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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

For the past few months I have been contacting TransUnion and the companies that they have listed on my credit report wrong. I have not applied for these accounts that was opened in my name. I have nothing from these people and have no clue why this is on my credit report. I have send you all a police report, proof of my identity and social security card. I don't know what else you want from me. I need someone to help me get rid of this headache and get this problem solved once and for all. Please remove this information that is not mine. It is against the law to report things that do not belong to a person. These accounts for Dept of Ed/XXXX XXXX XXXX along with attempts to open other accounts that I did not request from XXXX, XXXX XXXX, XXXX, and XXXX XXXX. It would be a great relief for you to get this mistake corrected and these accounts deleted.
Product: Student loan

Student loan company navinet added more charges to my loan without me being aware also I had forbarancre in my account which was approved then two years later I received a letter stating my forbarancre was denied
Product: Debt collection

On XX/XX/year> my Husband and I received a notice of debt to XXXX XXXX XXXX from Sentry Credit, INC. ( noted that the Statement is dated XX/XX/year> ) The statement from Sentry Credit stated we owned them {$1500.00}. We had not received any notification from the apartment themself. On XX/XX/year> I called and talked with the Apartment manager and she said that it was a glitch in the new system and she said that she said it was corrected and that it would be pulled back from the collections. in the mean time she sent me the ledger so that I had evidence that we did not own them any money, in fact they owed us {$160.00}. Today XX/XX/year> I called them twice in attempts to verify that it was being pulled back and that this was not going on our credit score. but each time they would not talk to me unless that validated me with my DOB and SSN I asked if there was another way to validate me, and they would not. then I asked for a debt validation letter and they would not unless I gave them my DOB and SSN, which I didn't give. then they called me and was asking for the same thing and would not acknowledge me asking for the validation letter. they gave me our old address when they sent the notice to our new address. I gave them my DOB and she said it was incorrect and need my SSN. I told her I was uncomfortable and would talk with the apartment. I tried to call the apartment twice and did not receive a response. I will sent in a written request on how to dispute the debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries on my credit report. As outlined under the Fair Credit Reporting Act ( FCRA ), no entity is permitted to access or publish my credit information without my explicit consent. These inquiries have negatively affected my credit profile, and I demand their immediate removal.

The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the FCRA Section 604 ( 15 U.S.C. 1681b ), a credit reporting agency may only furnish a consumer report under specific permissible purposes. These include my direct authorization, which I did not grant for the inquiries listed above. As such, these inquiries constitute a violation of my rights under the law.

Further, I would like to reference the Federal Trade Commission ( FTC ) guidance, which affirms that any unauthorized access to a consumers credit report is a breach of the FCRA. Unauthorized inquiries can have a detrimental effect on a credit score, and I am entitled to a resolution.

I respectfully request : A thorough investigation into these inquiries.

Removal of all unauthorized inquiries from my credit report.

Written confirmation of the actions taken as a result of this dispute.

I have included a copy of my credit report with the disputed inquiries highlighted for your convenience. Additionally, I am providing copies of my government-issued ID and proof of address for identity verification.

Should you require any further information or clarification, I am available at [ XXXX XXXX XXXX ] or [ XXXX XXXX XXXX ]. I expect a response within the 30-day period stipulated under the FCRA.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I'm a XXXX XXXX XXXX  on a fixed income and when I was quoted XXXX and was reluctant to pay that much, my salesman said after the XXXX rebate check given ( which I haven't received and its in my contract ), and 26 % back in taxes, It'll go down to XXXX and I was okay with that. I even wanted to make sure my goodleap papers said it, but they deceivingly worded it in such away that I have to come up with 26 % in 18 months or it goes up. I don't have internet hooked up and they wont come out and hook it up to my solar and my first electric bill after hookup was XXXX and over XXXX each month thereafter not including my monthly solar payment.
Product: Credit reporting or other personal consumer reports

