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

I XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; XXXX XXXX XXXX, I Have no knowledge of this Account CAPITAL ONE XXXX, I Have never Signed a Contract with XXXX XXXX XXXX ; or CAPITAL ONE ; I did not give any written instructions to furnish my account to XXXX XXXX XXXX ; Nor, CAPITAL ONE ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I ORDER these accounts to be removed immediately from my consumer report file : Any Contracts that Have my Name, image or likeness without my permission and written consent is Fraud ; & Void XXXX 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 an account without my written instructions. 


Now that you have been notified that this information is inaccurate, I ORDER you XXXX XXXX XXXX ; of CAPITAL ONE ; to Immediately Delete this account CAPITAL ONE XXXX, with XXXX XXXX from my Consumer Report in accordance with 15 U.S.C 1681 s-2 ( A ) ( 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. 

as this file CAPITAL ONE XXXX, has damaged XXXX XXXX XXXX XXXX ; reputation and damaged me physically and Emotionally since the report appeared ; For the Record ; I am NOT requesting the company to verify any information accuracy, I am demanding all consumer reporting agencys and XXXX partys corporations to delete all unauthorized consumer reports stated above, from my file immediately!! 

I also Demand that I be Compensated for my Damages and {$1000.00} XXXX XXXX XXXX  for each Violation In Accordance with 15 U.S.C 1681 section 602 A. & 15 U.S.C 1681 Section 604 A Section 2. 

Pay to the order of : XXXX XXXX XXXX XXXX
Product: Bank account or service

My personal and business accounts were suddenly closed for no apparent reason at my bank. I was given less than 30 days to respond to this action. See attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. XX/XX/XXXX account number # XXXX andXX/XX/XXXX account number # XXXX andXX/XX/XXXX XX/XX/XXXXaccount number # XXXX and XX/XX/XXXX account # XXXX have violated my rights. 

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

15 U.S.C 1681 SECTION 604A. SECTION 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX Account Name : XXXX  XXXX Account Name : XXXX  XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX-XXXX  XXXX  XX/XX/XXXX XXXX/XXXX-XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX-XXXX  XXXX  XX/XX/XXXX
Product: Debt collection

Portfolio RecoveryXXXX XXXX XXXX has been mailing and calling and harassing my family and I about a debt that would be too old to collect on but I do not owe them any money anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I reviewed my credit report and found the following accounts that I did not open reported on my credit file. I did not open any of the accounts collections agencies are collecting for. 

XXXX  - Balance {$97.00} XXXX  XXXX / XXXX XXXX - Balance {$2200.00} XXXX XXXX XXXX - Balance {$860.00} XXXX XXXX - Balance {$2300.00} XXXX XXXX - Balance {$2600.00} XXXX XXXX  - Balance {$1700.00} XXXX XXXX - Balance {$820.00} XXXX XXXX XXXX - Balance {$790.00} XXXX - Balance {$1200.00} The following addresses on my credit file are not my addresses : XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payments on my XXXX  account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of [ XX/XX/year>, XX/XX/year> ] Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks!
Product: Checking or savings account

This bank treats me horible its a disgrace how awful Ive been treated I have proof I will report them to government agencys they like to play games with me and treat me horible this is a lady called XXXX XXXX which was nice when I explained to her everything but then she kept extending the time and everyone refuses to tell me whats going on the brAnch blames XXXX throw me away and tell me to come back when its all clean red I got my report from them and nothing shows negative but then I fax it over to this lady and she told me friday she will have a response now I wait 2 weeks and I called yesterday Monday XXXX and she changed says I cant bank with them and they decided not to do business this is so unfair and discriminatory after having me waiting and cooperating with them they decide to throw me out! I hate them this bank must be investigated they have a problem with me and I did nothing to them for them to treat me this way instead of opening me an account they refuse and treat me horible over the phone bank level and branch level
Product: Credit card or prepaid card

I see repetitive CO marks reporting on this account which is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX  Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is reporting an inaccurate late payment for the XXXX XXXX XXXXXXXX XXXX account ending in XXXX. This is a 30 day late payment in the amount of {$47.00} posted on XX/XX/2022. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TRANSUNION violating my federally protected consumer rights. I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Consumer Loan

Balance for XXXX Account # XXXX incorrectly display account details and % rate details.
Product: Checking or savings account

On XXXX XXXX this account with Flagstar Bank was paid in full on account XXXX the Rep for the Fagstar Bank ensure me this account would be deleted from the Credit Bureau and my XXXX  and XXXX  XXXX. I have provided a document email from XXXX XXXX assuring me that upon payment all action will take place to remove, delete this account from all agencies per email request sent to me. I have attached that email and contact information regarding this account.
Product: Credit card or prepaid card

I made a purchase, from XXXX & XXXX, for furniture on XXXX XXXX and XX/XX/XXXX. For furniture totaling {$2400.00}, with my Discover XXXX 

Over the next months/years, the furniture never arrived. I called discover to see what my opitions were, concerning disputes. They said I could. dispute at anytime. But give some time because of XXXX. 

