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

I noticed that there was another unauthorized hard inquires from XXXX on XX/XX/2018 on my XXXX and Equifax credit report that i did not make, i've made several calls to XXXX, XXXX   and Equifax to have this removed and was told they cant remove or dispute hard inquires although they are aware i did not make it. 

I noticed every since i became a member of XXXX and Equifax i get hard inquires and things start to appear on my credit file out of know where as if an employee has stolen my information and using it for there own benefit. 

I did not make this hard inquiry, i was driving from another state when i received the notification ... someone from XXXX, Equifax and XXXX is working together using my info TO OBTAIN CREDIT.
Product: Prepaid card

I received a pre-paid American Express gift card from my parents the first week of XX/XX/year>. After activating the card and confirming the balance ( {$100.00} ), I have attempted to use the card at XXXX XXXX XXXXXXXX, XXXX, XXXX, and XXXX  All stores have declined to accept the payment. Customer service represents at the stores were unable to accept the payment. I also tried to use the card on XXXX. The purchase was denied and I was locked out of my account until I re-verified my account with a different form of purchase. American Express support simply says to use the 4-digit code when making purchases, but no stores systems give me ( or the customer service representatives ) the opportunity to provide the 4-digit code. 

Attempted purchase amounts ranged from {$5.00} to {$100.00} between XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXXXXXX XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA. XXXX XXXX XXXX XXXX XXXX : {$1100.00}
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  XXXX of Inquiry XX/XX/2023, XXXX  XXXX XXXX  Date of Inquiry XX/XX/2023 & XXXX XXXX Date of Inquiry XX/XX/2023
Product: Credit reporting or other personal consumer reports

The entire history of my reports show one account reporting adverse information to all three Credit Agencies of a 30-day late payment in XXXX of XXXX  to XXXX XXXX XXXX I have sent letters from XXXX XXXX to all three agencies and phoned XXXX XXXX about this matter and despite being continuously told that it is resolved, the late payment still tends to reappear and reflect on my report, now on all three bureaus. In the fall of XXXX, a medical day spa merchant had a system error wherein they somehow accidentally recharged their consumers for the tip portion of their service payments - months after the service had occurred. I was unaware of the charge believing myself to have a XXXX balance on a card I rarely used. XXXX XXXXXXXX XXXX emailed apologies to their customers and refunded the charges to their customers. XXXX XXXX agreed to remove the 30-day late as it was a result of the vendor error and mailed me a letter agreeing to such. I in turn mailed copies of this letter to each agency, but it continues to resurface on my credit reporting, now 5 years later.
Product: Checking or savings account

Suddenly my card gets declines last night at XXXX XXXX XXXX no reason why, every transaction since has been declined even though there's more than enough money on the card, started a chat and they stated, " As much as I would like to have a different response for you right now, You are unable to complete this transaction with your Cash App Card. For security purposes, we do not have further information to provide. '' I called them and they said the very same thing and then hung up on me when I asked to speak to a supervisor, isn't this a federal issue if they're not giving my access to my money without reason
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. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX, XXXX. 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX Account number : 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 card or prepaid card

XXXX XXXX.XXXX  - NEW YORK {$260.00} I returned {$170.00} worth of clothing from this purchase on XX/XX/19 to a XXXX XXXX XXXX store in Vermont. The refund was not processed correctly and I did not see the refund posted to my AMEX account. 

After waiting over 5 days for the merchant to refund my money, I filed a dispute with AMEX, provided a copy of the refund receipt, but have not received a temporary credit on my account for the disputed amount while the dispute is being investigated. I'm being held responsible for the full charge while the dispute is being investigated - which I was told could be up to a month, even though I provided written evidence of the receipt for the refund. 

AMEX told me that they will not issue a temporary credit on my account until next month. This is not a permanent refund amount, this is a temporary credit they would issue while they look into the dispute. 

I've gone round and round with AMEX and they still insist on jerking me around - like they have several times in the past few months. STOP TREATING YOUR CUSTOMERS LIKE XXXX! 

