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

The following accounts/inquiries are fraud. They are in violation of USC 1681b. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX ; INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous request & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Bank account with Bank of America about 2 years ago, shortly after opening this account I was the victim of theft of my iphone, " phone case wallet '' ( containing my cards ) and my identification cards. I fell ill a few months after the robbery, and was hospitalized when Bank of America called me about my account. I received the messages after I left the hospital and returned their calls to find out my account was closed. Considering how little I used the account I let it be. I tried to open a XXXX XXXX account last year only to be denied due to a negative report from XXXX on my consumer report. I followed all of the directions given to me by both Bank of America and XXXX. I sent in a police report of the theft of my personal items which was the cause fraudulent activity on my account to both Bank of America by mail and to XXXX by Dispute. I have made at least 4 disputes to XXXX and I sent a XXXX dollar bill in the mail I sent to Bank of America with the police report they specifically requested for the removal of my name from XXXX. I called the risk department 2 months after mailing in to BOA and they claimed they never received my report and money. XXXX has also failed to send the information to BOA as promised and have simply denied my disputes. I am a student and this report is destroying my credit and life, which is unfair because I am the victim of fraud. I really need this issue resolved as soon as possible. It has been an active dispute situation for about six months with no progression on any end.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters 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 complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXXXXXX Rec Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXXi Account # XXXX, XXXX Loan 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 an account without my written instructions
Product: Credit reporting

I have sent 2 letters to Experian to verify the information that is placed on my credit. I have sent letters out to those negative reporting companies and I have n't heard anything back. One dispute was received by Experian on XX/XX/2017 regarding inaccurate reporting inquiries and unverified negative accounts. I received a response by mail on XX/XX/2017. I keep receiving the response that it was verified but they fail to show me any proof that it was in fact verified by the person they had a conversation. I do n't think that time was taken to investigate the inquires I requested along with the negative reporting information. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MT NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account 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 XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

I am writing to request the removal of bankruptcy reporting from my credit reports. According to the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 2 ) ( B ), it is required that credit bureaus verify the full social security numbers and dates of birth from the courts before reporting public information such as bankruptcies, evictions and/or criminal histories. However, the Privacy Act of 1974 and the Federal Rules of Civil Procedure 5.2 prohibit the courts from reporting the full social security numbers and dates of birth on all publicly available court records. 
As a result, any bankruptcy reported is unverifiable and in violation of both federal and state law as stated above. I believe this violates my rights under the FCRA and could subject the credit bureau to a class action lawsuit should a similar situated class decide to pursue such action. Therefore, I am requesting that any bankruptcy reporting be removed from my credit reports immediately. 
I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the bankruptcy reporting from my credit reports.
Product: Credit card

I have not supply proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exist. 
This debt collector has not provided me proper debt validation for this average debt. 
The List of accounts below has violated my federaly fipteispute suastiner rights to prifarcy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 a thout my written instruct 15 U.S. concur.

consume items of in information action States : no ency may make any XXXX staining any of the following Any other adverse item of XXXX rt by more a consumer to any consumer reporting agency it the pers
Product: Vehicle loan or lease

I've had my car with US autos for 5 years. The car loan originally was XXXX. How after 5 years I still owe {$10000.00}. I believe US autos was not taking my money and put it in it towards my car. I don't know what they were doing with my money.
Product: Credit reporting or other personal consumer reports

I filed a complaint with Experian regarding XXXX XXXX XXXX reporting a delinquent account for which I had no written signed contract agreement and failed to provide proof. Experian deemed the Debt Collection Agency as verified, which negatively impacted my credit standing.
Product: Mortgage

