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 ACCOUNT HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A.STATE I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

15.U.S.C .1681C. ( A ) ( 5 ) SECTION STATE : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEM OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTION 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 CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

REMOVE/DELETE OFF OF MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX BANK XXXX XX/XX/XXXX {$2400.00} XXXX contacted all three credit bureaus, Experian, XXXX and XXXX and XXXX an identity theft report. 

XXXX  XXXX XXXX XX/XX/XXXX {$10000.00} XXXX contacted all three credit bureaus, Experian, XXXX and XXXX and submitted an identity theft report. 

XXXX XXXX  XX/XX/XXXX {$5200.00} XXXX contacted all three credit bureaus, Experian, XXXX and XXXX and submitted an identity theft report. 

XXXX XXXX XXXX XX/XX/XXXX. I contacted all three credit bureaus, Experian, XXXX and XXXX and submitted an identity theft report. 

XXXX XXXX XXXXXX/XX/XXXX {$45000.00} XXXX contacted all three credit bureaus, Experian, XXXX and XXXX and submitted an identity theft report. 

XXXX XXXX  XX/XX/XXXX {$7200.00} XXXX contacted all three credit bureaus, Experian, XXXX and XXXX and submitted an identity theft report. 


A HOST OF INQUIRIES ALSO I contacted all three credit bureaus, Experian, XXXX and XXXX and submitted an identity theft report. ] 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 XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO I ASKED THEM SEVERAL TIMES TO REMOVE ANYNNAME THAT IS NOT XXXX XXXX AND THE ONLY ADDRESS SHOULD BE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Synergetic communication in XXXX, tx has put my credit as charge off/ collection. 
I have never made an agreement or signed anything with this debt collection. 
I strongly recommend to get this off my credit profile due to federal consumer laws. 
Thank you
Product: Credit reporting or other personal consumer reports

My credit report is reporting inaccurately with a account that does not belong to me XXXX XXXX and some late payments that I wasn't late on.
Product: Debt collection

.What address were the Validation notices mailed to? 
What is the address for for legal department? 

What information was verified between you and your client? Can you forward me that correspondence to my mailing address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. 

I have never received letters nor heard of you or you client prior to the inaccurate reporting and every time I've called the company it was standard evasion tactics used..
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to or benefit from the following information XXXX, Equifax, & XXXX listed on my consumer report, block or remove the following account XXXX XXXX XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed your are civilly liable for reporting the information and its also inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX have been trying to pull my Equifax credit report for over a week now starting on XX/XX/2019 an I have been calling them for over a week and we can not get this problem resolved please help me. They keep telling me there is nothing wrong with my file.
Product: Credit card

Formal Complaint Regarding Unfair Practices and Late Payments on Credit Report Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX BANK OF AMERICA Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Dates reporting LATE PAYMENT XX/XX/XXXX., XX/XX/XXXX I am writing to file a formal complaint against Bank of America regarding what I believe to be unfair and questionable practices that have negatively impacted my credit report. 

Recently, I discovered XXXX late payments on my credit report related to a credit card with Bank of America. This situation arose due to the imposition of an annual fee without proper notification, leading to unexpected charges and subsequent late payments. It is important to note that I have a credit card with Bank of America that I rarely use and has never incurred any fees in the past. 

This is the XXXX  time such an incident has occurred, and I find it deeply concerning that Bank of America implemented a yearly fee without providing me with adequate notice. This lack of transparency and failure to inform me of changes to my account resulted in unexpected charges and, subsequently, late payments being reported on my credit history. 

I believe this practice is not only unfair but also raises questions about the ethical standards employed by Bank of America. I am seeking your assistance in holding them accountable for their actions and rectifying the negative impact on my credit report. 

I kindly request that the CFPB investigates this matter thoroughly and takes appropriate action to ensure that consumers are protected from such unjust practices. Your intervention is crucial to maintaining fairness and transparency in the financial industry.
Product: Credit reporting or other personal consumer reports

XXXX XXXX writing to formally request an investigation into and the removal of an unauthorized hard XXXX  on my credit report. I recently discovered this XXXX  on XX/XX/XXXX when reviewing my credit report, and it has come to my attention that I did not provide consent for such an XXXX  to be conducted. 