I provided the refund receipt - issue me a refund like I deserve!
Product: Credit reporting or other personal consumer reports

Unfortunately, I have noticed some an accurate entries of information found on my consumer report starting with personal information EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove this incorrect information from my credit report Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately.
Product: Checking or savings account

On XX/XX/2018 I transferred {$5500.00} from my Citi Bank checking Acct. to my XXXX XXXX checking Acct. Citi Bank has provided me with a letter ( see attached ) with all the information in regard the funds were transferred successfully ( tracking and reference # s ). Which I provided the letter to XXXX XXXX branch manager and CEO. XXXX XXXX respond was that the funds were never reached them. In the Citi Bank payee details, it shows that the funds were transferred to : XXXX XXXX XXXX, GA XXXX I have visited XXXX XXXX branch several times talking to various staff including the manager, service manager and assistance manager, all them their answers were the funds never reached XXXX XXXX. 
I have spoken with the following staff at Citi Bank : XXXX XXXX Citigold Relationship Manager ( XXXX ) XXXX XXXX XXXX Branch Manager ( XXXX ) XXXX Citi Bank 's respond was that they transferred the funds successfully, is no longer their problem. Being a Citi Bank account holder, I believe is the responsibility of Citi Bank to protect the assets of their account holder, deposits, payments, credit cards and transfers. Citi Bank should have contacted XXXX XXXX to search what happen to the funds. 
I have filed a case against XXXX XXXX as well with the office of the comptroller of the currency, that case # is XXXX. 
Many thanks for your help and finding the funds.
Product: Credit reporting 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 was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an 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 ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair credit Reporting Act XXXX XXXX has Violated My Rights. 
( XXXX- XXXX XXXX XXXX XXXXXXXX ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A 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 : its also states a consumer reporting agency CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

The attempts to validate debt owed on my credit report have gone unanswered, and when I attempted to gain information via the phone, the company could not find an account for me. the company is Global Lending Services
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year XXXX of XXXX my wife and I checking account got hacked. We received multiple unauthorized charges therefore our checking account was automatically frozen by our banks Fraud department. While the account was frozen our monthly automatic mortgage payment unfortunately did not get processed for the month of XXXX. We honestly had no idea the payment did not go through. Our bank eventually reopened our account and our mortgage payments continued to get taken out every month thereafter. Calber home loans never once tried contacting me to notify me that the payment was missed for the month of XXXX. Had we known the payment did not go through, we would have immediately made the payment. We never received any type of contact from Caliber Home Loans, a credit collection agency or anyone saying that the payment was not received. Since the payment didn't go through Caliber Home Loans reported it to the credit bureau every single month until just recently XXXX of XXXX I received a notification from XXXX that I had a hit on my credit report. When I opened XXXX up it showed that my credit had dropped from a XXXX to a XXXX. Caliber Home Loans has completely destroyed my credit and any chance of getting any type of loan. All they had to do was pick up the phone and call me and I would have immediately made the payment that was missed. When I finally found out we had missed a payment we immediately called and made the missed payment. As stated above, we continued to make our monthly Mortgage payments every single month but instead of using that payment for the one that was missed they continued to report us to the credit bureau as late. My wife attempted to call Caliber Home Loans and ask if anything can be done fix it and she was told there is nothing that can be done. When she asked why we were not contacted by anyone, the rep for Caliber sated " we don't have to contact you ''. We have made every single mortgage payment on time our entire lives and honestly had no idea this had happened. This is absolutely wrong for Caliber to do this to someone. A simple phone call or mail would have notified us that the payment was late and we would have immediately made the payment. Still to this day I would not have known the payment was missed if it wasn't for XXXX notifying me that my credit dropped. I have since filed a dispute that was denied by Caliber Home Loans. I have now uploaded proof of Fraud from my bank during the same time the payment was missed. Something needs to be done about this.
Product: Credit reporting or other personal consumer reports

I was hit with two separate hard inquiries from comenityXXXX on the date of XX/XX/year>. This is a mistake as only one inquiry was approved. There is no reason for the same company to run two separate reports on the same day.
Product: Credit card

On approximately XX/XX/year>, I logged on to my USAA account and asked the representative why I wasn't the primary on this account. I wanted to view charges for the month and could not because I was just an authorized user. I was trying to get an additional card so that my wife could have her credit card, and I could have mine. I changed my email address and logged out. The day after my account was flagged and the company requested a photo of my state ID, front and back. I have repeatedly tried calling them to ask why I needed to do that, and they refused to tell me. When I tried logging in, my account was locked. When I tried calling, I just received the message to send copies of my state ID to them. I called from a different number and finally got someone in their security department. I passed several verifications and after they stated that I needed to send a copy of my state ID and wouldn't say anything more. I asked them to remove me from the account and they said no. My wife, who is the account holder, tried to remove me and it was stated that she couldn't until I send a copy of my state ID. I have no intention of doing that. I just want my name off the account at this point. I can pay off the account, like it is paid EVERY month, but I would like my name off the account.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : XXXX XXXX Date fraud began :XXXX Date that I discovered XXXX Total fraudulent amount : {$500.00} Company or Organization : XXXX XXXX XXXX Date fraud began:XXXX Date that I discovered XXXX Total fraudulent amount : {$5300.00} Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/year> Date that I discovered it:XXXX Total fraudulent amount : {$320.00} Company or Organization : XXXX XXXX XXXX Date fraud began:XXXXXXXX Date that I discovered it:XXXX Total fraudulent amount : {$220.00} Pursuant to 18 usc 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15usc 1681b 2 company has also no permission to report Anything using my info pursuant to 15usc 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with the consumer reporting agencies that this account : XXXX XXXX should be removed from my report. This is a medical account that has been reported on my consumer report since XXXX. I have disputed both online and via USPS certified mail as this account has been reported with inaccurate information on all three ( 3 ) of my consumer reports. 

XXXX XXXX sent a letter stating that the account # XXXX, has been canceled by the client, XXXX XXXX, and that XXXX XXXX will be DELETED from all consumer reports within 30 days. That deletion never happened. I have not received any other documentation from XXXX XXXX in regards to this deletion. I have called and got the run around as to why this account wasn't deleted. 

On XX/XX/XXXX I did an online dispute with XXXX at XXXX stating the account : XXXX XXXX should be removed from my report, and the website wasn't allowing me to upload any documents in regards to this matter, as I had a letter from XXXX XXXX stating they were to remove this account from my consumer report. Nothing was done with this account on my consumer report as my dispute was closed. 

On XX/XX/XXXX I did an online dispute with TransUnion at www.transunion.com to have the account : XXXX XXXX removed from my consumer report. The dispute was closed with no change to the report. 

On XX/XX/XXXX I did an online dispute with XXXX at XXXX for the account with XXXX XXXX to be removed from my consumer report. The dispute was closed with no change to my consumer report. 

On XX/XX/XXXX I sent a certified letter # XXXX to XXXX XXXX to to remove the account from my consumer report. No response has come in as of yet, but seeing that they sent me a letter on XX/XX/XXXX stating the deletion of this account from my consumer report. 

On On XX/XX/XXXX I sent a certified letter : XXXX to XXXX in regards to account # : XXXX by XXXX XXXX to be removed from my consumer account. 

On XX/XX/XXXX I sent a certified letter : XXXX to TransUnion in regards to account by XXXX XXXX to be removed from my consumer report. 


On XX/XX/XXXX I sent a certified letter : XXXX to XXXX in regards to the account by XXXX XXXX to be removed from my consumer report. 

Here are the consumer rights that were violated various ways by all of the following companies : XXXX XXXX, XXXX, XXXX, TransUnion. 

According to 15 U.S.C. 1681 Section 602 ( a ) states : I have the right to privacy According to 15 U.S.C 1681 Section 602 ( a ) section 2 states : a consumer reporting agency can not furnish an account without my written permission.

According to 15 U.S.C. 1681 s-2 ( a ) ( i ) states : 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 information is inaccurate.

According to 15 U.S.C. 1681 ( a ) ( 2 ) states : A notification that, if the debt is settled or paid by the consumer or an insurance company before the end of the period described under paragraph ( 1 ) ( A ), the debt may not be reported to a consumer reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several fraudulent accounts and addresses with 14 fraudulent inquiries. I will attach the FTC report with police report and photo of fraudulent inquiries. Listed below are fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXXXXXX - {$1000.00} ) ( XXXX XXXXXXXX XXXX XXXX XXXX - {$380.00} ) ( XXXX, XXXX / XXXX - {$480.00} ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7300.00} ) Closed fraudulent accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ( Please read identity theft report for fraudulent inquiries )
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX