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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX 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 Accounts : Rentrecoverysolutions Account # XXXX date opened XX/XX/XXXX Bal. {$23000.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX Bal. {$7100.00}, XXXX  XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$2000.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX XXXX {$1700.00}, XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$1400.00}, online XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$1100.00}, XXXX & XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$270.00}. Inquiries : XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/2022 XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX XXXX 2.  XXXX XXXX XXXX. 
3. XXXX XXXX 4. XXXX XXXX XXXX 5.XXXX XXXX XXXX XXXX 6.  XXXX XXXX XXXX 7.  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit report i have XXXX inquiries that do not belong to me nor did i authorize. the 1St one is XXXX  XXXX on XX/XX/XXXX, 2nd one is XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX, 3rd is XXXX bank XX/XX/XXXX, 4th one is XX/XX/XXXX & XXXX XXXX Mortgage XX/XX/XXXX. THEY REMOVED ONE PREVIOUSLY that was a XXXX bank inquiry but did not removed the others as promised. this is absolutely insane that I have to go threw so much over inquiries, I was told if I did a freeze they would remove my inquiries and did not. Please REMOVE THEM, they are NOT mine! THE POLICE WOULD NOT do a report as it was an inquiry and there was no accounts open. 

On my EXPERIAN report I have XXXX inquiries that do not belong to me, The 1St one is XXXX  XXXX on XX/XX/XXXX, 2nd One is XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, The3rd one is XXXX XXXX MORTGAGE on XX/XX/XXXX XXXX lease REMOVE THEM, they are NOT mine! THE POLICE WOULD NOT do a report as it was an inquiry and there was no accounts open!!!
Product: Money transfer, virtual currency, or money service

we did a XXXX transaction at XXXX to purchase parts on XXXX XXXX  directed us to our PAY PAL account to pay. the transaction was intercepted by a 3rd party- and from XXXX that night til early morning they transferred money out of our accounts. PAY PAL did say we were covered- but the transaction were made and processed - the other parties that were selling product ( BITCOINS ) ALL LOST THERE MONEY AND THINKS IT WAS OUR CORPORATION THAT DID IT-Pay pal only has told them it was unauthorized transaction- They refuse to tell these people that it was not us evolved!!! so we are getting threats and social media blasted - We requested PAY PAL to send us letter stating that our corporation and our employees were not involved with the fraud, and we were victims like all of the buyers. We have been in business for 30 years and its a shame we have to defend our selves for something we had nothing to with. 
Very Truly XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit bureaus have been contacted several times regarding an inaccurate address on my credit report, in order to have it removed from my credit report. When I called them, they ignored my complaints, and then challenged me to file a complaint with the FTC, or Consumer Financial Protection Bureau ( CFPB ). I did file my complaint to the FTC and still, they didn't delete the inaccurate address from my credit report. This inaccurate address is causing me issues, because not all of my mail is coming to my address, and it makes me susceptible to fraud, to which I have been a victim of before.
Product: Vehicle loan or lease

Yes, I bought a 2022 XXXX and I was approved for the terms of credit not even XXXX month after I had the vehicle the XXXX called me demanding that Ive brand a vehicle back because I was not approved, but that was not the terms that we agree upon it was a fraudulent contract. I was forced into sign in the contract and they did not specifically explain everything to me. They didnt tell me that I have the right to resend. They didnt fully explain it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland funding on XXXX  credit report is a fraud report ... it was deleted by XXXX   for that reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Experian to unfreeze my account due to fraud from my bank account. I notice there was an inquiry from XXXX XXXX XXXX. I do now recognize this company nor have I opened an inquiry with this company therefore I believe it is ongoing fraud. Experian disputed this on my file. My bank XXXXXXXX XXXX there was fraud on my account and I had to close my accounts. I also stated to Experian there was an incorrect name being used on my account with the middle initial XXXX They said they disputed this as well. I also do not recognize XXXXXXXX XXXX on my Experian credit.
Product: Vehicle loan or lease

This opportunity to cure is regarding application # XXXX Ally Bank denied credit extension and I am seeking compensation for damages. 

" 706. Civil liability " ( a ) Any creditor who fails to comply with any requirement imposed under this title shall be liable to the aggrieved applicant in an amount equal to the sum of any actual damages sustained by such applicant acting either in an individual capacity or as a representative of a class. 
" ( b ) Any creditor who fails to comply with any requirement imposed under this title shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, as determined by the court, in addition to any actual damages provided in section 706 ( a ) : Provided^ hoverer^ That in pursuing the recovery allowed under this subsection, the applicant may proceed only in an individual capacity and not as a representative of a class. 
" ( c ) Section 706 ( b ) notwithstanding, any creditor who fails to comply with any requirement imposed under this title may be liable for punitive damages in the case of a class action in such amount as the court may allow, except that as to each member of the class no minimum recovery shall be applicable, and the total recovery in such action shall not exceed the lesser of {$100000.00} or 1 percent of the net worth of the creditor. In determining the amount of award in any class action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditor 's failure of compliance was intentional. 

As stated in PART 1002 - EQUAL CREDIT OPPORTUNITY ACT ( REGULATION B ) As per United States Constitution I can take Ally Bank to Federal Court and Sue for this matter. 

There is nothing else above the law and I hope you govern your self correctly.
Product: Student loan

The loan servicer, Navient, began billing me for loans while I was still in school ( when the payments were supposedly deferred. After learning about this almost 4 months after the initial bill was generated, I contacted Navient and they ask that I provide proof of enrollment. I provided the required documentation from my school. After doing so, instead of rectifying the billing issue, Navient rolled up the 4 months of " past due bills '' into my existing school loans and then capitulated the loan ( charge interest on the interest amount plus principal ). This happened on at least two different occasions across multiple school loans, and has added several thousands of dollars to the principal and interest loan amount through no fault of my own. When I attempted to address the issue with Navient, I was told they were not able to help me.
Product: Credit card or prepaid card

I have an American Express bluebird card. XX/XX/XXXX some how money got transferred to another account. They took XXXX that I got from my tax refund. I need help ASAP I have to pay bills take care me and daughter. The girl email and named shows on the transfer on my account. I checked XXXX took contact her she wrote a post basically saying that she had money and not sending it back. I HAVE PROOF THIS MONEY WAS IN MY SAVING I NEVERED MADE A TRANSCTION TO HER PLEASE HELP ME AND MY DAUGHTER!!!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Rent Recovery Solutions for reporting an invalidated account on my credit report with inconsistent and differing information. This account is being reported with significant discrepancies, including the balance and date last active. The date last active is reported inconsistently between the bureaus, further complicating the accuracy of this account. Despite my previous request for debt validation, Rent Recovery Solutions has failed to provide the required verification in accordance with the Fair Debt Collection Practices Act ( FDCPA ). As a result of these discrepancies and Rent Recovery Solutions ' failure to validate the debt, I demand the immediate removal of this account from my credit report. I reference the case Beckler v. Rent Recovery Solutions LLC, where Rent Recovery Solutions was held accountable for failing to properly verify a debt under the FDCPA. In that case, the plaintiff was awarded damages for the collection agencys non-compliance, and I am prepared to seek similar litigation if this matter is not resolved promptly. I expect this dispute to be handled expeditiously, and I demand that the inaccurate account be removed from my credit report. If Rent Recovery Solutions continues to report this invalidated and erroneous account, I will pursue legal action for damages resulting from these violations.
Product: Debt collection

On XX/XX/2017, I received a letter from a company named Midland Credit Management formally XXXX XXXX about a past credit card debt that was sold to them by XXXX XXXX Bank. After I couldn't come to an agreement with XXXX XXXX I wrote a letter on Febuary XXXX to Midland Credit Management along with a check stating that this was payment on my account to have it paid in full and upon them cashing the check they agreed to remove any negative remarks off of my credit reports with XXXX, XXXX, and XXXX, and mark this as paid in full and if this showed up on my credit report as a collection they would take the necessary steps to remove it. As of today this has showed up as a collection on my reports and should be removed immediately. I will be enclosing the copied letter that I wrote and the copy of the check that I wrote to them in which they cashed it. I'm writing to you today because I don't think it's right for this company to report this on my credit reports which the agreement was which I stated above and I would like for this company to remove this from my credit reports immediately due to the fact it's hurting my credit. Thank you for your time.
Product: Debt collection

Since XX/XX/XXXX, my wife and I have received 33 telephone calls / hangups from FMA Alliance. I finally spoke to them on XX/XX/XXXX, after researching the telephone number. The person did not identify themselves, but I confirmed that I was not the person they were seeking. I requested they stop contacting my home telephone number. 

Since XX/XX/XXXX, my wife and I have continued to be harassed by FMA Alliance. We have received 14 calls. I answered the call on XX/XX/XXXX, and once again requested that they stop harassing us since I was not the person they were seeking. This person also did not provide identification. 

Since XX/XX/XXXX, we have received 4 calls from FMA Alliance. However, these 4 calls have been from ( XXXX ) XXXX instead of ( XXXX ) XXXX, which has been used for the other 29 calls. 

Please help us make this STOP.
Product: Credit card

My business credit card was used fraudulently for two transactions. 

One transaction was on XX/XX/2023 in the amount of {$2600.00} and the other transaction was on XX/XX/2023 in the amount of {$3800.00}. 

I didn't authorize these charges that showed as a square charge to a XXXX XXXX XXXX. 

I realized that these charges were made after I had told a permit runner my credit card information to pay a permit fee for me for a property I was purchasing at XXXX XXXX XXXX XXXX XXXX, FL XXXX. Her name is XXXX XXXX. Her cell phone number is XXXX and her email is XXXX. 

I realized these charges when I logged into my XXXX XXXX XXXX  portal at Valley Bank and called XXXX on XX/XX/2023 out of suspicion. XXXX ended up admitting that she colluded in fraud with an architect from XXXX named XXXX XXXX to make these charges through a square processing device. The bank ended up calling him to dispute these charges and he stated that they were legitimate charges. I requested his information several times, but was never given it by my bank, nor from XXXX. 

In addition to trying to retrieve the money from the bank, I filed a police report with the XXXX of XXXX Police department. I provided all the information I had available, including countless conversations via text message with XXXX stating that she would have XXXX XXXX refund my money to my credit card. The police department ultimately said it was too small to investigate. The Incident report # is XXXX # : XXXX. Being told this, I tried to go back to my bank to see what recourse I had. 

The XXXX XXXXXXXX XXXX XXXX  I got from Valley Bank had no number to speak to directly so I would speak with a member of the bank I know. Ultimately after 4 months of trying to get my money back, having incurred interest throughout that time as well, I was told by the bank rep that XXXX would deny my claim. 

The bank rep emailed me on XX/XX/2023 at XXXX stating that they received notification that the dispute was denied due to the fact that my credit card information was given to the permit runner. That denial was received by their Credit Card Team and XXXX  : They recommended that I seek legal advice on how to proceed in getting the funds back from XXXX XXXX. 

Today, XX/XX/2023 I was told about the consumer financial protection bureau so I decided to proceed to try and collect this large sum of money I had fraudulently taken from me and that I have accrued over these last few months.

I am a victim of Fraud. Please help! I can provide all information that will be useful to you. Thank you in advance.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' NORDSTROM TD BANK USA is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 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. '' NORDSTROM TD BANK USA the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, NORDSTROM TD BANK USA whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my latest credit report, it is filled with a bunch of fraudulent accounts. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a  litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted 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
Product: Money transfer, virtual currency, or money service

I have been trying to connect my PNC bank account to my XXXX account, but no luck. Can I please get some assistance? Thank you!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX, I initiated an instant money transfer of {$100.00} from my CashApp account to my XXXX account. CashApp posted the transfer as completed ; however, the money never appeared in the account that it was transfered to. 

I've spoken with XXXX, who very clearly stated they couldn't find any record of the {$100.00} transfer. I've talked to many of the CashApp customer service reps and they've " investigated, '' but keep telling me over and over again that " the transfer was completed '' and insisting there was no error on their end. And yet, I still don't have my {$100.00}. 

I'm already very strained financially... I can't afford to lose {$100.00} over a bank 's error. I'm not demanding anything unreasonable - I simply want my money returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX Ct, XXXX, OH, XXXX SSN : XXXX D.O.B : XX/XX/1971 Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, SAGESTREAM they also have records of files that are wrong.
Product: Vehicle loan or lease

Credit acceptance has giving my information to a credit bureau that I dont give premossion to do So and there harassing me. And the car has been stolen in 2020 I no longer has access to the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$22000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX