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

In accordance with the fair act Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit card

See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account
Product: Checking or savings account

KeyBank constantly overcharges my checking account on overdraft fees. I manage my money every month so that it would never go negative, however, because  KeyBank  processes transactions on random days it causes my account to be overdrawn multiple times. Transactions do n't get processed days later, even when I had the money to cover them, so my account always ends up being negative 10 days later, because my account is never up to date. Why? Those fees add up to hundreds so most of my paycheck usually goes to the bank just to cover the overdraft fees. Every overdraft fee is {$37.00}, so even if I only spent {$4.00} at a gas station thinking I had money on my account they would still charge me {$37.00} plus {$28.00} reoccurring overdraft fee -- - this is simply because, once again, my account balance is never up to date. Fix this  KeyBank  or I 'll never stop complaining about you. To everyone. To the internet. To the entire universe. Stop treating your clients as your bank account and start working for us like you 're supposed to. Last time I checked it 's not your money.
Product: Money transfer, virtual currency, or money service

Fraudster impersonating as XXXX XXXX support used our XXXX to download XXXX and XXXX and made us withdrawal transactions in order to reverse some charges we did not authorize using our debit cards linked to XXXX XXXX XXXX XXXX. The XXXX transaction receipt we acquired is as follows : FROST BANK XXXX XXXX  Reference Id : XXXX Withdrawal amount : {$3900.00} on XX/XX/2023 @ XXXX XXXX XXXXXXXX Recipient : XXXX Card holder ending in XXXX, expiration XXXX Filed Police Report Number : XXXX XXXX Police Department XXXX XXXX XXXX, XXXX, NC XXXX
Product: Credit card

I'm not in the financial stability to be able to pay the amount I'm in debt with the credit card XXXX XXXX XXXX dollars I need help in so close to the point of literally XXXX my apartment I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

The recent breach of Equifax has allowed someone access to my personal information, and XXXX of my credit cards was used for unauthorized purchases. I never consented for this or any reporting agency to have my information in the first place. Now it has been stolen because of their poor security.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these items on several occasions and no one at any of these credit bureaus are responding back and they can no longer say that they are short staffed. Please have these credit bureaus to do their job and have these derogatory items deleted immediately.. This has caused me not to be approved for my mortgage. 

XXXX  XXXXUnverified account- Delete immediately XXXX XXXX  XXXX Unverified account- Delete immediately XXXX- XXXX-Unverified Account- Delete immediately XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX XX/XX/XXXX
Product: Credit reporting

To Whom It May Concern, In XXXX, I wrote a formal letter to the XXXX main credit bureaus Equifax , XXXX and XXXX requesting them to close an investigation for disputed items on my credit. I requested them to remove the " DISPUTE REMARKS '' from my credit report since the investigation has taken over 90 days. 

I am attaching a copy of my credit report, SSN card and a copy of my driver 's license for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : 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 XXXXXXXX XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Mortgage

XX/XX/2018 My complaint involves the deceptive information used by XXXX XXXXXXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, New York XXXX telephone ( XXXX ) XXXX XXXX, to induce XXXX XXXXXXXX to create a mortgage. 

At the time that the XXXX XXXX was creating this fraudulent mortgage I was XXXX and unemployed. I notified XXXX XXXX that it was impossible for me to continue my mortgage payments and asked him to confer with the bank, XXXX XXXXXXXX, to arrange a program that would allow the sale of the property and the settlement of the outstanding mortgage. 

What was represented as a form of modification turned out to be a financial arrangement that was onerous and draconian in its cost in fees and new taxes and future interest rates. 

