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

I XXXX XXXX I am a victim of Identity theft for quiet sometime. I got a report and I saw some unusual activities in my account. 

a. Someone tried to use a credit card online in the middle of the night about few months ago. 

b. Today I received a notification showing that someone trying to open another account at XXXX XXXX 

c. Most of the Inquiries reflected on my credit report were not done by me. 

I found out all of the three credit bureaus were hack by hackers and therefore i believe am one of  these victim of Identity Theft. 

I believe someone got access of my personal information without my consent. Please advise what you recommend to do in my situation. 

For now, I wish of you to remove any inquiries including within this month of XXXX 2017, As soon as possible or within 30 days of this notice because I have not applied for any credit cards or store credit including this month of XXXX 2017. 



If you have any questions, please let me know. 



Sincerely XXXX XXXX One of the people of the california --
Product: Credit reporting 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. 

Account Name : XXXX XXXX  : Account XXXX : Balance : {$7800.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$3800.00} Account Name : XXXX XXXX : Account XXXX XXXX XXXX : Balance : {$6300.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$3300.00} Account Name : XXXX : Account Number : XXXX : Balance : {$12000.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$3900.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$1300.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$7900.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$4400.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 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: Consumer Loan

I was in a desparate situation when I applied for the loan. as promised I paid my monthly installments but it seemed that the balance was never going down no matter what. I got into a bind and let them know I was having a difficult time paying, the payment was too high for me and the balance barely changed so I had to stop paying my loan. now its doubled again and the balance has increased since I have n't paid it.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information that is found to be opened due to identity theft. 
XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had a Chase account that was closed and charged off almost XXXX years ago. XXXX accidentally sent a check to this account and the bank applied it to the charged off amount, after initially telling me that they were going to refuse the check and refund it back. They are now refusing to send the check back and claims they applied it to the charged off account. This is wrong and completely unfair!
Product: Credit reporting or other personal consumer reports

I am unaware of this debt, i did not have a opportunity to dispute this information, I have requested proof this belongs to me and they have failed to respond. If in fact you believe you gave me proper notification then please send me the certified receipt with my name on it thank you!
Product: Credit reporting 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$32000.00XXXX XXXX XXXX XXXX XXXX  : XXXX, {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$32000.00} However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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. 



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. Account name : XXXX XXXX XXXX  Acct # 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: Vehicle loan or lease

Hello, I am filing this complaint against Ally Financial Inc ( doing business in the state of California corporation # XXXX ; Agent of service for Process XXXX XXXX XXXX XXXX  XXXX mailing address XXXX XXXX XXXX XXXX MI XXXX ), for violation of Unfair, Deceptive or Abusive Acts Practices. 

This is regarding an auto lease buyout Ally Financial Account # XXXX, vehicle information XXXX XXXX XXXX XXXX # : XXXX. 

On XX/XX/XXXX, I received a letter regarding terminating the lease and purchasing the above mentioned vehicle from Ally Financial Inc per my request [ attached as XXXX  ]. 

On XX/XX/XXXX, I obtained a certified check from my personal financial institution in the amount of {$39.00}, XXXX. XXXX as required to terminate lease and purchase the above mentioned vehicle [ attached as XXXX ]. Ally Financial Inc processed this check on XX/XX/XXXX [ attached as XXXX ]. Ally Financial finally emailed a buyout packet on XX/XX/XXXX via XXXX, which contained confirmation for purchase of the vehicle, special memorandum of sale and receipt for payment and odometer disclosure statement [ attached as XXXX ]. 

Since XX/XX/XXXX I have been trying to find out how long it will take Ally Financial to mail out the title and I am told to just wait. Finally on XX/XX/XXXX I spoke with a supervisor named XXXX in the Remarketing/Out department attempting to collect more money than I am financially obligated to pay for the above mentioned vehicle and that since my account is being reviewed pending this collection Ally Financial will not release my title. 

Attached to this email is documentation verifying each aspect of this complaint. I have attempted to have Ally Financial Inc to release lien on the vehicle and obtain the title for the vehicle I have purchased.
Product: Mortgage

Realtor, mortgage company and title have a duty to make sure that clients are being taken care of in a professional and expeditious manner. All and all though the paperwork process income state was communicated to multiple parties/ originators ( XXXX XXXX ) whom advised that such would not hinder the proceedings. With that being said, I don't think my file was treated with diligence and my best interest at heart. An appraisal was ordered on the property without the file being submitted to underwriting, so I'm out {$570.00} for an appraisal along with my option and inspection with no house to show for it. Then for me to finally get to the proposed day of closing per contract, only to find out that the deed is not dated within the time period for Texas state law, this should have been discovered a long time ago. At the end of it all, I have every party involved arguing through email and playing the blame game in which no one wants to take responsibility. So what am I to do when I have professionals working on my behalf who have " dropped the ball ''. 

Honestly do not think buyer was represented well. This miscommunication of vital information is undesirable. For Buyer to be working on paperwork for this property since XX/XX/XXXX and now XX/XX/XXXX a fault is being noticed is obnoxious. 

Then the representative XXXX XXXX XXXX will not accept the fault of XXXX XXXX finding the error that the deed was not sign until XX/XX/XXXX and submitted XX/XX/XXXX until the proposed day of closing XX/XX/XXXX which was never communicated to buyer. 

Staff is not on the same page and sells dreams and misleading information
Product: Checking or savings account

USSA Federal Bank has had a " XXXX at XXXX '' feature for many years that allowed scanning a check and using the scanned image to make deposits to checking and savings accounts. They have discontinued that service and instead have instructed account holders to use their USAA phone App to deposit checks. 

The phone App requires taking a picture of the check and sending the image to USAA. 

The problem is that many of us who are older and handicapped can't hold our phones steady enough to take an image that is clear enough for the deposit to be accepted. 

I made two attempts at resolving this with USAA. The first attempt was with their Web Support area. The person I contacted there agreed that eliminating the XXXX at XXXX feature which allowed using a scanned image was a mistake. She told me that they have received numerous calls from XXXX patients and account holders suffering from XXXX XXXX who can no longer make deposits because they can't achieve the required image quality using their smart phones. 

I next contacted the CEO 's office. The customer service individual there said that USAA was aware of the problem and I should just mail the check, they had no intention of changing their policy. 

Mailing checks is not a satisfactory solution. Unfortunately the U.S, Mail isn't that reliable and the in-transit time for the check is excessive. We, their handicapped customers, should not be denied use of our funds simply because we are handicapped and can't use the smart phone App. 

USAA should recorgnize this is a universal problem and though the number of customers may be small for a company the size of USAA they should not be allowed to discriminate against handicapped individuals by removing services that allow us timely use of our funds.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX (XXXX) reported a 'placed in collection' balance of $XXXX to XXXX on XXXX XXXX, 2017.  

They reported the original creditor as XXXX XXXX XXXX of WI with an open date of XXXX XXXX, 2017.  I do not have a balance with this creditor.  This appears to be a 'new' balance, which resulted in a significant credit score drop.

Over the past couple of years I have received random phone calls and emails from similar payday loan companies threatening to proceed with arrest warrants, direct contact with my employer, putting my social security number on hold, etc.  Additionally, there was direct refusal to validate the debt.
Product: Checking or savings account

Company : Moneylion XX/XX/year> I received a text that I did not know that time that it was a scam. The context of the message quoted " We've detected abnormal activity on your MoneyLion account that could violate our User RulesXXXX XXXX XXXX XXXX XXXX. I clicked on the link and ask me to log in. I put in my username and password then signed in then it shows the message that my account was locked. But when I open my banking app and I can access it. XX/XX/year> I saw an unauthorized charged of {$610.00} on my account and a XXXX XXXX loan of {$1000.00} was applied to my account. I contact them to file a dispute, they said they will investigate what happened. I waited weeks and They said they can't find no error on that unauthorized transaction. I contact them to reopened the dispute, they asked for any other informations that I can provide. I send them screenshots of the text messages that I keep receiving, and screenshot of what it shows me when I clicked on the link. ( I keep receiving this text that have the company 's name and logo on it. Dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). That's all the information that I can provide since it's fraud i don't know any information about it. 
XX/XX/year> I received an email that the load requests made XX/XX/year> were unauthorized therefore they voided the loan. I don't understand how can they find the loan unauthorized but my dispute has no error. It happen the same day reported it the next day. It's frustating and giving me so much stress. If it's only {$100.00} I'll let go of it but I'm disputing {$610.00} and I needed that money.
Product: Credit card or prepaid card

I redeemed rewards issued by my employer with Prepaid Digital Solutions in the form of virtual prepaid XXXX cards. I received 3 cards worth XXXX dollars each on XX/XX/2021, and one card worth XXXX dollars on XX/XX/2021. They " expired '' a couple of months later in XXXX and XXXX respectively. 

I redeemed them from my employer when I did due to an internal redemption deadline, but there was no indication that the option that I chose had an expiration date. In the confirmation email that I received, instead of being bold and clear that these cards expire relatively soon, it is buried in tiny text all the way at the end of the email. So having no idea that they expire, and not having been reasonably informed, I let them sit until now, when I went to access them and discovered that they were expired. 

The company refuses to reinstate them due to " rules and regulations '' which is absurd. It is not their funds, why are they able to essentially confiscate them?? What " regulations '' are they referring to??? They intentionally do not inform the customer that these cards expire in a satisfactory manner in order to steal their funds.
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I had my graduation party XX/XX/2023 and received graduation checks. When I tried to deposit the check I forgot to write my name on one of them so Chase Bank restricted my bank account around the beginning on XXXX. They told me they had to verify the checks but refused to contact the correct numbers for those people that gave me the check. The money has been taken out of their account and chase is holding on to the money and refusing to release the funds. They are saying that THEY have to call the numbers that are attached to whatever address is attached to checks even though those number do not work. Also they refuse to receive verification when they go into the bank face to face. So they are holding on to {$300.00} they refuse to release. I tried multiple times to go into the bank and they dont do anything and when calling over the phone they dont do anything either. This is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXXXXXX XXXX  I sent an identity theft report at and and that was received along with my drivers license because I am a victim of aggravated identity theft. Equifax is the only credit reporting agency that is reporting these negative accounts on my reporting financially causing me great harm. According to 15 us 1682 c-2 ( a ) a consumer reporting agency must block the reporting of all ny information in the file of a consumer identified as information that resulted from an alleged identity theft, not layer than four business days after the date of receipt by such agency.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts appearing on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time, I noticed unexpected discrepancies. I even refreshed my browser to see if it was a temporary glitch, but the errors remained. Because of this, I am requesting a thorough review of the documents Ive submitted to ensure that I never have to deal with this issue again.
Product: Credit reporting or other personal consumer reports

The account SYNCB/XXXX  ( XXXX ) and XXXX ( XXXX ) show late payment marks, even though these accounts have already been settled and closed. Additionally, they are in violation of 15 USC, which is why, through this complaint, I want to dispute this and request their removal from my credit report.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Product: Credit reporting or other personal consumer reports

Under 15 US code 1681e ( b ) & 15 US code 1681i ( 5 ) these accounts have violated my federally protected rights by not reporting 100 % accurate. 15 US code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt.
Product: Debt collection

The late dates for XXXX XXXX XXXX XXXX Account : XXXX, Date Opened : XX/XX/2018 ) are inaccurately verified, violating the FCRA. Despite multiple attempts to resolve this with the bureau and furnisher directly, the failure to address this matter promptly will result in legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect t
o any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX