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

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX BANK account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX account # 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX : XX/XX/XXXX EMAIL : XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Accounts Blocking and Deletion Due to Data Breach Dear Equifax Team , XXXX XXXX XXXX XXXX this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 accounts opened, personal loans, and hard inquiries. 
XXXX. XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$1300.00}. 
XXXX. XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$2700.00}. 
XXXX. XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$5300.00}. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX  Date opened XX/XX/XXXX XXXX {$7100.00}. 
This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 
2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate information on my credit report.

These accounts have resulted in several fraudulent hard inquiries and fraudulent credit cards appearing on my consumer FICO 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 fraudulent items. I do not recognize the accounts, credit card accounts or hard inquiries as reported. The accounts, credit card accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, by me, or initiated by me. All the accounts, credit card, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all the consumer credit accounts, and hard inquiries are the result of identity theft, fraud, and Data Breach.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email XXXX Sincerely, XXXX XXXX XXXX : Proof of Identity Supporting Documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent information into the 3 major credit bureaus letting them know that I was a victim of identity theft, I was expecting results according to the FCRA sec 605b concerning victims of the aforementioned, yet to no avail.
Product: Bank account or service

This more to get correct information than a complaint.   I deposited a check from   XXXX   XXXX   in  XXXX  to a  Citibank i n  XXXX  on XX/XX/XXXX .I have accounts in both banks.Was surprised to find on the deposit slip :  Fundsfrom your  transaction will be delayed as shown below    XXXX   a vailable to  day, XXXX   XX/XX/XXXX , XXXX  XX/XX/XXXX ,  XXXX   on  XX/XX/XXXX  and the rest on   XXXX   total checks deposite d /cashed on this day exceeded {$5000.00}.   I thought the regulation was availavle fund is afte  3rd d ay when the check comes from bank in the same city.   There was a FDIC information on the counter that cash is available  one plus bus iness day.   Only answer from the ban k manager wa s this is our policy .When I asked him the FDIC  poster in the b ank he really did not have any answer other than saying bank policy I just would like to know where does the regulation state..
Product: Money transfer, virtual currency, or money service

I had a prepaid money order from XXXX  didnt need it to pay a bill so I wanted to cash it in my name, the company that they use Certigy declined it. So I ask to have my file sent to me, once I received it, the information that declined my money order is totally wrong, never had a check, and never went to XXXX to cash a check as they refer to why they declined the money order, they are wrong in the reason and I would like to why and how they got the wrong info
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a Bankruptcy reporting on my credit file back in XXXX 2017. I advised the information being reported was inaccurate and asked for XXXX to remove the BK. While the dispute was in process, I received an updated credit alert from XXXX showing the BK was removed from my credit file. I also called and spoke with a representative and they verified no longer was there a BK reporting. On XX/XX/XXXX, I received a letter from XXXX with confirmation stating a result from there re investigation stating they verified Public Record Information of a BK with a third party vendor by the name of XXXX Consumer Center. I immediately contacted XXXX to verify what is listed on my consumer file with them and the representative advised they DO NOT SHOW any public records at all on any of my consumer files with them and XXXX could not have verified this information with them. 
XXXX  continue to make illegal updates on my credit file and they continue to report inaccurate information as if they have verified this information and they do not verify as well, as the inquiries on my credit file that, they fail to assist me with disputing the inaccuracy of things being reported on my credit file.
Product: Checking or savings account

Bbva has for the second time erroneously charged my account for NSF FEES. On XXXX my account balance was XXXX I withdrew XXXX afterwards my valence then said I was overdrawn XXXX. That was the last time I used my card. When they processed all of my pending charges. They processed the XXXX first resulting in a XXXX charge for 5 transactions that were from previous days. I spoke with a customer service representative XXXX rep number was XXXX or XXXX Who said he had located the errors and who also stated I was correct.he said he would reverse two of them as a courtesy. This is not acceptable this is intention on the banks behalf to collect fees. I want all the erroneous nsf fees reversed and credited to my account
Product: Credit reporting or other personal consumer reports

I notice unauthorized hard inquiries on my credit report that I would like removed. According to the FCRA SECTION XXXX that unverified and unauthorized items must be removed. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX, XXXX XXXX AND XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX and someone was using my social security number and my dated of birth with a different first name to open accounts and when XXXX XXXX XXXX XXXX XXXX I tried to get a place to stay and found out that someone had identity theft using my information I sent each of the credit reporting agencies a copy of the identity theft report with my ID and my social security number and the only credit reporting agency that would not fix the information is Equifax. I have received the green card from the post office stating that the signed for the information on XX/XX/year> and they keep stating that they never received the information and that they will not correct the information nor will they remove the accounts that are fraud from my credit report. I have tried to work with them and have requested that they allow me to speak with someone in the USA and they keep telling me that I am not allowed and that they will not help me at all. One person stated even if they receive the information they will not help me because I should have not done something XXXX XXXX XXXX XXXX XXXX  and that it my own fault and then they hung up on me.
Product: Debt collection

Can back verified without any proof of there investigation This is a violation of 15 U.S. Code 1681 ( 5 ) Removal of inaccurate invalidated credit information. Most be deleted from your credit report.From all three credit bureaus.
Product: Mortgage

Predatory lending violation to the XXXX elderly via telemarketing. Two telemarketers called my XXXX & XXXX yr old parents from another state and coerced them into taking a 30yr refi. Never offered mtg protection ins. or another program to better suit their needs, never had an attorney present to look out for their needs. There was no way my parents could live 30 yrs.to repay the loan & the fraudulent telemarketers knew this. Not repaying the loan due to one 's death & less income would subject the survivor to foreclosure or homelessness. Upon my parent 's death, the home was quit claimed to me & is where i reside. Helping my dad financially ( who died after my mom ) made me wonder why he had this loan burden to repay. I looked into it & began calling, faxing & mailing Wells Fargo w/questions they refuse to answer. I even paid for 3 & 1/2yrs. on a loan that is not mine. Upon learning many yrs. later of the loan 's fraudulent inception, I refused to make another payment. Wells violated Connecticut 's predatory lending law & is guilty of equitable estoppel, unclean hands & unconscionability. This was a bad loan from the beginning. Wells was pd {$71000.00} on an {$81000.00} loan. Under stress & pressure from Wells, I offered {$20000.00} as A " short pay-off ''. This would bring the amt. to {$91000.00}. Wells refused the offer. I will not pay for a criminal offense.
Product: Money transfer, virtual currency, or money service

I sent a wire transfer to Bank of the West in California for {$20000.00}. for a vacation which was a fraud. My Bank here in Hawaii XXXX XXXX XXXX XXXX sent the transfer. I was suspicious 2 days later and I called the bank of the West to report it as a scam. They responded that it would be reported. I notified my bank and they also notified the Bank of the West of the fraud. 
i have tried to notify all the people who can help. I sent a report to the FBI, the FTC, and the Fraud dept in the US government. 
i know after reading about the scams online that the people who receive money through this means are called mules. The scammers hire them and they open bank accounts to collect the money for them. 
The money was received and collected at Bank of the West in XXXX XXXX. 
According to my bank the account has been closed by XXXX XXXX and no money can be retrieved. I believe that the Bank of the West is responsible for this as they were notified within 48 hours that it was fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed several unauthorized inquiries on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and remove these accounts and inquires. I made Identity theft report on these items because they are not mine. I have nothing in common with these items, I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

When I spoke to the representative, they informed me that I had a bill from  XXXX  that I had owed. I asked them for a copy of the contract and they sent me nothing but a bill but no verification. The representative was extremely rude and term " entitled veteran '' when I was letting them know that because of my  XXXX  I can not continue the call and will disconnect.
Product: Checking or savings account

The company just responded to my last complaint and failed to address the proper dispute. Dispute # XXXX was the complaint they claim totaled {$340.00} but it really totaled {$370.00} at the time I filed the dispute, but XXXX reversed one of the charges before they approved my dispute for {$340.00}. This was prior to the account closure. However, the dispute I'm referring to and need a check for is Dispute XXXX that totaled {$920.00}. I was told that Factor reversed {$100.00} and I still have not received that check. They said that they found the dispute in my favor but I have not received any of the remaining {$920.00} from the dispute either. There were only XXXX disputes so I'm not understanding the confusion. It's showing a XXXX  disregard for the dispute process and the company willfully refusing to provide the funds from my account that they closed without notice and without my consent. Please, detail both Dispute XXXX and it's resolution detailing all dates and amounts of all transactions ; and Dispute XXXX which was reopened XXXX or XXXX times and now has the name Dispute XXXX and it's resolution detailing the dates and amounts of all included transactions for clarity and to assist you with properly differentiating the XXXX and properly resolving this issue.
Product: Debt collection

First I received a email from XXXX so I login and see an inquiry from unknown company called Zions Debt Holdings LL so I immediately contacted XXXX you asked them about this and I asked for this to be removed from my credit report because I have any knowledge of these people with in few they Zions Debt Holdings LL sent me a text message violation of my right on as a consumer to In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any
Product: Credit reporting, credit repair services, or other personal consumer reports

Firstly, The United States Bankruptcy Courts state on their website that they DO NOT verify, nor do they report bankruptcy records to ANY consumer reporting agency. 
I have also personally researched PACER for case identification number XXXX that you have provided and found no validity of you claim. 

The personal information you provided as verification from PACER ( attached ), does not match the personal information provided in the letter sent by LCI Consumer Center on behalf of Transunion ( also attached ), and is not sufficient to verify my identity accurately. 

In 15 U.S. Code 1681e ( b ) Compliance procedures, The Congress states the following : ( 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. 

According to 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. A report of a bankruptcy is an infringement of my right to privacy and such reporting is a direct violation to the Fair Credit Reporting Act 15 U.S.C. 1681 ( a ) ( 4 ) a consumers right to privacy. 

Congress also states that I, XXXX XXXX, must give written permission to Transunion to access my public information : 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have not, in fact, given Transunion written instructions to report this information according to the law above. By reporting said information Transunion is in violation of section 604 by asserting this false and erroneous report. Failure to respond satisfactory with deletion of the Bankruptcy and all other erroneous information that you are reporting on my consumer report will result in legal action being taken against your company for which I will be seeking {$1000.00} per violation, defamation of character, noncompliance, civil liability, mental anguish and the FCRA 15 usc 1681 for violations under willful noncompliance, section 616 civil liability for noncompliance, 15 usc 1681n.
Product: Payday loan, title loan, personal loan, or advance loan

I received funding on XXXX from this company of {$600.00} and I was not aware that the interest would go up before my first payment was made and my first payday is XXXX so the interest has went up. The balance went from XXXX to XXXX or XXXX and my first payment is even due yet, I have tried to call this company and have not received a response
Product: Checking or savings account

I contacted the bank on several occasions to dispute fraudulent withdrawals and debit card transactions. 

They are the following : XX/XX/2021 {$290.00} XXXX XX/XX/2021 {$500.00} XXXX XX/XX/2021 {$840.00} XXXX XXXX XXXX All 3 transactions are fraudulent and the bank is refusing to put the money back into my account.
Product: Credit reporting

outdated information on my credit report.Child support case is over 8 years old should only have been on report for 7 years. Equifax argues that it is not a negative so it can stay for 10 years.I argue that it is a negative, it is lowering my score and in fact it shows as negative strike in my credit report.So i feel that it is def. a negative report even though it has a XXXX balance and should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion you have 3 violations that are reporting on account XXXX XXXX { XXXX XXXX  } remove this account for violations Enclosed is a receipt for the violations { 1 } no account number { 2 } can not report open account on a collection { 3 } no closed date from the original owner = {$3000.00} for violations or delete this account at once and call it even
Product: Debt collection

I disputed a collection on my credit and it has passed the XXXX  days to respond from the collection company. Legally it should be closed and off my credit if no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I applied for two separate credit products ( XXXX XXXX and XXXX ). Both were denied due to " not being able to access Equifax credit report/no data returned ). 

This is the fifth time I have experienced this issue. Equifax has eventually resolved it in the past, but it has happened yet again. I have no security or fraud freezes on my reports.
Product: Bank account or service

I saw the checking account cash offer on the internet and I opened a new checking account with Capital One 360. Then I called in to confirm with the representative to make sure the offer is valid. The service personnel told me the cash offer {$400.00} is valid as long as I have XXXX direct deposits within 60 days. Now I have satisfied the requirements by making XXXX continues direct deposits. Today I talked to the customer service again and they told me that the cash offer is no longer valid. This is really bad customer experiences with Capital One 360 because they told me the previous customer service did not put notes in the system.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I started looking and found a loan that sounded decent to help build credit. On XX/XX/XXXX I was approve for the loan. It being a {$10000.00} loan with simple interest at 24.99 % for 60 months. I was told when getting the loan I would not be changed interest on the fees that were taken out of the loan amount. The amount was {$890.00} taken out of the {$10000.00}. The loan was financed for {$9100.00} at 29.82 % interest for 60 months. Interest being {$8500.00} throughtout the 60 months with a pay off of {$17000.00}. Come to find out I am being charged interest on the full {$10000.00} not the finance amount of {$9100.00}. This was and says everywhere including on their website that they offer simple interest loans. I was later informed the my loan is a DAILY Simple Interest Loan. That none of which is stated in my paperwork. The company at this point at is completely refusing to give me information so I can accurately pay off my loan. Due to the interest and what my paperwork says and not being able to effectively get basic information from the company and says they don't have access too it. It is now XX/XX/XXXX I am making on time payments of XXXX and have also paid extra with my principal hardly going down and the company will NOT provide any answers. They can't even tell me monthly how much of my payment is being split between interest and principal till a week AFTER I make my payment. To date I owe {$9500.00} on principal all though the finance amount was {$9100.00} and to date the pay off amount is {$9600.00}. This don't seem right as my vehicle loan is simple interest as well and gives me ALL the information I need and request.