23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 

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

There are 9 accounts on my credit report that DO NOT BELONG TO ME!!!! I have never seen these accounts applied or used them I need them off my credit report ASAP!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number XXXX XXXX
Product: Money transfer, virtual currency, or money service

When I go to link money transfer accounts such as XXXX or XXXX to PNC, it will not authorize it. On top of this, there is no way to unauthorized it by proving it is you that is doing it
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX in the amount of {$720.00}. a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX in the amount of {$530.00}. a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$1600.00}. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX in the amount of {$430.00}. A personal credit card account opened at XXXX on XX/XX/XXXX in the amount of {$720.00}. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX in the amount of {$0.00}. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX in the amount of {$0.00}. A personal credit card account opened at XXXX on XX/XX/XXXX in the amount of XXXX. A mobile account at XXXX XXXX on XX/XX/XXXX in the amount of {$990.00}. A mobile account at XXXX XXXX on XX/XX/XXXX in the amount of {$1900.00}. a account at XXXX XXXX XXXX opened on XX/XX/XXXX in the amount of {$240.00}, a personal credit card account at XXXX XXXX opened on XX/XX/XXXX in the amount of {$0.00}. a personal credit card account opened with XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$230.00}. a account with XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$9500.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX, XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on my file i see inaccurate information on my report showing nevagtive items that needs to be removed. 

these accpunts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) in general Subject to subsection ) c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) Inaccordance with the writtne instruction of the consumerto whom is relates. I NEVER GAVE ANY CONSUME REPORTING AGENCY WRITTEN CONSENT to report anything on my consumer report which violated my rights as a federal protected consumer.

15 U.S CODE 1681c- 2 a consumer reporting agency shall block the reporting ofanyinformation in the file of a consumer that the consumer identiflies as information that result from an alleged identify theft, not later than 4 business days after date of receipt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice intent to sue due to defamation of my character publication of information inaccurate negative items on my consumer report. I have been Identified by state denied credit. Remarks negative impacting my reputation, Publish information is Demonstably False and Credit Bearues are at fault. 

Notice Intent to sue due to Violation of my rights 15 U.S. Code 1681s ( 2 ) ( b ) Failing the requiment to delete inaccurate reporting after reinvestigation, which congress designated with private cause of Action. 

Account XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 XXXXXX/XX/XXXX phone numer : XXXX Phone Number : XXXX Job I dont not work for and never have been associate with XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of my numerous attempts to alert credit bureaus to the fact that I have been the victim of identity theft and that I wish to inquire about specific data in my files that were obtained as a result of the crime. The paperwork I'm looking at has nothing to do with any purchases of goods, services, or cash that I've made or given the go-ahead for. Remove any information from my credit report that was allegedly obtained by fraud or extortion, assuming no one is looking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments or was placed as charged off on several accounts that I was never late for. 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 these accounts nor they are charged off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that the fraudulent accounts and inquiries listed below be blocked and permanently removed from my credit file. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX reference number : XXXX Amount dispute XXXX. I demand under FCRA : section 604 : 1. Permissible purpose. 2. My written authorization. Immediately remove that account above from reporting to credit bureaus because you're causing defamation of my character. I will be forced to take legal actions against you. I will have no choice but to reach out to local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 15 U.S.C 1681 section 2. 15 U.S.C 1681c. ( a ) ( 5 )
Product: Money transfer, virtual currency, or money service

Im customer a chase bank! I send {$400.00} to my friend to XXXXwith  XXXX The money went a totally different phone # I lost my money I went to my local chase bank on XXXX XXXX in XXXX XXXX XXXX I filed a complete and they tell me to give them 7 or 10 business days and 15 business days I call chase and the answer I got Im sorry you lost your $ XXXXdollars. I went back to chase on XXXX XXXX in XXXX XXXX! Same answer Sorry nothing I cant do you lost yours {$400.00} dollar!!!!
Product: Debt collection

Bank of America is violating my rights by placing a fraudulent account on my credit report. I am a victim of identity theft and I will file a lawsuit against Bank of America if they do not remove this fraudulent account from my XXXX  and XXXX  credit report. 

Someone opened this fraudulent account in my name without my permission. Please remove and delete immediately : 1. Bank Of America Account # : XXXX
Product: Debt collection

I respectfully ask that the CFPB supervise my dispute with this debt collector. 

On XX/XX/2020 I received a letter from Bernhardt & Strawer regarding an alleged debt. In response, I sent a certified letter ( rec'd/signed for on XX/XX/2020 ) stating no agreement would be considered as my position had been stated clearly in previous communication with their alleged client. However, I presented my position in the same manner and requested evidence that Bernhardt & Strawser, P.A. has legal standing to collect on this alleged debt. In a letter dated XX/XX/2020 they failed to comply with this request, instead sent unauthenticated computerized copied billing statements along with generic terms and conditions. 

On XX/XX/2020 I sent another certified letter ( rec'd/signed for on XX/XX/2020 ) advising how their claim would not be considered because they cant demand monies for an alleged debt for which no proof of ownership has been verified or exhibited. 

In response, Bernhardt & Strawer sent another letter dated XX/XX/2020 with the same information as their XX/XX/2020 letter ; along with the same unauthenticated computerized copied billing statements and generic terms and conditions.
Product: Payday loan, title loan, or personal loan

Never The application before their system timed out when I went back in to login it had a denial for {$200.00} loan that I did not request I spoke with someone at the company does telling me they dont know how to fix it the system was asking me for baking information I never submitted the application so how can they go forward
Product: Credit reporting or other personal consumer reports

inquires all need tom be removed from my credit profile it is hindering my ability to work. also false info.