To whom it may concern, According to Selene Finance my loan transferred from XXXX  XXXX XXXX 10 years ago and today date ; this company has never sent me a Mortgage statement until today XX/XX/XXXX with the statement payment due is {$1800.00} due on XX/XX/XXXX,. I made this request at least 1 year ago requesting previous mortgage statements and was never sent to me after being told I must put my request in writing and allow them 30 days to respond. In addition, My real estate Taxes for XXXX are Delinquent. I am in the process of refinance a Mortgage with a cash through the XXXX XXXX XXXX XXXX and after bringing my loan current by making a double payment in the amount of {$900.00}. All of a sudden the current status of my payments changed and I was told XX/XX/XXXX that now I owed {$900.00} and as usual the day before I was not able to use their automated payment system on the phone system. I had to speak with a representative to pay my bill that was seldom allowable to me. A year ago I could not close on a refinance loan with XXXX XXXX because of them not having issued me any mortgage statement, I had to request a payment history from Selene finance which was provided to XXXX XXXX making my paying appear as if I only payed 6 months out of 2 years, which caused me to be denied approval for my refinance and cash out, to make home improvements, etc. Furthermore, they are trying to cause this loan to be denied as well. IT was less than 5 days ago, my payment due was {$530.00} for the month of XXXX until speaking with Selene 's Customer Service ( Loss Mitigation Department ) on XX/XX/XXXX, Now I was due to pay, now within two days I owe a payment due for XX/XX/XXXX {$1800.00}. I paid {$530.00} after the representative I spoke with said, " I can put the difference on the back end of my loan ''. XX/XX/XXXX. I have a tentative approval again with a XXXX score of XXXX now awaiting the paperwork from Selene Finance and now all of this confusion and no prior knowledge of this information!!! 
Please assist me in resolving this problem affecting my ability to leave this company!
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I'm filing a complaint against Capital One regarding their deceptive practices related to the 360 " high yield interest '' savings accounts. Capital One has misrepresented the 360 Savings account as having one of the nations highest interest rates while failing to inform account holders about the superior rates available with the 360 Performance Savings account. This lack of transparency and deliberate obscurity have violated consumer trust and caused significant financial losses for many individuals, breaching the Consumer Financial Protection Act and the Truth in Savings Act.

I am seeking redress for these misleading practices and failing to properly deliver on their promise regarding the 360 " high yield interest '' savings accounts.

.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THIS CHILD SUPPORT, JUDGMENT ACCOUNT IMMEDIATELY : Account Name : Dept. of XXXX OREGON CHILDSUPPORT Account Number : : # XXXX Account # XXXX Account : : # XXXX Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. '' As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. 
All Credit Reports for collection of delinquent child support judgements, fines and liens may no longer be permitted. 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. Please provide the following As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : 1. A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. I am not seeking to verify the information from dept of justice division of child support. I want these Items deleted according to there on letter see attachment. also according to case which was also written BY TRANSUNION. 
XXXX XXXX XXXX XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair credit reporting act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as Late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a current paid subscriber of the paid Equifax Credit Watch Gold service. As a paid subscriber I am entitled to receive a new, updated copy of my current credit report daily. 
I have continued to subscribe to this service as I am one of the approximately 182,000 individuals that Equifax has confirmed and notified that had documentation with personally identifiable information compromised in the security breach disclosed in XX/XX/XXXX. 

The last successful report I was able to generate was on XX/XX/XXXX. 
On XX/XX/XXXX multiple attempts to generate a report all failed, reporting an Eval code Status code FL, Reason code NH. 
On XX/XX/XXXX multiple attempts to generate a report all failed. As per the instructions with the failure I attempted to contact Equifax Customer Care at XXXX.

During this call I was transferred around and spoke with 4 different individuals, who were all courteous but who made varying attempts to assist.

During a subsequent logout of my account and login, I noticed that the " Average Equifax Credit Score for your zip code '' line showed an incorrect zip code, not my correct current zip code. 
The 4th individual I spoke to concluded by telling me to call Global Customer Care at XXXX due to having multiple addresses on my file.

The 5th individual I spoke to apparently made a change that would ostensibly fix the problem. 
I could not generate a report on the XXXX. I could also not generate reports on XX/XX/XXXX or XX/XX/XXXX. 
When calling Customer Care on XX/XX/XXXX the representative told me that I needed to contact XXXX again. 
I have attached a copy of the page that under " Latest Credit Score '' shows " Average Equifax Credit Score for your zip code, <redacted>, is <redacted>. " This is not my correct zip code. 
I also attached a copy of the output from XXXX XXXX reporting the report generation failure, the error codes generated, and the phone number to contact Equifax Customer Care.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I opened a trading account with eToro. I opened the account with {$3400.00} directly from my bank account. Trading was allowed immediately upon the opening of the account. XX/XX/XXXX they contacted me with an email that stated that the method used to fund the account was registered under a different name. I assure you it was not. I funded my eToro account with my bank account. Within a week the account activity was limited resulting in a frozen account. All documentation ( Identification, proof of address, proof of payment method ownership, etc. ) that has been requested by eToro has been supplied to eToro under threat of limiting the account. Upon supplying the documentation, the account has been limited anyway. No money is allowed in and no money is allowed out of my eToro account. eToro will not respond to any emails, support tickets or phone calls. They have my money and the account still shows a value of {$3700.00} and they will not allow any action within the eToro account. My account is " Verified '' but " Limited. '' They will not respond to any inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my credit report : XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX