23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On Tuesday XX/XX/2022, I received an email from a rental company stating- We regret to inform you that we were flooded with applications for this home and the property was leased before we could process your application. I paid {$90.00} in fees for a property that was already rented before they processed my application. The company still took my money even though there was no property to rent. I was not interested in any of their other properties and at this point I didn't trust they had any rentals available because I requested an updated list or to cancel my application. The email said if I wasn't interested in applying for another rental I could cancel my application. - We apologize for any inconvenience. Please let us know if there is another home that interests you. Please also let us know if you'd like to cancel your application or our available and upcoming homes can be found here- PLEASE DO NOT CALL THE OFFICE REPLY TO THIS EMAIL -- I couldn't get a response or speak with a person so I disputed this with my bank. My bank credited me the fees but is now stating that the charges were authorized. 
I need help because even the email states that property wasn't available and that I could cancel, but I lost {$90.00} and I feel scammed.
Product: Credit reporting or other personal consumer reports

federally protected consumer rights to privacy and confidentiality under 15 USC 1681 PLEASE REMOVE ALL UNAUTHORIZED FRADULENT ACCOUNTS AND INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAMES REPORTED XXXX XXXX XXXX XXXX XXXX EMPLOYEMENT REPORTED XXXX XXXX XXXX XXXX  ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 





CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$360.00}, {$1800.00}, {$650.00}, {$1800.00}, {$2800.00}, {$1200.00}, {$1300.00}, {$930.00}, {$930.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

4. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$650.00} -This is not my account. 


-- CLOSED ACCOUNTS 5. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

7. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

9. XXXX/XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$930.00} -This is not my account. 

10. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$930.00} -This is not my account.
Product: Credit reporting

Student loans are more than XXXX and have been closed with original loan servicers paid off and are XXXX through XXXX for XXXX they are no longer delinquent since XX/XX/2016. Bankruptcies were XXXX or dismissed but still reporting violating confidentiality. Collection accounts for utilities companies are invalid. Accounts remaing after bankruptcy XXXX. Request removal of all inquiries. This prevents my family from for qualifying for any mortgage. No change in my credit score since bankruptcy XXXX and have opened new auto loan and credit cards. XXXX XXXX and Transunion are the violating companies.
Product: Credit reporting or other personal consumer reports

- Name : XXXX XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXX This complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting XXXX, XXXX, and XXXX to block information on my credit report that resulted from identity theft and fraud. Specifically, I seek to block the following fraudulent entries : XXXX. An inquiry at XXXX XXXX XX/XX/XXXX These accounts have led to several fraudulent hard inquiries and collections on my consumer XXXX credit report. I have attached a list of these inquiries, along with a copy of the consumer FICO credit report maintained by Experian, which includes the fraudulent items. I do not recognize any of the accounts, collections, or hard inquiries mentioned above, as they were not initiated by me and are a result of identity theft and fraud. 

I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof that all the aforementioned entries are due to identity theft and fraud.
Product: Credit card or prepaid card

Paypal Credit/Synchrony Bank makes offers of 0 % APR for purchases over {$99.00} if paid-off in 6 months and 0 % APR for purchases over {$600.00} on XXXX if paid-off in 24 months, the latter by invite received via Email. I currently have one ( 1 ) of the 24-month deals active and four ( 4 ) of the 6-month deals active. 
I pay my monthly payment expecting each deal to be paid so that the balances will be paid-off when the time period expires, i.e., the 24-month deal should be paid 1/24th of the original purchase amount, and each 6-month deal should be paid 1/6th of the original purchase amount. In total, I am paying that amount. 
Instead, my payment is applied entirely to the 24-month deal and nothing is applied to any of the 6-month deals. Such action will retire the 24-month deal far in advance of its expected end date, leaving me liable for all the accrued finance charges on the 6-month deals when they aren't paid-off at the end of 6 months. 
I discussed with Customer Service and my XX/XX/2019 payment was reallocated as I dictated to them, but now my XX/XX/2019 payment has again been applied in its entirety to the 24-month deal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act American Honda Financial 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 any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax is reporting a Bankruptcy on my credit report as the U.S. Bankruptcy Court XXXX XXXX of Texas ( XXXX ), which is false. I have attached the letter from the U.S. Bankruptcy Court XXXX XXXX of Texas, verifying and stating that they do not report to any information to any credit reporting agencies nor do they verify any information on anyone who has filed any type of Bankruptcy through their courts. XXXX and Equifax are falsely stating this information on my credit report and has yet to remove this from my personal credit report.
Product: Prepaid card

I have been entirely unable to use my AMEX gift card at most locations, despite the website saying that I can use it in all places that accept AMEX. I have been unable to use it at my local XXXX grocery store, on XXXX, and all online stores that I have tried to access. Frankly, this is entirely deceptive because I am clearly unable to use it despite me having a sufficient amount of funds on the card. I am in fact, NOT able to use it any place that accepts AMEX. 

I started with {$1000.00} on my card and currently have {$840.00} left, so I have more than enough to purchase small things from XXXX and the grocery store. I have had only three successful transactions on the card that occurred at XXXX, a donut shop, and XXXX. I have reached out to the company and have received absolutely no help whatsoever. I was told several times that I should be able to use the card, despite me making it very clear that I have had multiple declined transactions in very commonplace stores. When attempting to use the card online, I fulfilled all the requirements AMEX noted, making sure that the vendor asked for the CVV, card number, and zip code. However, my card was still declined repeatedly. 

I have attached a screenshot of an attempt to use my card on XXXX, which was apparently declined and instead charged my company card without my approval. This is absolutely unacceptable, as my purchase is in no way related to my line of work and places me in a position of looking like I am misusing company funds.
Product: Credit reporting or other personal consumer reports

At Experian, There was a data breach and my information was updated prior to the breach that was updated to collection agencies in which I have no knowledge about or agreement with. I asked how the information was obtained, the process of the dispute and its accuracy of how the information was collected. Misspelling of my name, d.o.b, addresses and accounts where inaccurate. I called and explained the reason for the call, asked for a freeze and disputed the information but my information was stolen and updated with collection agencies and now inquiries and other unknown charges are now on my report
Product: Credit reporting or other personal consumer reports

I received an offer from a the lender XXXX XXXX XXXX which is signed and returned. The requested a survey on the property after I was told I would not need one so I did find someone to do that last minute and I paid for that. They also wanted an appraisal as well which I believed I would not need either. After the survey was completed I sent the information over then I was notified via email that because of a felony theft on my record I was not able to receive the loan after all. I do not have a record at all and I requested the case information and asked where they obtained the information. XXXX XXXX stated they use the website XXXX and that I had several charges on my record and I needed to prove it was not me. I looked up the case number online and matched the record to someone else with a different name. The name is similar however does not match my name when cross referencing the XXXX number to other cases which clearly indicate the other persons name. I emailed copies of the case reports with matching XXXX numbers and dates with the cases. I offered my marriage license which proves that was not my name durning most of those years she was incarcerated. I also sent my old passport and despite my efforts the company stated the information is tied to my social security number and so they denied my application. I contacted XXXX and they stated that the information is not certified and is not to be used for loan purposes and the client must cross reference for accuracy since the algorithm sometimes gets it wrong. I also offered my recent FBI background check directly from the FBI website which checks all XXXX states and the company refused to take that report as certified proof. I am asking for compensation for all that I have lost as far as time, money and future income from XXXX for providing false information and from XXXX XXXX XXXX for not following up and cross referencing the non certified information.
Product: Debt collection

After explaining to the Dr office that I never attended their office in 2015, I have received repeated calls from Capital accounts,,, I have been threatened, Cursed at and told I would be sued, I received calls over 5 times day at times Some names include XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX just to name a few I have told then I dispute this account Based on I never went in 2015 ... .They have falsified insurance dates and this is a case of fruad
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to severe inaccuracies in the reporting of this collection account by National Recovery Agency. Despite my numerous disputes over the past six months, this account continues to be reported with conflicting and erroneous information across credit bureaus. 

Impossible Date of Account Opening : The account shows an impossible future opening date : XXXX : XX/XX/year> XXXX : XX/XX/year> XXXX : XX/XX/year> Inconsistent Status : XXXX and XXXX list the account as Closed. 
XXXX reports the account as Open. 
Balance Inaccuracy : A balance of {$2400.00} is reported despite the status discrepancies. 
Dispute Status Conflicts : XXXX indicates the account has been deleted. 
XXXX continues to report it as negative with a dispute status. 
Lack of Verification : Despite disputing this account multiple times, National Recovery Agency has failed to provide any proof or validation of this debt. This violates my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which requires all information reported to be accurate, verifiable, and timely. 

Given the repeated failures to verify this debt and the clear inaccuracies in reporting, I demand the immediate deletion of this account from all credit reporting agencies. National Recovery Agency 's continued failure to correct these errors is causing unjust harm to my credit profile and is a blatant disregard of federal law.
Product: Payday loan, title loan, personal loan, or advance loan

I have used SoLo Funds, for a very short period of time, as a lender ( i.e. I approve loan requests from other users, and lend money ). I have funded my " SoLo wallet '' to be able to do so. Now, I have money in this wallet, that I can not withdraw to my personal bank account. In other words, SoLo Funds does not let me get my money back. I have contacted them three times ( XX/XX/year>, XX/XX/year>, XX/XX/year> ), and tried to solve this situation with them directly. Each time, I was told my that my case needed to be escalated to a manager team. Nothing is being done.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking : XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENT HARD INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is old information that is not correct anymore. I want factual data to be correct with the credit bureaus and send me an updated report there are some old tax liens that are no longer apart Of my credit reports anymore
Product: Debt collection

Receiving repeated calls from the collector for a person that does not reside at my residence. We do not know the person. They have been told this numerous times now yet they keep calling, sometimes twice a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX/SUMMIT FUNDING I add a hard inquiries on my credit reports per XXXX, XXXX  ( The report does not include information about the creditor. ) and XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

After examining my latest personal credit report, I discovered that an unauthorized credit inquiry remains unresolved. This situation suggests that my credit has been compromised under your supervision. Despite submitting FTC report # XXXX, the issue persists. I previously contacted the company listed below to request the removal of this unauthorized inquiry from their records and all credit reporting agencies. They assured me they would comply, and each company received a certified letter stating the inquiry was unauthorized. I demand the immediate deletion of the unauthorized inquiry listed below. This complaint pertains to an unauthorized hard credit inquiry on my report, with XXXX ( XXXX ) inquiry still present. Enclosed is my new FTC report, number XXXX, for your reference. I am extremely frustrated with your lack of action. When will EXPERIAN remove this incorrect hard inquiry from my credit file? My requests have been ignored for months. Please stop stalling and remove the inquiry : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year>. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within XXXX business days upon receiving ( XXXX ) appropriate proof of my identity; ( XXXX ) a copy of an identity theft report ; ( XXXX ) identification of such information by me; and ( XXXX ) a statement from me that the information is not related to any transaction by me. This is a formal notice that if this inquiry is not removed from my report, I will pursue legal action. My attorney is prepared to hold you accountable for noncompliance. This is my FINAL WARNING. Please remove the inquiry resulting from erroneous credit reporting. Thank you for your prompt attention to this matter.
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, TX XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX XXXX BalanceOwed : {$0.00}, XXXX XXXX Balance Owed : {$5800.00}, XXXX XXXXXXXX Balance Owed : {$4000.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX BalanceOwed  : {$2500.00}, XXXX XXXXXXXX Balance Owed XXXX {$18000.00}, XXXX XXXX*Balance Owed : {$660.00}, XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2500.00}, XXXX Balance Owed : {$230.00}, XXXX XX/XX/XXXX, XXXX XXXXXXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX, has violated my rights. 


In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 



XXXX5 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit file immediately.
Product: Money transfer, virtual currency, or money service

XX/XX/21 on Robinhood I sold XXXX of BTC and XXXX recievied email confirmation. Today XX/XX/21 an unauthorized Deposit of XXXX from my bank account to Robinhood was completed, I did not do this! Robinhood said they will lock my account while they investigate but the problem is my money will be locked there. Robinhood took out XXXX without permission and refuses to admit wrong or give it back with out freezing my account for undertermined amount of time while they " investigate '' this is unacceptable as they have cause me financial pain by approving an unauthorized deposit which has left me in negative standing with my bank. Robinhood is doing something wrong here, I have email confirmation and no records of a deposit. Please help and please end Robinhoods shady practices.
Product: Mortgage

my mortgage company is in charge of paying the homeowners insurance from my escrow. due to the non payment. They were supposed to sent the check back in XXXX and apparently they didn't it. My insurance policy was cancelled for non payment and now the price went up by 100 %. When contacting the mortgage company they stated the check was mailed to XXXX and it was voided because XXXX never cashed the check. XXXX said they never received a check from the mortgage company and due to cancellation for non payment, it went up by 100 %. The mortgage company or XXXX never sent me a letter explaining the situation or giving a notice before the cancellation. 
Due to this negligence i am unable to pay this price. It went up from {$3500.00} to {$5800.00}. The mortgage company has been in charge of this insurance payment since i got the loan.