The result is that the bank is now at the brink of foreclosure and they have issued a to the court a {>= $1,000,000}, which if executed will leave my wife and myself without any equity and we will be subject to abject poverty. Our most valuable asset will be taken from us and the bank will collect {>= $1,000,000} in fees. My wife and I will be destitute based on a mortgage that I would never have gotten based on the true facts rather than the fabrication that the XXXX XXXX used to create an application that the XXXX XXXXXXXX would accept. This was no more than a way for the bank and the mortgage broker to garner tens of thousands of dollars in fees, with no regard for the laws that demand a truthful disclosure of facts, or the negative impact on the people on the other side of their deceptive behavior.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXXXXXX XXXX - XXXX
Product: Vehicle loan or lease

My Kia was stole in XXXX of 2022. XXXX marked it as a total loss, but then found the car 20 days later and cancelled the total loss in XXXX of 2022. 

I've been paying {$370.00} to Kia towards my car every month on time ( about {$3000.00} down from what it was at the time of the total loss ). A few weeks ago, someone from Kia reached out and said my car is still marked as a total loss because XXXX never called them. After I explained the situation, they said they would put a note on my file that it is not a total loss. I then called XXXX and asked that they reach out to Kia Finance to get it sorted. 

This month, I am unable to pay my car payment because my account was closed by Kia for " unpaid debt ''. No one from Kia called to tell me this was happening. I called Kia finance today and no one was willing to help me solve the issue. I was just told they needed someone from XXXX to call, they wouldn't provide me with a supervisor 's number to help me. But meanwhile, my car is now marked as unpaid debt, my credit most likely has taken a hit and I don't know if someone will try to repossess my car. Kia Finance said they sent a note of final notice to an old address, which they knew was the wrong one because I changed it over the phone with them XXXX weeks ago when they initially called me. So when he was telling me they sent me the notice, he read off an address that wasn't the one I just confirmed the call with. No one cared about my situation, and given this is a financial wing of a big institution, it's incredible that no one saw the urgency or issue in what they've done. I don't understand how so many steps seem to have been skipped to my detriment. 

This whole issue was started by Kia making a faulty car that was easy to steal. Now a year later, they somehow decide I'm not making payments when I can prove I've been paying every single month. Now I'm at the mercy of XXXX calling Kia in time before this goes further. I blame Kia Finance for not properly communicating to me or XXXX or checking my payments before closing my account. If XXXX had been the ones communicating with them to begin with, why am I the one being affected? WHERE HAS MY MONEY BEEN GOING THE LAST YEAR???? 

I want to understand how my payments over the last year have still been marked as debt, considering even when my car was considered a total loss, I had to continue making payments until XXXX sent them their payment. So how am I responsible for continuing to pay when it's another company 's responsibility to make a final payment, and when I do just that, my account closes?
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. 
Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA.

Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been used Equifax I found 18 Hard Inquire In one year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fellow XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was not aware that this was happening until recently I have a XXXX XXXX account from XXXX XXXX for {XXXX} that I 'm working on trying to get off my credit as we speak I did a father account did a police report XXXX game medical XXXX XXXX XXXX {XXXX} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {XXXX} XXXX XXXX I 'm just now at XXXX trying to get my credit together together and and I also would have some to update my personal information some addresses if you can just give me a call at XXXX XXXX XXXX XXXX XXXX birthday XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I checked my account online I saw my credit cards said restricted. I called Capital One and they said they no longer wanted to do business with me and terminated my account due to my non-compliance but they never specified over the phone or through email what exactly occurred I believe they violated my rights as a consumer.
Product: Debt collection

I was involved in class action suit against XXXX, or XXXX XXXX, the loan was made illegally and was discharged, forgiven and should have been removed fromy credit file. A third party debt collector ( COMPLETE CREDIT SOLUTION ) continues to pursue this forgiven loan and refuses to remove from credit report. Lawsuit is Turner v. ZestFinance, Inc. 
Case No. 3:19-cv-293 Complete credit solutions ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX, TX XXXX
Product: Credit card or prepaid card