As of today ( XX/XX/XXXX ), I have not received anything from the company, nor any firm date of when I will. 

On XXXX XXXX of this year disputed the case. They ruled against me, saying the company said they would produce furniture. What timetable I asked, they had none. 

The credit card company, is not standing behind their card, for a purchase where I have received nothing. going on XXXX years.
Product: Credit reporting or other personal consumer reports

XXXX sold my account to a collection agency but it is still showing open on my credit report. 
Payments are being made to the agency as part of a settlement. 

XXXX has been settled but it's not updated on the credit report. 

XXXX is not derogatory. I have a clear title. 

I am working with XXXX XXXX formerly XXXX XXXX XXXX and have called them to ask for assistance in getting the XXXXXXXX and XXXX accounts corrected but have not been assisted.
Product: Checking or savings account

The night of XX/XX/XXXX I checked my TD online account and noticed that my account balance was much lower than expected. Upon reviewing the transactions I saw XXXX large withdrawal transactions. A withdrawal of XXXX and XXXX dollars on XX/XX/XXXX from the XXXX XXXX XXXX XXXX TD bank location and XXXX cents from XXXX bank ATM in XXXX on XX/XX/XXXX. A total of XXXX was taken from the account and XXXX in atm fees. 

I immediately contacted TD banks fraud department and notified them about these fraudulent transactions. The representative I spoke with informed me that the transactions were completed with a newly administered debit card. The debit card I still had in my possession was set to expire XX/XX/XXXX, so the bank automatically issued a replacement card via mail. This replacement card was mailed XX/XX/XXXX but never received by me. The representative informed me that the card was activated by the other party on XX/XX/XXXX then they proceeded to withdraw money. I submitted an affidavit explaining I wasn't the one who made these transactions and had it faxed to TD fraud from my local TD bank location. I closed both my checking and saving account that was connected to the compromised card and reopened new checking and saving accounts on XX/XX/XXXX I've filed XXXX claims with TD bank already, but they keep being denied, saying that a valid card and pin was used to make the transactions and not being further investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report recently to discover XXXX XXXX had reported to all 3 credit bureau 's my account was deregulatory and/or over 30 days late as of XXXX-17 my account has been in good standing & current with all payments.
I requested a written validation letter, never received it & I also spoke with customer service at XXXX XXXX they informed me all reporting to credit agencies would be changed and updated right away due to my account being in good staying and current to date.
I wrote to all 3 credit bureau 's requesting this corrected on my reports, the error was never verified or validated in written.
Product: Debt collection

On XXXX XXXX XXXX EST XXXX XXXX XXXX under phone number ( XXXX ) XXXX messaged my dads number ( XXXX ) XXXX ; this message contained a link, confirmation number of the debt and a statement acknowledging that they are debt collector. I found this immediately disturbing as they never even attempted to contact me first, since the message contained my legal name. My phone number is ( XXXX ) XXXX. 

This is inexcusable behavior from any debt collector. My dad could have pretty much accessed my debt at any time but he chose to ask me first ; I told him to delete the message because it doesnt relate to him. 

This is in clear violation of the Fair Credit Reporting Act as this company deliberately attempted to display collection activities related to my closed account towards in another family member without my knowledge.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX have reviewed my credit report and found there are several inaccurate data with my personal identification in which Experian is reporting. My only name is XXXX XXXX XXXX, I have asked Experian on several occasions to please delete any other names they're reporting. My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and have asked Experian several times to delete any other address that does not reflect this.
Product: Checking or savings account

debit card purchases and/or ATM withdrawals will remain in a pending status for several days.these transactions should process automatically and have no reason to be pending for 3 days. This causes the account to reflect an inaccurate available balance Then your hit with overdraft fees each time because you have spent more money than was actually available. 
Also I received a letter threatening to close my account because it had been overdrawn for more than 21 days. I am paid biweekly and use the account for direct deposit every two weeks. My account has NEVER BEEN overdrawn for over 21days. I have been charged many overdraft fees because of the delayed payment posting process. I feel this practice is waste and abusive fees being charged. 
I have reached out to the bank regarding this issue more than once and nothing has changed or even provided a logical solution. 
The picture attached was taken on XX/XX/year> and shows debit card transactions from XXXX XXXX  still pending. I have also attached a picture of the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Michigan XXXX Experian XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX  XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/XXXX XXXX  ( Retailer ) XX/XX/XXXX XXXX. 
I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; Experian, written permission or my consent to furnish this information onto my credit report or consumer credit file. 
This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.

Please delete these fraudulent inquiries immediately from any records that are on your system or validate these inquiries by providing me with copies of any documentation associated with these accounts bearing my signature and/or my written permission authorizing an inquiry, per Federal & State statutes.

