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

I disputed inaccurate and unverifiable derogatory information on my credit report with [ Experian/Equifax/TransUnion ] , following my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. The credit bureau has failed to provide verification of the accounts, including a bona fide contract with my signature, proving my legal obligation to these debts. Under FCRA 15 U.S.C. 1681i, if an item can not be verified within 30 days, it must be deleted immediately. I requested this verification on XX/XX/year>, and Equifax, Experian and Transunion has failed to comply. Additionally, under Uniform Commercial Code ( UCC ) 3-603, if a debt has been transferred, sold, or charged off, it has been satisfied, and continued reporting is unlawful and misleading.These debts have not been verified. I can not access my reports at this time to provide all incorrect information. I am requesting the CFPB to take action and ensure [ Experian/Equifax/TransUnion ] removes the inaccurate, unverifiable, or obsolete negative items from my credit report immediately. 

I am no associated with the name XXXX XXXX. I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This is fraudulent. Remove immediately all addresses except my current address.
Product: Credit card

To Whom May Concern, I'm very frustrated and very stressful at the moment that can't do anything in my own power to let XXXX XXXX  to removed the Hard inquiry the pull on XX/XX/2023. I have report to Identity theft.gov and CFPB now.. 
To make long story short. I went to XXXX XXXX While back to tried to applied for the XXXX XXXX business credit card called " XXXX XXXX  ". before I applied for XXXX XXXX XXXX credit card I SPICIFICALLY told the person that help me open the business credit card that I heard this business credit card does not require a hard pull on personal credit only through a business EIN tax number only. 
I have my ex-husband XXXX applied for me due to my XXXXXXXX XXXX is not great. From beginning to the end of the process we never gave the our social security number! We only gave them my driver license and my birthdate information. To be Honest. XXXX XXXX XXXXXXXX representative don't even know what she doing and even know if we can apply XXXX XXXX credit card in store or not. 
Anyway, the representative is the one who fill out the application for us but couples time she kept asking for my Social Security number to fill in the spot on the application but my husband told her that WE DO NOT WANT TO USE OUR SOCIAL SECURITY NUMBER AND WE JUST WANT TO USE OUR BUSINESS EIN NUMBER INSTEAD!!!!!!!!!! so we figure the representative get our point that we strictly don't want to use our social security number to ran our personal credit. She took a long time to fill out the application and have a lot a error along the way. The representative didn't even read any of the term and conditions at all like normally you will hear your term and condition after you submit any credit or loan application. After submitted the application it said still pending and will review for 5-7 business day which I think is normal. 
We received the notification that there a hard pull from XXXX Experian XXXX XX/XX/2023. At first I didn't even know which company that hard pull us when we didn't even apply for any credit cards or loan using our personal information recently. Then we found out is from XXXX XXXX XXXX  XXXX I tried to contact XXXX XXXX and ask them what going on and they point finger at XXXX XXXX  is the one who pull my credit. So I contact XXXX XXXX  but nothing is resolves. This is a unauthorize credit pull and Fraud activity that need to take off my account ASAP!!! Sorry, I'm really upsetting right now because of this hard inquiry I have stop the process of refinancing my home and it can causing my whole family to live out on the street soon if this problem is not fix ASAP.

According 15 U.S.C 1681 section 602 A. 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.. I have evidence to prove my case.
Product: Vehicle loan or lease

I am an XXXX XXXX XXXX and at the time of the two isolated incidents, was stationed at XXXX XXXX in South Carolina. On two different occasions, Ally Financial violated my SCRA rights and attempted to repossess my vehicle. The first incident a tow truck was sent out without any knowledge on my end. I was never served with a court date as required by SCRA. Ally financial was aware of my financial situation changing due to me separating from my then spouse and they were also aware of my XXXX status. These two violations of my SCRA caused unnecessary stress and hardship on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payday loan from Speedy Cash showed up on my credit report. I never applied or received a payday loan. Called speedy cash and they said I had to do this or make a police report to dispute it. I also disputed on my credit report
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish These accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX credit card was use I try many times to file a dispute with my bank and my claim got denied. I have filed police report XXXX and I was not aware of the charges made on my XXXX credit card and I did not authorize the purchase on my account. I also have 8 hard inquiries that Im unaware of as well and I have no knowledge of the information use to untainted credit use of my personal information. I am requesting that all 8 hard inquiries be removed from my credit report for all 3 credit bureaus XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I sent disputes to TransUnion, XXXX, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability again
st the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to notify you that I am a victim of a data breach and to formally request that you block and delete the following fraudulent account and unauthorized inquiries from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Account : XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Unauthorized Inquiries : XXXX. XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX account for dental work that was paid in full and as agreed. The online system for XXXX XXXX did not accept a bank account with a leading XXXX. The was subsequently fixed by XXXX XXXX. I made payments as agreed and XXXX XXXX fixed the final payment with my bank account having a leading XXXX. Now months later both XXXX XXXX and Experian are reporting negative information when my account was pad in full as agreed and has a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, and i'm not sure how my credit keeps getting compromised however i need this off of my credit IMMEDIATELY!!! I have already filed a police report an a FTC report for this Incident and I've also filed a report with the 3 credit bureaus ( XXXX, XXXX, and also XXXX ) for this account. 

( Capital One ) ( Account # XXXX ) ( opened on XX/XX/2023 ) According to the FRA 605B of congress you'll have to comply with these Regulations of having this collection account closed and removed, and if not, I will be taking ( Capital One ) and also ( The three Credit Bureaus ) to court seeking punitive damages of {$1000.00} per occurrence. 
Thank You and I look forward to an instant resolution to this matter.
Product: Money transfer, virtual currency, or money service

My Coinbase was hacked and Hacker sells and withdraws money to an unknown XXXX account.. I made many ways to contact and made many cases but it very hard to wait, and has no responding other then ROBO replays. The hacker made unauthorized transfers were almost {$15000.00}. Hacker linked new XXXX accounts and sold all of my BTC and Ether with in minutes to USD, then transfer with in sec to unautorized XXXX. I contacted XXXX directly since Coinbase has no Live support, but XXXX can not do any actions, the case must contacted by Coinbase service,,. These are my Unauthorized items : 1 ). On XX/XX/2021 at XXXX PST, you initiated a withdrawal of {$1700.00} from your USD Wallet. {$1700.00} will arrive in your XXXX account by XX/XX/2021. Withdrawal reference : XXXX 2. ) On XX/XX/2021 at XXXX PST, you initiated a withdrawal of {$2500.00} from your USD Wallet. {$2500.00} will arrive in your XXXX account by XX/XX/2021. Withdrawal reference : XXXX 3 ). On XX/XX/2021 at XXXX PST, you initiated a withdrawal of {$2500.00} from your XXXX XXXX. {$2500.00} will arrive in your XXXX account by XX/XX/2021. Withdrawal reference : XXXX 4 ). On XX/XX/2021 at XXXX PST, you initiated a withdrawal of {$2500.00} from your USD Wallet. {$2500.00} will arrive in your XXXX account by XX/XX/2021. Withdrawal reference : XXXX 5 ). On XX/XX/2021 at XXXX PST, you initiated a withdrawal of {$2500.00} from your USD Wallet. {$2500.00} will arrive in your XXXX account by XX/XX/2021. Withdrawal reference : XXXX 6 ). On XX/XX/2021 at XXXX PST, you initiated a withdrawal of {$2500.00} from your USD Wallet. {$2500.00} will arrive in your XXXX account by XX/XX/2021. Withdrawal reference : Unknown. Lost confirmation email. 


I do not know how many funs will be lost more since now my Coinbase is lock out by reporting unauthorized. The Coinbase has security flows on Compromised unauthorized transfer to XXXX.
Product: Debt collection

We received a letter addressed to my husband XXXX XXXX XXXX letter says XXXX XXXX XXXX XXXX, stating we owe a debt to capital one bank. We do not have an account with Capital one. The letter gave us a huge fright and now, believing it is not our debt, we want to ensure others do not get caught by this scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I got a free 7 day trial from Experian. it is currently the last day of the free trial and I have literally tried to cancel my account for the past 4 days. It is definitely a scam without a doubt. I tried online with no luck, I called the company over 50 times and they purposely hang up on you when you click the cancel membership option. I cant even believe they are allowed to fish people like this.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

ACH payments scheduled for XX/XX/23 were delayed. I contacted Chase on or around XX/XX/23 to inquire on the status of my deposit and was told they were working on processing ACH payments but did not know when the funds would become available. I explained that I would receive a late fee from my landlord due to NSF and was asked to visit a branch to request reimbursement if a fee was assessed due to the delays. Additionally, they noted I would not incur any fees by Chase. The funds posted to my account on XX/XX/23. 

On XX/XX/23 my landlord issued a {$25.00} NSF fee and a {$50.00} late fee on XX/XX/23. 

On XX/XX/23 I visited a branch in person at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I spoke with the teller, providing a copy of my tenant ledger, I requested a reimbursement for the late fee assessed by my landlord. She instructed me to contact the claims department via telephone and said they are unable to process my request in branch. 

