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

THE ACCOUNT WAS OPENED WITHOUT MY CONSENT AND WAS DONE THROUGH DATA BREACH AND THE AMOUNT IS {$37000.00}. I ASKED AN INVESTIGATION AND PROPER VALIDATION DETAILS AS REQUIRED 12 CFR 1006.34 ( B ) ( 5 ). DESPITE THIS, THEY VE ADDED A CHARGED OFF TO MY REPORT. I VE ALREADY TRIED TO RESOLVE THESE ISSUES DIRECTLY WITH THEM, BUT THEY CONTINUE TO VIOLATE MY RIGHTS. FOR EACH VIOLATION LISTED. I AM ENTITLED TO {$1000.00}. THEY MUST EITHER COMPENSATE ME OR REMOVE THESE ACCOUNTS IMMEDIATELY. THE COMPANY ARE AND AMOUNT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE TOTAL IS {$37.00}, XXXX THAT ARE IN CHARGED OFF OR COLLECTIONS WITH THE 3 CREDIT BUREAU.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is displaying a balance of XXXX XXXX on my credit reports but when i log into the site my balance is XXXX AND WHEN i call on the phone i have no balance. the last update i saw for XXXX XXXX was XX/XX/XXXX and it shows i have a balance of XXXX XXXX on all my reports. This has been this way for months, this unacceptable and false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I submitted an written letter XXXX sent certified ) dispute with TransUnion and XXXX  concerning Personal Identifying Information missing on my Credit Report / Public Records/ Tax lien ( 2 separate state tax liens ). The only option that fit my situation to file this complaint was listed under 'not mine '. Regardless, the information on my credit report /public records does not include the following : Legal name, DOB, Social Security number or address. They 're-verified ' that the information is correct without conducting a reasonable investigation ( FCRA ),  instead chose to utilize the XXXX system again ( this is not the first time I have contacted them to update or delete these liens ). There is a major problem with this method they have chosen, because I am have placed a security freeze on every data mining company available, including systems XXXX. ( See attached docs with written verification from each company ). The personal information they are providing does not meet the requirements per FACTA.They do not have or can not produce the original records showing these liens in fact belong to me. 
My county courthouse does not provide this information and neither does the CA Department of  Revenue, but Transunion and XXXX employees are telling me that they contacted the courthouse and the clerk of court provided the information. That is not true, and if need be I can get the clerk of court to provide a written statement to the contrary. I have spoken to both XXXX XXXX XXXX and Sacramento County 's Recorder Office and they have stated that they do not report directly to the credit bureaus, nor do they know how the information is obtained and placed in the credit reports. ( please refer to my documents from both county recorder 's offices stating as such in writing ). The credit bureaus do openly admit willful non-compliance by not following the law, but they do n't call it that. Also, they will not tell me what 'Method of Verification ' is being used per FCRA sec. 611, only that a vendor has 'verified ' the information. I am having the same issue with both TRANSUNION AND XXXX. I have contacted each agency listed above at least 5-6 times by certified letters, email disputes and phone calls, yet nothing changes. The lack of personal identification is continually being 'verified ' as accurate buy unknown, secret sources through the internet without any proof. I am providing proof of dispute and the 'Official public records ' in question. This document clearly does not contain the required information, only the name of a person is provided. I am not the only person with this name. So, how can the remaining information be verified if the official document does n't contain : address, social security number, or date of birth? It can not ... and they have continuously lied about it!
Product: Credit card

Dear CFPB, I'm XXXX XXXX. I'm reaching out to file a complaint against Truist Bank. I've been a member of Truist since XXXX and have a joint credit account with my wife XXXX XXXX. On XXXX, my was wife 's credit card was used to initiate a bevy of transactions for a total of {$410.00}. The charges occurred at various merchants such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Nor did my wife or I authorize any of these transactions. We contacted Truist to report the charges immediately on XXXX. The charges were initially reversed on that day and deemed as fraud, however subsequently an investigation ensued and the charges were reinstated. Truist is refusing to reopen my claim, accept my proof of residency or police report, and specify why the declined my claim. I'm reaching out for assistance in retrieving the money that was stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Litigation pending with my attorney and possible class action lawsuit along with the one already existing regard numerous violations with this bureau, INCLUDING PERSONAL INFORMATION BREACH.. .This complaint is regarding existing current complaint with CFPB displayed with attached items BELOW! 
Report number displayed from where items were deleted. I have fraud alerts on each bureau. Besides third party vendor reports. Please prove legal in writing BY WAY OF MAIL THE validation of these debts that DO NOT BELONG TO ME OR REREMOVE THEM OR I WILL SEE THEM AND BUREAU REPRESENTATIVEs IN COURT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

I received an email from First Tech Federal Credit Union ( XX/XX/2022 ) that I opened a banking account with them, but I never did. I recently received information in the mail ( XX/XX/2022 ) about opening an account and financing my loans and that they have deposited {$5.00} in my account. I have never contacted them about anything regarding opening an account. I have tried calling them, but they still did not close my account, stating that I would have to call during regular hours.
Product: Checking or savings account

We opened an account ( Spending account ) with Ally after receiving a promotional offer. The promotion specified opening an account, funding with {$1500.00} or more and the account owner would receive {$200.00} in 30 days. I've fulfilled the promotion but there has been no promotion credit. Upon contacting Ally customer support and speaking with various supervisors in the past XXXX weeks, I was told the back office would honor the promotion. Yet, there is no time frame and there has not been any credit in my account as of today. I would like Ally to honor the promotion and deposit the promised bonus in my account so we can move on. I have screenshots of the promotional code as well as the application attached to this complaint. 