This is a repeat of the complaint I filed in XX/XX/year>, # XXXX. This has reoccurred more than 5 times. Despite a Fraud Alert on file, TransUnion has again allowed a user of their automated system to unfreeze my credit without confirmation of my identity via text or email. XXXX  XXXX XXXX, a bank I have never worked with, was for the 7th time, able to fraudulently pull my credit report within minutes of my TransUnion credit file being unfrozen and again issued a credit card to a fraudulent party. I am now forced to dispute the credit pull and the credit card. What good is a fraud report and credit freeze if someone can simply unfreeze my credit report? How do i stop XXXX  XXXX XXXX from applying for credit i don't want and never requested? Thanks for your assistance!
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday my Credit score was XXXX. Today out of retaliation for me filing a complaint against them Equifax dropped it by 38 points. Nothing has changed on my credit report since yesterday. In fact my credit score had went up XXXX to XXXX. The only reason my credit score dropped is because Equifax is retaliating against me for filing complaints against them. If this is not so then why did my score drop 38 points when nothing changed from yesterday. Nothing and I mean nothing changed from yesterday yet my score dropped 38 points. this is retaliation and its unethical and just wrong. If Equifax would do their job like they are supposed to I would not file complaints against them. This is more evidence to add to my complaint against them that I filed with the Georgia Attorney Generals office.
Product: Credit card or prepaid card

on XX/XX/XXXX I registered for the promotion from American Express : spend {$5000.00} until XX/XX/XXXX and get XXXX   starpoints extra. 
Points are still not received. Amex has been contacted many times but they did not give any answers.

I want them to post required points and XXXX  points more as a punishment and a compensation for the time spend with communication with AMEX
Product: Money transfer, virtual currency, or money service

First off, I have the XXXX transaction history file. I will attach the file below. 

Also, when I contacted my Financial Institution because I was scammed and a victim of wire transfer, Cash App closed the account and black listed all my accounts. I can't open a new account using my financial institution. 

On XX/XX/2020 a payment in the amount {$100.00} was sent to XXXX. 

OnXX/XX/2020a payment in the amount of {$200.00} was sent to XXXX XXXX. 

On XX/XX/2020 a payment in the amount {$500.00} was sent to ( XXXX Address ) to XXXX. 

On XXXX XXXX 2020 a payment in the amount {$500.00} was sent to ( XXXX Address ) to XXXX. 

I have copies of all the e-mails from Cash App. Most of the consist of " canned '' answers. I've never e-mailed the same person. I always receive a different person. When I asked that my complaint be forwarded to the Fraud Department, Cash App indicated they did that. Still nothing happened. They didn't even investigate the fraud. 

On XX/XX/2020a payment in the amount {$600.00} was sent to ( XXXX Address ) to XXXX. 

My financial institution was able to claw back XXXX of the {$500.00} transactions. Cash App blocked all the rest. 

Cash App will not provide the contact information, Name, Address, telephone number, e-mail or anything. Cash App says to contact the merchant through Cash App. Tried that and nothing happened. 

There was nothing received on my part. I'm betting all the above merchants are the same individual and that individual isn't even in the same location as my self.
Product: Debt collection

I am unaware of this debt. I did not have a opportunity to dispute this information. if in fact you believe you give me proper notification. Then please send me the certified mail receipt with my signature. Also can you furnish the contact or agreement between you and I. With my signature
Product: Mortgage

I am submitting this complaint to formally request that the Consumer Financial Protection Bureau ( CFPB ) investigate Village Capital and Investments , LLC for mortgage fraud and violations of FHA cash-out refinance guidelines. This complaint is in addition to an existing complaint against XXXX XXXX, which has already been forwarded to the FDIC. However, since Village Capital is not under the FDIC umbrella, I am filing this separate complaint against them. 

