 6802 ( B ) has been violated .XXXX XXXX XXXX XXXX XXXX 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

My credit report needs to be accurate and complete, so please follow these standards to ensure that you are meeting deadlines and maintaining accuracy. The information in my profile is wrong and it needs to be fixed immediately. Thank you for taking action to resolve this.

I am citing the Fair Credit Reporting Act ( FCRA ) section 611 as well as Metro 2 compliance standards in doing so. Any inaccuracies or deficiencies in the reporting must be corrected immediately.

Below is a summary of the data in which I am challenging if all reporting history is 100 % accurate and complies with federal and state laws.

Account Name, number, account type, details, bureaus codes, monthly payments, date open, balance, no of months, high credit, credit limit, past due amounts, last reported, comments, last account activity, date of last payment from all XXXX reporting agencies on these accounts listed. 

Please fully comply to these accounts send me actual proof in writhing that each account listed is follow all regulations and complies with all applicable laws if not please remove all data reporting. 

XXXXXXXX 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 filing this complaint against Equifax to provide additional information and to clarify what my other pending complaint seeks. I have one complaint with the CFPB pending against Equifax. The complaint number is XXXX. This complaint was submitted on XX/XX/2023. I have attached the pending complaint, along with the information I submitted with it. I am unable to edit that complaint. My pending complaint is very simple. It states : I file this complaint to request that an extended fraud alert be placed on my credit reports for seven years. I have attached a report that I filed with the Federal Trade Commission, along with a report that I filed with the FBI Internet Crimes Complaint Center ( IC3 ). I am the victim of identity theft. All I sought from Equifax was an extended seven-year fraud alert. I recognize that there is currently an initial fraud alert and a security freeze on my Equifax credit report. I wish for these security precautions to remain on my report. I have received correspondence from Equifax indicating that it was unable to verify my identity. To rectify this perceived deficiency in my pending complaint, I have attached my drivers license, my birth certificate, my social security card, and a recent phone bill. Despite its claim that it was unable to verify my identity, Equifax is currently disputing many valid open and closed accounts from XXXX XXXX XXXX and XXXX XXXX on my Equifax credit report. Documentation is attached. There is nothing fraudulent on my Equifax credit report at this time. Nothing contained in the documentation that I submitted with my pending XX/XX/2023, complaint indicates there is anything fraudulent on my Equifax credit report. Equifax has grossly misinterpreted the documentation I submitted. No fraudulent inquiry or account appears on my Equifax credit report. I dispute NOTHING on my Equifax credit report. XXXX XXXX and XXXX XXXX have done nothing wrong. In fact, XXXX XXXXXXXX and XXXX XXXX alerted me to the fact that fraudulent hard inquires were placed on my XXXX and XXXX credit reports on XX/XX/2023, as a result of a fraudulent credit card application to XXXX XXXX XXXX  The fraudulent application was denied by XXXX XXXX XXXX No account was opened. The fraudulent inquiries on my XXXX and XXXX credit reports have been removed. Again, there is currently NOTHING fraudulent on my Equifax credit report. All I wanted was for Equifax to place an extended seven year fraud alert on my Equifax credit file as a precaution. There is NOTHING to dispute on my Equifax credit report. I tried to keep things simple in my XX/XX/2023, complaint, but apparently that was a mistake. Please cease and desist all ongoing disputes involving XXXX XXXX and XXXX XXXX XXXX XXXX! The accounts in dispute ARE NOT to be removed from my Equifax credit report. I NEVER authorized Equifax to dispute anything on my Equifax credit report. Stop this forthwith!
Product: Credit reporting or other personal consumer reports

I HAVE THIS INCORRECT INFORMATION THAT I DON'T WANT, YOU CAN REVIEW AND REMOVE THIS FROM MY REPORT I DON'T WANT IT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax collected personal information on me such as my social security number and credit information in an unsafe way, and now it has been determined that due to a massive hack, criminals have access to my information. I also never authorized Equifax, or any other credit reporting agency, to collect or distribute any information about me at any time.
Product: Consumer Loan

The story began when the guy a the XXXX dealership in XXXX sold me an extended warranty agreement without discussing any details for a much higher amount than prevalent in the market. This I found out the day after I was practically tricked into buying the warrant. I mean tricked because they did not even inform me that for the first 90 days and XXXX miles of the car are already covered. Now they are giving me credit but without adjusting the sales tax of {$160.00} and although Ally ( Financial Group of XXXX XXXX has sent me the revised repayment document, when the bank that I work with ( XXXX ) approached them for refinancing, they are claiming that their records will not be updated until another 10 days. This is also the date when my first installment is due. I believe the are planning to either charge me penalty for nonpayment or induce me to stay with them for the loan. The whole deal was crooked with the XXXX salesman promising to reimburse me for a second key if they could not find the duplicate and then later backing out saying they did not make enough money on the deal. They should have thought of that when they made the promise. 

I strongly request an urgent review of this matter so that I can proceed with my refinancing and not be liable for any penalty or other charges by Ally. 

I also request a review of the sales collection and refund procedures of Ally so that other innocent customers who do not fully understand these matters are not cheated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

5TH COMPLAINT ABOUT INACCURATE ACCOUNTS LISTED ON MY CREDIT REPORT
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my daughter and I were involved in an apartment scam in XXXX XXXX, NJ, where we lost {$1100.00} from PNC Bank and another {$1100.00} from XXXX  XXXX XXXX via XXXX payment to the supposed landlord of XXXX XXXX XXXX, XXXX XXXX, NJ. We found out later that evening that " XXXX XXXX '' did not own the house and had no authority to even show the apartment to rent it. I contacted my bank PNC and they told me they would investigate but when the investigation was complete, they told me that they would not replace the funds. As for my daughter, XXXX  XXXX XXXX also told her that she could not get the money refunded but told her we would need a subpoena to learn anything additional about the case. I reported it to the XXXX XXXX Police, Report # XXXX, I was told to send a detailed email to include all of the facts and any additional documents or information that I had, which I did send a very detailed email to XXXX XXXX. However, each time I called to check up on the case, I was told that another detective was handling my case and that someone would call me back. I informed them about the subpoena and the last detective I spoke with told me " Well that's what we'll have to do, get a subpoena. Again no one from the PD has EVER called me, and I have not called since early XXXX, because I was so DISGUSTED with the situation and thought there was nothing I could do until searching for something and I found this website.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

I already paid in settlement my original creditor XXXX, Nevada XXXX. but my credit report in Experian shows account is still in collection as of XXXX 2015.
Product: Credit card

I've consistently made payments on time for this account, and it's causing me XXXX XXXX to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situatio
Product: Credit reporting

I requested copies of any documents in their files from national account system. After filing a dispute with the bureaus I received a letter saying they verified the debt and updated my file. I then send a letter asking for them to send any documents in their files that They used to verify the accuracy of the account I 'm dispute according to the law. I have that right to request. I also demanded that the account be properly verified or removed. They never verified or send the requested information that I send certified with their signature. So I send a letter to credit bureaus and the original creditors XXXX send a document of last activity XX/XX/XXXX-XX/XX/XXXX. They re aged my account and is still reporting.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the XXXX ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a the predetermined cycle of client losses to gains. 
Money was transferred from my account via wire, and through an intermediary named XXXX in the total amount of XXXX USD
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a personal loan with XXXX XXXX for {$3200.00}, as of XXXX XXXX, 2020, my credit report showed a new balance of {$340000.00}!!!! XXXX XXXX XXXX, XXXX XXXX and XXXX DOLLARS. the Representative I spoke with at XXXX XXXX on XXXX XXXX, 2020 advised there was a computer glitch and XXXX XXXX caught the glitch that disseminated erroneous balance information to the credit bureaus and within 48 hours my credit report should reflect the correct loan amount. 

My credit has already taken a hit and I am puzzled as to how a glitch can make a {$300000.00} error!!! PLEASE Help me. 

XXXX XXXX did not email me, did not have any messages on their website nor any social media messages. I found out about the error by checking my Transunion Credit Report on my own accord.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX bank XXXX, XXXX XXXX bank XXXX XXXX XXXX XXXX, XXXX  XXXX bank, 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: Checking or savings account

On XX/XX/XXXX, Citibank subtracted from my account {$2500.00}. The entry on by Citibank statement stated : " Return of Unpaid Deposited Check. '' I complained to Citibank that I did not have any {$2500.00} credit for check deposited into my account so how can this mysterious check be returned as " unpaid. '' Citibank provided me with a copy of an {$2500.00} check # XXXX dated XX/XX/XXXX drawn on an account of someone by the name " XXXX XXXX XXXX XXXX. '' The main point is that said check # XXXX does NOT appear as " deposited '' nor is there a {$2500.00} credit into my Citibank account at any time prior to XX/XX/XXXX. 

Since there was never a " credit '' of {$2500.00} into my account, the {$2500.00} subtracted on XX/XX/XXXX was my money alone and not Citibank 's money. 

Citibank continues to focus on some mysterious bounced check # XXXX, which check # XXXX may in fact have bounced in someone else 's account. However, since this check was never deposited into my bank account, how can Citibank remove my money to cover this check. 

My pleas to return my own money to me have been denied by Citibank
Product: Credit card or prepaid card

I was given a " XXXX XXXX Debit gift card '' as a XXXX gift in XX/XX/XXXX. I did not try to use the card until recently in the first week of XX/XX/XXXX. I went online to register the gift card online as instructed on the back of the card. I discovered that fraudulent charges were applied to my card, which was surprising because the card had been in my possession the whole time. 
I immediately called customer service ( XXXX XXXX XXXX XXXX XXXX ) to inform the company and file a dispute in order to get the funds returned to my card. However, each time I called the company I was given different information as to what I needed to fax over and each time I faxed documents over I was told that those faxes had not been received and I needed to fax additional documents. ( See Attachments ) After the third call to them I was told that my account was closed because I did n't call within the 120 days from the first fraudulent charge. However, there was nothing in the advertisement that stated this but in order to get some consideration I must send another fax requesting the Letter of Consideration. In the end, I am constantly given the run around, always with different and various instructions. It is as if they were hoping that I will finally give up from frustrations of consistently getting the " run around.
Product: Mortgage

My XXXX lien holder gave me a short sale approval on XXXX XXXX, 2015 and to this date The XXXX lien holder, Wells Fargo Home Equity has seemingly because of their written off status been delaying providing their short sale approval to the detriment of my approved short sale status. The XXXX lien holder has given us XXXX short sale extensions and I am afraid they will now resume their Foreclosure as they do not believe Wells Fargo will ever provide an approval. 
Wells Fargo also, even after numerous communication with their customer service department, has been incorrectly sending my private banking correspondence to a Texas address and changed my number to a Texas number in their system so I do n't receive any notices. 
This is so unfair considering my primary lien holder advised me to do a short sale and already granted me short sale approval and now that this XXXX lien holder has stalled the closing I am about to lose even my relocation funds and my home.