15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts ( a ) One-call fraud alerts ( 1 ) Initial alerts Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a consumer reporting agency described in section 1681a ( p ) of this title that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, for a period of not less than 1 year, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose ; and ( B ) refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies described in section 1681a ( p ) of this title, in accordance with procedures developed under section 1681s ( f ) of this title. 



XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

XX/XX/XXXX - I signed up for a TD Bank account online as a XXXX  resident. 

XX/XX/XXXX - I add XXXX account as an external transfer source and verified the trial deposit amounts from TD Bank successfully. 

XX/XX/XXXX - I try to make an external transfer to the XXXX account Item # : XXXX  ( redacted ) Amount : {$2500.00} From : TD Bank To : XXXX XXXX XX/XX/XXXX - I call TD Bank to ask why the transfer has not yet gone through ; they inform me that they require me to go into the physical location with proof of ownership of the other account. When I asked why the verification on XX/XX/XXXX was not enough, they were not able to provide a reason. I have moved out of state to XXXX, so I asked if I could go into the TD XXXX instead because there are no local branches. They replied that I needed to go in-person. Therefore, I have no way of getting money out of my TD account.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, WHY DID YOU CLOSED ALL MY COMPLAINTS? PLEASE STOP AND MOVE IT FORWARD. 
CFPB, I am filing this complaint so please don't send me form letter stating someone else did it for me. I have been trying for several months to get this account off from all 3 credit bureaus. There was a vacuum demonstration that I attended conducted by XXXX XXXX XXXX but somehow my credit was pulled without my verbal or written consent. I received the attached letter stating that I was not approved to purchase this overly priced vacuum but somehow this outrageous amount was sent to all 3 credit bureaus as collection. I have not signed anything authorizing a check or any purchase agreement or even receive the vacuum. I am asking for a full validation of this account as its not mine. Under FCRA, I am entitled to such request. Additionally, I need to know what right XXXX XXXX has the right to collect on this account under the Fair Credit and billing act. I believe XXXX XXXX XXXX fraudently submitted an application in my name. Even though it was denied and they continue to bill me for service not rendered. 

Disputed account XXXX XXXX XXXX  Account number XXXX Original creditor : XXXX XXXX XXXX of this account is paid off Balance on XXXX XXXX, 2022 {$4600.00} I am in the process of filling a DOJ and FTC complaint for fraud
Product: Credit reporting or other personal consumer reports

Unauthorized charges were made to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was looking to buy 2 poppies. I found this wedsite online with 2 beautiful puppies at a very good price. The person that I was on contact provided me with flight tickets. I transfer an amount of  {$1400.00} on XX/XX/XXXX. I was told they were going to be deliver the next day at XXXX. Instead I received a new email from the shipping company asking for more money. I used XXXX from my bank account Bank of America I was really disappointed when I call them and the answer I got was there was nothing they could do for me I started searching online and there was a lot of people with bad reviews about the same person I transfer the money to. Its unbelievable that some many people complained about the same person XXXX XXXX with the same bank information and that person still have a bank account access. 

I save for a long time with so many sacrifices to get my daughter a puppy and its really sad that someone took an advantage of that. And that the bank that I been customer for years couldnt do anything about it. 

Thank you
Product: Credit card or prepaid card

on XX/XX/XXXX my online Navy Federal bank account was compromised through a trojan virus where several fraudulent activities were made on my account. 

First I have two credit cards with this bank that you can manage through the online banking cash advances were made on both cards one for XXXX and another for XXXX these were both transferred to my checking account where a XXXX ach transaction was made taking a addition XXXX dollars from my checking account. 

I immediately contacted the bank the same day where they reported them as fraud and tried to put a hold on the ach transaction, this hold did not go through and the funds were transferred. I found the virus most likely responsible which is known to steal financial information and is able to install remote access on the infected pc. Weeks later they contacted me and told me that my claim was denied. I sent a appeal which I was never contacted for and they said it could take months to get a decision on. I recently called to learn I was again denied
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : Dispute of Collections Account # XXXX. 

Dear Sir/Madam, I am writing to formally dispute the collections account listed on my credit report under the account number referenced above. Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable.I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus. Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collections account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately.I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response. I would also like to see that original creditor has not been paid off said debt because if said debt is paid off I am not required to pay a collections company in which I have no contract with. 


Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX refused to accept any payments. They redirected me to XXXX XXXX. I paid the debt in full and have requested XXXX and Experian remove the negative remark from my credit report. None of the XXXX have responded. XXXX is reporting a bad, charged off account which is inaccurate and unlawful. Please respond to my request expeditiously as I have been attempting to settle this for over XXXX months without any results.
Product: Credit reporting

they re fuse to re move new York state of my credit report .that act ben pay off long time a go and they stil re porting it as I hold yhem money.
Product: Debt collection

Exeter finance continues to contact me regarding someone else 's debt even after being repeatedly told that I am not the person. 

The person they are looking for is XXXX XXXX. XXXX is a former resident of a home I purchased. There is no association between me and XXXX. I do not have contact with this person. Exeter should not be contacting me simply because my name is associated with that address.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX NO XXXXX Balance {$XXXX}, XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX I do not recognize these transactions credit was pulled multiple times when it should be pulled once by some institutions
Product: Credit reporting or other personal consumer reports

My credit report shows accounts I didnt authorize or recognize. Please remove and prevent these fraudulent listings.