Below are the details of the unauthorized hard XXXX  : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Type : Hard XXXX  I would like to emphasize that I did not authorize XXXX  entity to make a hard XXXX  on my credit report at the specified date. I am concerned about the potential impact of this unauthorized XXXX  on my XXXX XXXX and overall XXXX.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and reported it to the XXXX XXXX - XXXX, AL XXXX and file a police report. I received a threaten text message that the person has my DL, SSN, DOB and will post it to the Dark Web and they did. I have received 4 personal denial letter of person applying for loan and created an account with Social Security and the required code was sent to my phone. This alerted me that they created an account on XX/XX/. XXXX sent me a letter to give me a code to use but I didn't do it because I didn't request the account. I know my personal information has been in a lot of breach cases and I've contacted all 3 credit bureau. A lot of discrepancies are reported on each bureau report that needs to be corrected.
Product: Credit reporting or other personal consumer reports

Santander Consumer are deceitful liars. They said that they contacted the insurance company and that the insurance company said I did not have insurance that information is a total lie. I am submitting proof that the insurance company tried to get the bill of sale I also attempted to get the bill of sale for the insurance claim but Santander never provided it. I tried numerous times to get this information from them so I could give it to the insurance company even though they were listed as the lien holder and they could have got it from the insurance company directly. This was not my responsibility. I recently disputed this with CFPB and the case was closed I have new information so please reopen it and reverse the decision.
Product: Credit reporting or other personal consumer reports

discover states account was charged off for {$4200.00} on XX/XX/XXXX disreguarding a lup sum payment of {$4000.00} made XX/XX/XXXX, data reporter refuses to list the payment in credit report after more than XXXX disputes filed thru XXXX reporting service. copy of receipt for the {$4000.00} payment was downloaded with dispute, yet file has not been corrected as of XX/XX/XXXX results of dispute have not changed since first fileing dispute XX/XX/XXXX, Data reporter still states {$4200.00} write of knowing that is incorrect write of amount as of XX/XX/XXXX is {$190.00} that will be paid XXXX  credit for the {$4000.00} payment is listed and dispute is corrected or file removed for being incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my XXXX XXXX  auto loan in XX/XX/XXXX. 
This event caused my Equifax FICO score to go down XXXX XXXX. My XXXX  FICO score to go down XXXX XXXX. My XXXX FICO score to go down XXXX XXXX. 
How long will Fair Issac Company be allowed sell a product that is unexplained, unbelievable, contrary to common sense, and damaging to ALL Americans. 
Equifax, XXXX, and XXXX are all partners in this fraud. 
Please use your authority to fix this XXXX on the country.
Product: Credit reporting or other personal consumer reports

I recently discovered that I have been compromised by credit and internet accounts were opened without my consent.
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. ( FCRA 605B ( a ) 15 U.S.C 1681c-2 ) XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Nor was I ever in contract with the company you furnished on my consumer report : XXXX XXXX XXXX XXXX That needs to be blocked and deleted in conjunction with ( FCRA 605B ( a ) 15 U.S.C 1681c-2 ).
Product: Debt collection

ATTENTION : XXXX, XXXX AND XXXX DISPUTE DEPARTMENT To whom it may concern, According to FCRA section 605b anything legal to report any information on my credit report without my permission. Please remove this item from my credit report, thank you. 

I expect a timely response from the credit bureau regarding my dispute. Thank you for your prompt attention to this matter. Please/ update the above accounts as quickly as possible.
Product: Checking or savings account

This is a follow up complaint to the previous case # XXXX submitted on XX/XX/XXXXXX/XX/XXXX as the issue has still not been resolved. 
Here is the overview of the situation : $ XXXX wire transfer stuck after Citi account closure Need urgent resolution. On XX/XX/XXXX, I received $ XXXX into my Citi checking account as a help with an urgent situation. Fortunately, I did not need the money and tried to return it back to my friend 's XXXX account. However, upon trying to do that Citi bank closed my account without providing any reasons and returned only a fraction of the amount left in the account upon its closure. 
Key events : - On XX/XX/XXXX, Citi sent a letter confirming that the account would be closed without explanation. - On XX/XX/XXXX, I opened an exec team request to return the remaining balance. - On XX/XX/XXXX, Citi sent a check but it was missing the $ XXXX. - On XX/XX/XXXX, per Citi directions a wire transfer recall request was submitted from XXXX to Citi. After that Citi verified that I was willing to return the money. However, after all the due diligence Citi was still not returning the funds. - On XX/XX/XXXX I submitted a complain through CBPB on this matter. - On XX/XX/XXXX Citi responded with the official letter requesting hold harmless letter from XXXX. - In XXXX XXXX provided the hold harmless letter to Citi as per their request. However, despite multiple follow-ups with both banks Citi is still holding the funds without any details on the process, timelines, and next steps. 
Happy to provide wire transfer confirmation, account statement, and other details upon request.
Product: Checking or savings account

On XX/XX/2022, I rented a rental car from XXXX in XXXX, XXXX and was charged {$4600.00} for a XXXX rental. When I tried to dispute the charges, XXXX XXXX claimed that they informed be of the price beforehand and did not allocate a refund. Furthermore, when I contacted my bank, Wells Fargo, they initially sent me a credit reversal to cover the extraneous charges, however, after a few months, they debited the same amount from my account leaving me overdrawn. In my opinion, Wells Fargo did not do a comprehensible investigation and has sided with the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false bankruptcy to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the XXXX XXXX XXXX XXXX XXXX, has been violated. 

Despite two written requests to Experian, the unverified bankruptcy still remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they verified that these items are being reported correctly? I asked them over and over again who verified this bankruptcy? They have NOT provided me a copy of ANY original documentation as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not be verified. 

I reached out to the US Bankruptcy court they told me in writing they do not give Experian any information regarding bankruptcies. US Bankruptcy Court would be the original creditor. Experian is committing fraud against me. I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). Experian is not exercising their grave responsibility with respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Experian before furnishing it. This alleged bankruptcy was removed from XXXX, XXXX, and XXXX. Experian is the only one who is committing fraud against me despite my reinvestigation. 

Experian refuses to say what company they are getting this bankruptcy from they just keep saying " verified ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX. {$72000.00}
Product: Checking or savings account

2018 I was hacked and money was stolen out of my checking account. they returned the money then took it out again and overdrafted my account they took back 1 over draft fee and I had to pay back hundreds more.
Product: Credit reporting or other personal consumer reports

This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT XXXX. XXXX. XXXX. XXXX. XXXX. XXXX. This accounts were not verify as required by law on my consumer report. 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity. 
XXXX XXXX XXXX XXXX XXXX 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 ) This are theft and was not initiated by me. I demand they are DELETED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I submitted a QWR to Nationstar. 
The response that I received was not complete, nor was it timely, and does not comply with the required rules and regulations regarding information request. 
They are vague, condescending and untruthful in their response. 
They chose not to provide proof that they are the authorized tender to my loan.
Product: Credit reporting or other personal consumer reports

See the attached document ( s ) /letter.

16 CFR 313. Privacy of Consumer Financial Information ; 16 CFR 313.1 Purpose and Scope ; 16 CFR 313.7 Forms of Opt-Out Notice to Consumers ; Opt-out methods; 16 CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

16 CFR 433.3 Exemption of sellers taking or receiving open-end consumer credit contracts before XX/XX/1977 from requirements of 433.2 ( a ).

16 CFR 444.2 Unfair credit practices.

Privacy Act of 1974.
Product: Credit card or prepaid card

Capital One issued a credit card in my name to a fraudulent person who stole my identity. The flexible spending credit card was opened on XX/XX/20. An amount of {$16000.00} was charged. Now, the debt collection agency is after me for this money. All the personal information except my date of birth used to open the credit card seems to be correct.
Product: Credit reporting or other personal consumer reports

I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are reporting incorrectly on my credit report. The accounts are closed due to a consolidation, however the payment history status on the closed loans are only reporting for 4 months. All of the loans are currently reporting on-time payments for XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX instead of ALL of the on-time payment history for the life of the loan. The loans do not have visible loan numbers on my credit report so I will list them by the date each loan was opened and the amount of each loan- to identify the loans I am referring to. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

in accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC. I have the right to privacy and I did not give equifax permission to furnish these accounts. XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX is in Violation of the Fair Credit Reporting Act law. They continue to inaccurately report on my Consumer File. They are reporting to Experian blank entries with no status. This kind of reporting is misleading and inaccurate. Their negative reporting is depriving me of my rights that comes with having good Credit.