My American Express serve card was used at an ATM to withdrawl {$500.00} with out my consent another charge of {$0.00} ATM declined fee was charged as someone attempted to withdrawl more funds on XX/XX/2022 at XXXX am I called American Express at XXXX when I realized someone used and attempted to withdrawl money. They sent me a declaration of fraud form I submitted this on XX/XX/2022. On XX/XX/2022 American Express sent an email saying that my dispute was declined. 
This is not correct and I believe that American Express stole my money as my card is still in my possession and I wasnt in the area of this ATM when it was used.
Product: Credit reporting, credit repair services, or other personal consumer reports

Honda Financial reported a delinquent account on XX/XX/2020 for the amount of $ XXXX original loan amount was paid in full and this new balance previously disputed. I have requested for Honda financial to record this as disputed in compliance with the FCRA yet they have not. Attached is proof.
Product: Credit reporting or other personal consumer reports

I never Authorize these inquiries to be pulled from my credit report and have asked all three credit bureaus to removed them, but they haven't. I requested it be removed XX/XX/XXXX. I dont recognize these lenders and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX XXXX 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX  Account Number : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that 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. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$1100.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several Regions Bank accounts that were discharged through bankruptcy in XX/XX/2917. These accounts ate all closed and no activity since XX/XX/2017 however the company continues to report the account as open and delinquent. They also continue to update the status which makes it seem as if the debts are recent when last activity date should be XX/XX/2017. Ive disputed several times with all bureaus and they keep responding to the dispute with incorrect information.
Product: Credit card or prepaid card

I don't think it is right to continue to charge a monthly fee when a person makes more than the minimum monthly payment. This forces unnecessary debt. 
I have been XXXX and out of work for over a year which is why my account was overdrawn. These predatory techniques should not be allowed let alone on a situation like this. 
I've been trying to bring the balance down but charging $ 15+ a month despite any type of payment isn't right.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not authorize credit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I currently rent a duplex located at XXXX XXXX XXXX XXXX IA XXXX. The property was sold on XXXX/XXXX/XXXX for {$180000.00}. The current owners used FHA financing and are not occupying the property. I know this because I 've been receiving their mail since XX/XX/XXXX. The mail is addressed to the current owners on record to my address which I have a lease agreement in place until XXXX XXXX. The property has XXXX addresses listed in the United States Postal Services website. XXXX and XXXX XXXX XXXX XXXX IA XXXX. I 've included a picture showing the XXXX mailboxes. I 've also included the lease agreement from the tenant at XXXX XXXX XXXX, which is month to month starting XXXX XXXX and is good through XX/XX/XXXX. XXXX and XXXX have lived at XXXX XXXX XXXX for over 5 years and will remain there until their current lease has expired XX/XX/XXXX. Simply sending someone out to the property and asking who actually lives there would clear this matter up.
Product: Credit reporting or other personal consumer reports

- Inquiry Date : XXXX XXXX - Company Name : XXXX XXXX XXXX  - Inquiry Date : XXXX XXXX -Company Name : Capital One Via Dealer - Inquiry Date : XXXX XXXX -Company Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX -Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Company Name : Captial One Bank -Inquiry Date : XXXX XXXX -Company Name : XXXX XXXX -Inquiry Date : XXXX XXXX XXXX Name : XXXXXXXX XXXX XXXX -Inquiry Date : XXXX XXXX -Company Name : Capital One Bank USA -Inquiry Date : XXXX XXXX -Company Name : Capital One Bank USA I have contacted all the companies listed in connection with these hard inquiries to inquire about their legitimacy. Despite my efforts, none of these issues have been resolved, and the hard inquiries are still showing on my credit report. 

These inquiries are unfamiliar to me, and I have not authorized them. I have made multiple attempts to resolve this matter directly with the companies involved, but they have not provided a satisfactory resolution or removed the inquiries from my credit report. 

I am requesting your assistance in addressing this issue and ensuring that the unrecognized hard inquiries are investigated and removed if they were made in error or without my consent.