Summary of Allegations Village Capital and XXXX XXXX  knowingly and deliberately violated mortgage laws and FHA guidelines in handling my cash-out refinance loan. The following specific violations occurred : XXXX. Approval and Closing with a Missed Payment The loan was closed despite me missing a XXXX mortgage payment, which violates FHA cash-out refinance guidelines. 
XXXX XXXX  and Village Capital were both aware of this issue before closing. 
XXXX XXXX  pulled my credit multiple times before closing, which would have shown the missed payment. 
A XXXX XXXX  representative even contacted me directly to inform me of the missed payment before proceeding with the closing. 
XXXX. Fraudulent Intent to Take My Equity or Property Both lenders acted in coordination to manipulate the loan process to place me in a higher interest rate outside of HUD guidelines. 
Their deceptive practices indicate an intent to either strip the equity from my property or position me for foreclosure. 
XXXX. Deceptive Lending Practices and False Statements The Vice President of XXXX XXXX XXXX XXXX XXXX and the loan officer admitted to me that they could close any loan, which suggests intentional wrongdoing and a pattern of fraudulent activity. 
They misrepresented loan eligibility requirements and ignored regulatory guidelines, violating my consumer rights. 

Request for Investigation and Action I request the CFPB investigate Village Capital and Investments , LLC for these violations and take appropriate enforcement action. Additionally, I ask that this complaint be added to my existing complaint against XXXX XXXX, as the XXXX entities worked together in this fraudulent transaction. 

Please confirm receipt of this complaint and provide guidance on the next steps in the investigation process. I can provide further evidence and documentation upon request. 

Thank you for your time and attention to this
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act XXXX XXXX  XXXX XXXX, Has Violated My Rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

Money send by my tenant in Pennsylvania state using XXXX application using her personal bank named TD bank to my personal bank named XXXX XXXX XXXX didnt reach in my account. My tenant has proof of this said transaction and verification code that it happened and it looks like her bank has proof of this being deducted from her account on the date, unfortunately it never reached in my account and my bank is not able to see this transaction and it is missing in the cloud of XXXX. Both banks offer a service thru their banks TD bank and XXXX XXXX  XXXX but unfortunately not able to find this missing payment of {$1200.00} nor has any ways of resolving in any humane way. Me and my tenant called our respective banks and still without any luck and getting the run around for the last so many months now.
Product: Credit reporting or other personal consumer reports

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX 's Metro 2Compliance standards, then I contest the reportability of any such claim. The XXXX 's XXXX stipulates that '' ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, you must accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested.Listed below are the Collections that are being challenged : XXXX XXXX  - XXXX
Product: Credit card or prepaid card

I made a purchase on ebay via XXXX on my Capital One XXXX card on XX/XX/2018 for {$7.00}. When I check my account on XX/XX/2018, I noticed there was a cash advance fee {$10.00} posted on my account on XX/XX/2018. I called Capital One and asked them why I was being charged the cash advance fee on XX/XX/2018. The customer service representative told me that I sent a wire to a seller on XXXX  via my capital one card, that's why I was being charged the fee. I asked the CSR if they could do a one time waiver fee since I always pay my credit card on time & and I wasn't aware of it. The CSR at capital one told me that she couldn't and that I should read my card member agreement. It has been five days and this issue hasn't been resolved and I'm upset about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One sold this account to a collection agency XXXX in XXXX of 2020. I have been paying automatically to the the collection agency XXXX every since XXXX of 2020 on this account however, Capital One meanwhile continues to report derogatory information each month from the date the account was sold to XXXX XXXX I have disputed this Information with XXXX  four different times and have received the same results back from Capital One. XXXX  has advised me to contact cfpd. I will include supporting documents in reference to this account as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am hereby putting XXXX on notice that they are negatively reporting information on my consumer report and I never gave them my written instructions to share my information with a non affiliated third party. 

The Gramm Leach Bliley Act states that a financial institution may not share any non public personal information with a non affiliated third party. A financial institution is also supposed to give the option to opt out of credit reporting. XXXX is sharing my non public information with Experian who is in fact a non affiliated third party. I never gave XXXX written instructions or gave consent for them furnish this negative information onto my report or share my information which is a violation of my right to privacy. And this has cause a privacy breach and has hurt my reputation by furnishing multiple late payments on my consumer report. Please see the attached letter for full information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - Refuse to remove items off of my credit report that does not belong to me. I have utilized their very own system from fraud alerts because I am a victim of identity theft XXXX  XXXX XXXX Report XXXX XXXX XXXX its reporting by data furnished but anybody that use a social security will in a data furnished. Make it make sense also have a FTC report XXXX XXXX XXXX  reporting XXXX  acct # XXXX XXXX ( which is repoed but I never missed a payment ) that right there should tell you fraud because why would they repo a car that never was late ) Simply was not my car. Investigations are very poor and not in compliant with the Fcra and consumer laws. 

EQUIFAX XXXX XXXX XXXX reporting XXXX acct # XXXX XXXX ( which is repoed but I never missed a payment ) that right there should tell you fraud because why would they repo a car that never was late ) Simply was not my car. Investigations are very poor and not in compliant with the Fcra and consumer laws. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Please proved that I lived, show me the lease and I will pay you! I never lived in this apartment where this gas was associated with also have FTC report These reporting agencies are breaking not XXXX, not XXXX but multiple FCRA laws and they are not in compliance. 
The inaccuracies on the report alone is ridiculous. This is very much against the law If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, XXXX item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ... ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. The Consumer reporting agencies are also in violations of ... 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : Sates a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) 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 9A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15. U.S. C 1681 C Section 605 B 15 U.S C 1681 e ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

There a Hard inquiry that I did not authorize on my account that needs to be removed immediately, Also there is a Utility bill that is unauthorized on my account, that keeps reappearing, after it was deleted
Product: Payday loan

I owe Ohio Acceptance Solutions Group money from a payday loan that I received from them. Due to unforeseen circumstances, I am unable to make my payments at this time and have been willing to set up an arrangement with them. I have emailed them at least 15 times asking them to stop calling me at work because it puts my job in jeopardy. They continue to call and hang up. They are calling from XXXX. If you call that number back, it is them. I need these calls to stop!
Product: Credit reporting

They are showing a collection account as unpaid with a {$630.00} balance and are telling me they have contacted the original creditor along with the collection agency and verified it. I have contacted original credit and the collection agency and they both have that the account was paid in full with a {$0.00} balance. Equifax will not correct my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 a hard inquiry was reported on my credit report from an unfamiliar bank I don't have an account with. After contacting the bank, they confirmed a credit card was applied for using my information. This was not done by me.
Product: Debt collection

I was NOT aware of the debt until I checked my credit. To my knowledge, never saw a doctor in this town. I have never received a statement or bill from this doctor or agency stating I owed them anything, nor have I ever received a call. During the time of question ( 6 years ago ) I was insured and any bills submitted would have been paid under that plan. I have never received anything saying they were turning me over for collections or a right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

lexisnexis was told to remove info. they passed the buck onto XXXX. XXXX refuses to budge. 

FCRA- " NEW '' accounts need verification. My accounts are hardly new. In fact over XXXX  years old. request for info to update database based on my blood type etc. is HEREBY DENIED.
EACH AND EVERY REPORT GIVEN has not had the demanded dispute letters, emails, etc. I have not gotten phone recordings, etc. PUSH BUTTON mechanics. NOTHING RESOLVED. I AM ESCALATING CLAIM.
NOTHING IS GETTING REMOVED. I SAID TO SUPPRESS THE INFO. I SAID I DIDNT WANT MY INFO STOLEN. NOBODY GIVES A FLYING XXXX. EVEN if addresses are OVER TEN YEARS OLD. INFO SHOULD NOT BE ON MY FILES ANYWHERE. FILES SHOULD NEVER BE CONNECTED to the internet ( EQ ).
I DENY any right to waive lawsuit. I INSIST ON SUING for damages due.
Product: Checking or savings account

On XX/XX/2022 I initiated a deposit into Robinhood in the amount of {$5000.00}. On XX/XX/XXXX robinhood locked my account and initiated an investigation for reasons unknown to me. I have cooperated with robinhood in submitting all the requested documents such as bank statements, drivers license, social security card, and Live Photos. Robinhood has since kept my money locked with no access from me whatsoever. They keep asking for statements that I Have already provided multiple times. A remaining balance of {$2200.00} remains locked in my robinhood account. I keep Getting the runaround and it seems like I will never have access to my money again.