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

I've already called several times and written several letters, to Experian, Explaining to themand sending proof that they have incorrect names and addresses on my credit report. 

They have responded they continue to leave it not because they are suppose to make sure everything on my report is 100 % accurate but because someone told them it was correct. 

I am not a XXXX. My Father name is XXXX XXXX XXXX I have never been a XXXX, period. I shouldn't have to fight and beg with a company over what MY name is. My name is XXXX XXXX XXXX. Anything other than that needs to be removed from my credit report. 

There is an incorrect fraud/identity theft address on my report. 
I live at XXXX XXXX XXXX XXXX XXXX, Fl XXXX Any other address on my report is not mine have never been mine that is fraud and please remove. 

I'm attaching my id with my correct name and correct address. Anything outside of that please remove, because you are upholding fraud and identity theft if you do not. 


I have file number XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : XXXX. Name : My current legal name is XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX request that my name be updated to reflect the correct information. 

XXXX. Date of Birth : The date listed on my credit report, XXXX, is listed incorrectly. I request that my Date of Birth, XX/XX/year>, be updated. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license and social displaying my correct name and Date Of Birth.
Product: Debt collection

Lineberger Goggen Blair & Sampson, LLP Have sent me repeated letters in the past of a debt, I do not owe. It was agreed that I send a check for the violations and admin fees would be waived. I did this!!!
Product: Credit reporting or other personal consumer reports

Law code 15 U.S.C. & 1681 What is the 15 USC 1681 N law?

Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone else tried to open 3 credit cards so far and they are denied due to my credit score. I've reached out to banks and credit companies The banks are bank of america XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balanced {$39.00} XXXX XXXXXXXX Balanced {$26000.00} XXXX XXXXXXXX Balanced {$29000.00} XXXX XXXX XXXX Balanced {$0.00} XXXX  XXXX Balanced {$0.00}
Product: Credit card

Navy Federal Credit Union is Reporting an Authorized User File on my Account, both myself and the Original Owner have asked for me to be removed, XXXX is stating that the information is accurate, however, I am not the owner of this account, it is showing late payments and affecting my credit. Just as the other bureaus have removed this from my file, I expect XXXX to remove it as well.
Product: Credit reporting or other personal consumer reports

I have sent certified mail to Experian XXXX and XXXX with documents support my dispute. They have violated my consumer rights,. 
They have not removed the accounts from my credit report and i am demanding them to do so.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you in violations of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!!

These accounts should not be furnished on my consumer reports they in violations Under, 15 U.S Cod e 1681b Permissible purpose of consumer reports ( a ) IN GENERAL ACT following circumstance and no other : ( 2 ) In accordance with the WRITTEN INSTRUCYTION of the consumer to whom it relates. I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights a s a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed Immediately.
Product: Credit reporting

XXXX XXXX XXXX has a credit card balance on my profile that is not mine. it was a closed credit card of my relatives that i had a authorized card. however i asked that the account be closed and to take the card off my profile since i am not the master owner of the card. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer, I am hereby expressing my right to privacy and this an OPT OUT NOTICE per 12 CFR 1016.7. I am now opting out and rescinding any and ALL authorization, I the consumer may have given you. I mean ANY and all consent whether it be written, unwritten, verbal, implied, and non verbal is revoked per 15 USC 6802.

Per the FCRA 1681b ( a ) states that " In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates '' Therefor any furnisher of information to credit agencies and the consumer reporting agencies do not have my consent to furnish this information, and they surely do not have my written consent.

According to the Privacy Act of 1974, the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, " NO AGENCY shall DISCLOSE any record which is contained in a system of records by any means of communication to any person or to any agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. You have violated both the FCRA and also the Privacy Act of 1974 Per the FCRA 15 USC 1681a ( 2 ) Exclusions, a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Therefore REPORTING transaction history is illegal.

Please comply with my DEMAND regarding the removal of the account immediately, being that you have continued to violate my rights as Consumer. I have suffered mentally and emotionally. This is not my first complaint. You have a full understanding of the violations. You are aware you are breaking the law. Immediate action will take place Per the FCRA 15 U.S. Code 1681n for willful noncompliance.
Product: Credit reporting or other personal consumer reports

I want that these account be removed because the payment history reflects continued reporting a charge off after this account was closed.this represent an improper use of my crdito report. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DE XXXX Subject : Demand for Arbitration Dear XXXXXXXX XXXX , I am writing to formally demand arbitration regarding the dispute related to CONTRACT, billing errors under the terms of our contract ( balance owed and reported ) INACCURATE Date of Last Activity : XXXX XXXX. In accordance with the arbitration clause detailed in our agreement, I propose initiating the arbitration process to amicably resolve this issue. 
Please acknowledge this letter and inform me about the next steps in accordance with our agreement and applicable laws. Failure to respond within 14 DAYS will compel me to seek further legal action. 
I look forward to a prompt resolution. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

Hi, I am the mortgage holder of the home property at XXXX XXXX XXXX California where I lived between XXXX. The mortgage was transferred under my name when modifications were done to fit government federal rules on home mortgages. 

I was awarded Wells Fargo XXXX ( reward ), a special program which allows talented high school students to be awarded a home mortgage. 

Now, about thirty years later, the bank has been postponing in notifying about the current status of the home mortgage. I have been sending frequent communication to the Wells Fargo home loan department without getting an answer.

I urgently request that you investigate this matter as I have been told by many neighbors that this could be a scam. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled chapter XXXX Bankruptcy in XX/XX/XXXX and it was Discharged XX/XX/XXXX. 

I have been advised by my bk lawyer, that to review my report That all account included in the bankruptcy is to show the following. 
Discharged in Bankruptcy, included in Bankruptcy, or Bankruptcy Balance must show XXXX Account must be listed as closed A no negative late payments can be showed except for bankruptcy. 

The question of have is, I have one account that was included in Bankruptcy and was discharged, Closed and balance is XXXX. 

Two credit bureaus that provided XXXX XXXX my report, this this one account under COLLECTIONS, but it does state Discharged and not under the closed file. 

Is this legal, I have reach out, to the two credit bureaus, XXXX XXXX and no one has replied on this issue or fixed it. 

If this account was included in my bankruptcy and discharged it should not be under collections. 

Can you advise if this is correct and if I should file a complaint. 
I under the Bankruptcy will stay on my credit report for 10 years, but not the collections and I am getting various answer. 

Please advise. 

Thank you
Product: Payday loan, title loan, or personal loan

I don't understand how I'm making the same payments every month and different amounts are applied to the Principal. 
My balance in XXXX was {$1000.00} - after a payment of {$170.00}. {$110.00} went to XXXX  & {$62.00} went to the Principal. 

XXXX a payment of {$190.00} - {$110.00} went to Interest & {$78.00} went to the Principal. 

XXXX a payment of {$190.00} - {$170.00} went to Interest & {$20.00} went to the Principal. 

XXXX a payment of {$190.00} - {$190.00} went to Interest & {$.00} went to the Principal. 
My balance today is {$1000.00} after making XXXX payments of {$190.00}. 

**They are charging way too much Interest. {$190.00} and ONLY XXXX cents is subtracted from the loan amount. This should be against the law. 99 % INTEREST. ** Cash XXXX KNEW that I get paid from Social Security XXXX on the XXXX of EVERY month because they ask for verification of income. And every XXXX of the month, they have taken out the payments. 

If they thought I wasn't able to payback the loan on THEIR Terms, they shouldn't have offered the loan. Instead, they add monumental amounts of Interest in an effort to profit - and this should be illegal.
Product: Credit card or prepaid card

I have been getting numerous unknown and mysterious, charges on my Paypal account. I emailed Paypal Credit about the unknown charges on my account on X/XX/17 for I was being victimized but payal Credit Company has ignored all of my emails and complaints. I am being discriminated by Paypal. I am ready to close my account with Paypal for they are not assisting me with these mysterious charges on my account.
Product: Payday loan, title loan, or personal loan

Previous complaint # XXXX Issue with collection, business practices, harassment of XXXX XXXX XXXX XXXX aka Tennessee Quick Cash. For more than two to three years failed to send any accounting of debt. At XXXX, today repossessed vehicle and at XXXX XXXX, agents returned and sat at the end of my driveway even though they had the vehicle. This is the same type of behaviors and actions which have occurred over the last two to three years. It has been reported and complained about numerous times, yet no statements were ever given. Please see attach recordings of actions. They caused disturbances in taking the vehicle.
Product: Credit card or prepaid card

We booked flights with XXXX through American Express Travel using our, at the time, AMEX Platinum card. These were booked as return flights, XXXX has since cancelled the flight there, attempting to separate the legs when they were booked together. 

XXXX are also refusing to provide a timely refund, so we filed a dispute with American Express, who are delaying and refusing to refund the charges, so far because the first, cancelled leg is on XX/XX/XXXX. In the cancellation email, XXXX simply stated it was cancelled. In the AMEX Travel cancellation email sent later, they claimed an airline credit was issued, which is neither wanted nor was it ever requested, plus this contradicts what we were told about a refund on the phone. The XXXX cancellation email was XX/XX/XXXX, the AMEX Travel one was XX/XX/XXXX. 

Tonight, when calling again, they put me on hold then hung up after leaving me there for about 10 minutes.