Furthermore, I also demand you, Experian produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.

Enclosed are copies of ID and proof of mailing address. 
Thank you for your time, XXXX XXXX XXXX
Product: Mortgage

I called XXXX XXXX for a mortgage payoff for the property at XXXX XXXX XXXX, XXXX, NH, LOAN NUMBER XXXX. I was very firmly told to make the XXXX payment because Ditech was going to pay the real estate taxes. I told them I would wire them funds on XXXX XXXX XXXX. Their representative demanded I make the XXXX payment. It is XXXX XXXX XXXX, I do not have my escrow proceeds of {$1200.00} and I do not have my XXXX mortgage payment of {$1400.00}. XXXX XXXX did NOT pay my real estate taxes to the town of XXXX, NH. Ditech owes me {$2700.00}. I have spoken with XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and today, XXXX XXXX XXXX. XXXX XXXX maintains the United States Postal Service lost the two checks. I asked them to wire the funds and volunteered to pay the wire fee. Today XXXX XXXXXXXX said they could not wire me my money, and that they sent replacement checks on XXXX XXXX XXXX. I wired them the payoff funds per their request on XXXX XXXX XXXX. I want my money returned to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, I am contacting you in regards to a complaint you've been assisting me with, the details : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021. 
I would like to ask for your assistance because the complaint I submitted was never resolved. On XXXX, 2021, Synchrony bank responded to the concerns ( raised by cfpb ), and stated : " Based upon you notifying Synchrony Bank that you did not authorize this credit application ; an electronic request has been sent to the major credit bureaus to have this inquiry deleted. Please note, the credit bureaus may require up to 60 days to complete this action. '' Unfortunately, the inquiry has never been deleted and my credit report and score are affected by Synchrony Bank 's misleading actions.
Product: Credit reporting or other personal consumer reports

unfortunately, I am a victim of XXXX XXXX  of XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling and complaining about 6 inquiries on my credit report that XXXX  is reporting : As a last resort since they were not listening to me I filed disputes online. My Dispute # XXXX. 
These same inquires were shown on the other 2 bureaus as well they investigated and then removed. I have reached out to each individual company with no answers or voicemail with no return call. I have reached back out to XXXX  to let them know my findings. They told me the only way I will get removed is to wait until they fall off my credit report. This is unacceptable for me I can't wait until the middle of 2020 to remove something that does not belong to me. Also, it is affecting my credit and trying to apply for a job is hard when you have these kinds of thing bringing your scores down.
Product: Checking or savings account

I booked a trip to XXXX, XXXX on the XXXX  website. I made three payments, the first payment was on XX/XX/2020 in the amount of {$190.00} ( BB & T checking account ). The second payment was made on XX/XX/2020 in the amount of {$430.00} ( BB & T checking account ). The third payment was made XX/XX/2020 in the amount of {$430.00} ( XXXX XXXX credit card ). Due to the Covid 19 pandemic XXXX cancelled the reservation on XX/XX/2020. I contacted BB & T and XXXX XXXX XXXX  to file a claim so that my money could be refunded. I attached the e-mail from the XXXX site stating that they cancelled the reservation due to the Covid 19 pandemic. BB & T and XXXX XXXX denied my claim and told me that I would have to dispute the claim directly with XXXX I have tried to reach XXXX via telephone ( XXXX ) and the website but neither has worked. How am I supposed to dispute something with a company that I can not contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHTS TO PRIVACY.15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACOUNT WITHOUT MY WRITTEN INSTRUCTIONS. XXXX XXXX XXXX {$270.00} DATE OPENED XX/XX/XXXX, XXXX XXXX XXXX UTILITES DATE OPENED XX/XX/XXXX, {$1700.00}, XXXX {$310.00} DATE OPENED XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX DATE OPENED XX/XX/XXXX, {$1400.00} ALL MY ACCOUNTS ON MY REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, FACTUAL DATA add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX. XXXX, XXXX, XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was charged on my credit report, For unpaid bill to XXXX XXXX XXXX, I dont even have a account with them, never have ... .. 
Called reporting agency MRS BPO , LLC. No help at all, if anything very rude!! 
was told need to file police report, and then they will talk to me ... or I could settle with them now ... .Call my police dept. for needed report, they said i should call XXXX XXXX XXXX to verify claim against me first .... I called XXXX XXXX XXXX and was able to prove myself, and is a case of thief identity, Two weeks later, XXXX XXXX XXXX claims it will take 60-90 days to remove from my credit!!!

Number 1 XXXX XXXX XXXX should not have issued XXXX worth of credit without any varication.

It was harder for me to prove my self, then was for someone to get product, in my name!!! 
what about my time in all this XXXX This whole process is a sham.. only the innocents are guilty ... .very little help from anyone ... total rip off!!!