On XX/XX/23 I contacted customer service via telephone at XXXX and was transferred to the claims department. After speaking with the representative, it was made clear to me that they would not provide reimbursement or credit for the fee because the fee did not originate from Chase despite me explaining the situation and the cost being a direct result of delays related to the ACH deposit mishap in XXXX.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I ordered cabinets at XXXX 's XXXX XXXX in XXXX, NJ. XXXX XXXX, the kitchen representative at the XXXX XXXX XXXX told me about a promotion that XXXX XXXX was offering for 18 months interest free financing. I applied for the financing and was approved. He then told me that the bill may say that the interest free period is only for 6 months but he would be able to obtain an extension. He then called XXXX at the XXXX XXXX XXXX XXXX at XXXX PM on XXXX XXXX, XXXX and was told that by the XXXX bill the extension would go from 6 months to 18 months. 
Apparently the extension was never processed properly and my interest free period expires today, XXXX XXXX, XXXX. I contacted customer service as well as the " Executive Customer Service '' team at XXXX XXXX several times over the past 6 months. They responded by saying " Our office can not authorize this. '' I will now be charged interest from XXXX XXXX, XXXX to the present. Unfortunately I can not afford to pay off the balance and this additional interest is an enormous financial hardship for me. Especially one month before XXXX. And to add insult to the situation my kitchen project is still not complete. 
Please do not trust XXXX XXXX for any financing or XXXX XXXX needs.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the XXXX and TransUnion credit bureaus. I believe that this account has not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Shortly after opening an account online with Charles Schwab I began having issues logging into my online banking. I received an error message which stated that I needed to go in-person to a branch location and present a valid photo ID in order to verify my identity. A few days later I proceeded to appear in-person at a Schwab branch with my valid drivers license, which was noted in my account by the branch representative that I dealt with. My account access was briefly restored that same day but within 24 hours I began having trouble logging into my account again. Since then Ive contacted Schwab Customer Support by phone on numerous occasions and each time have been told that my case is being reviewed by the fraud department however I still havent heard anything despite it now being over a week since I first presented my valid drivers license in-person. Also during this time when speaking with customer support I was assured that even though my online banking access was restricted, that Id still be able to access the funds in my account when I receive and activate my debit card in the mail. I activated my debit card a few days ago fully expecting to be able to use the card to access the funds in my account but I have been unable to do so despite the reassurances given to me to the contrary by Schwab Support Representatives.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with Equifax, XXXX and XXXX, I immediately noticed unauthorized inquiries and credit accounts on my report. 
I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate request for an update to remove all unverified and unauthorized inquiries and accounts from my credit report and ensure that your systems maintain the correct information. 

Please see all included documentation that lists my current and updated address, that I have lived for the past 15 years. Please remove any other address your system may have found. 



Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXX XXXX - XXXX XXXX Acct # : XXXX - {$790.00} XXXX XXXX XXXX XXXX  Acct # : XXXX - {$0.00} XXXX XXXXXXXX XXXX  XXXX Acct XXXX XXXX XXXX - {$330.00} XXXX XXXX XXXX Acct XXXX : XXXX - {$1200.00} XXXX XXXX XXXX XXXX  Acct # : XXXX - {$300.00} XXXX XXXX Acct # : XXXX - {$0.00} XXXX XXXX Acct # XXXX XXXX - {$650.00} XXXX XXXX Acct # XXXX XXXX - {$0.00} XXXX Acct # : XXXX - {$1400.00} XXXX XXXX  XXXX Acct # : XXXX - {$620.00} Unauthorized Credit Inquiries to be Removed IMMEDIATELY : XXXX XXXX XXXX  XXXX XX/XX/XXXX Unauthorized Addresses to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the inaccurate information has been removed, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Product: Credit card

The issue was false advertising and " switch and bait '' practice. The company did n't address this issue in either of their responses. According to Press Release, there was no restriction to XXXX cashback earnings. A few weeks later, the terms and conditions added more restrictions and put the burden on consumers to provide receipts. This is not acceptable. I personally incurred financial losses for buying an XXXX and applying for a new Discover card. I needed the cashback promised to be added to my account.
Product: Credit card or prepaid card

Purchased kitchen remodel with home depot XX/XX/XXXX. Promised this would take 1 week by salesman who was also a branch manager XXXX XXXX, and the scheduler when job was scheduled in XX/XX/XXXX. 
Required payment in full and we used their HD card w/24 mos no interest offer. Itemization of charges was requested but not given. Cost {$29000.00}. Job began XX/XX/XXXX. Extremely poor coordination of sub contractors resulting in 8 additional days of missed work for a total of 13 days missed work. Plus 2 days of unneeded kennel care when no workers showed up. This job is incomplete. The kitchen is missing 2 finish molding pieces and a touch up kit so the nails and seams show. The back splash was initiated XXXX XXXX and still is not complete. We have left numerous messages ( 10 or more ) w/office for manager or someone to call and help us and have no response begining in XXXX. We also filled out email survey listing complaints and no response. The tiler has been to our home 3 days disrupting our lives and NOT completing the job. There were 2 additional days he no showed for appointment. This is a small galley kitchen that has been in process for apx 20 weeks for kitchen reface/countertops/backsplash. Zero response from Home Depot to resolve this matter.