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

Fraud happened and $ XXXX was taken out of my account. 
I have filed the fraud with Wells Fargo about this. 
They will not help me at all with trying to get this resolved quickly. 
I talked to two different people, 1 from the claims department who had an attitude and was disrespectful. 
The second person I talked to was a lady named XXXX who was a senior executive. She was very rude and even hung up on me without helping me with my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act.List of accounts below has violated my Federally Protected Consumer Rights to privacy & confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 crime which antedates the report by more than sever years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have contacted the third party entity XXXX Risk Solution to provide original signed documents of oath of who can testify an alleged bankruptcy on my credit file and they have not sent any proof or documentation of any method of verification. I contacted Transunion and filed a dispute of this alleged bankruptcy and they put me on hold and muted the phone several times. Transunion is not cooperating. Transunion and XXXX is violating my rights under FCRA reporting inaccurate information on my credit file. Pursuant to Texas Code of fair credit reporting, Transunion has violated my rights of not cooperating to investigate the alleged bankruptcy and also violating my rights of reporting inaccurate information to harm my personal credit. As a consumer I have the right to request that Transunion and XXXX Risk Solution Center furnish a notification of deletion of the inaccurate disputed information of the alleged bankruptcy. In an effort to resolve the disputed alleged bankruptcy, XXXX Risk Solution emailed me and asked for my social security number, driver 's license and address. This third party entity is asking for my personal information to sell my data and to pretend as if they had my identity information to report on my file. I have not given XXXX authorization to my identity neither to report anything on my credit file. I have the right to file civil lawsuit against Transunion and XXXX for damaging my reputation and credit as a consumer.
Product: Debt collection

I have contacted this agency through the credit bureaus. I 've made multiple requests for verification and validation of this debt. I have received neither. Also, the debt collector, IC System is not licensed and bonded to collect debt in the state of Florida. However, they have made multiple attempts by mail to collect on this debt. And are reporting negatively on all the major credit bureau reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

North American Recovery is reporting a few accounts on my credit file that I do not owe. Also, they are double reporting the same debt with XXXX XXXX XXXX XXXX. This is a VIOLATION per the FCRA and two companies CAN NOT report the same debt on my credit file. These debts need to be removed off my credit file. 
Acct # 's - XXXX XXXX - XXXX XXXX
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 XXXX. 

Account Name : XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$1000.00} Account Name : XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX  XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1500.00} Account Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$1500.00} Account Name : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$1500.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Regarding Reinsertion of Previously Deleted Information in Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the reinsertion of information that was previously deleted from my credit report. This action violates Section XXXX ( B ) of the Fair Credit Reporting Act ( FCRA ), which clearly outlines the procedures and requirements for such reinsertion. 
Details of the Complaint : - **XXXX  XXXX XXXX - XXXX - **Social Security XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX **Background : XXXX On XX/XX/year>, TRANSUNION deleted the following information from my credit report : COLLECTION REMOVED. This deletion was based on COLLECTION ACCOUNT WAS REMOVEDFROM YOUR CREDIT REPORT. 
**Reinsertion Incident : ** Despite the clear provisions under Section XXXX ( B ) of the FCRA XXXX which require a creditor or information furnisher to notify me in writing of their intent to reinsert any deleted information, I recently discovered that [ Name of Credit Bureau ] has reinserted the previously deleted information mentioned above. However, I did not receive any prior written notice regarding this reinsertion. 
**Impact : ** This reinsertion has adversely affected my credit standing and financial reputation. It has potentially harmed my ability to obtain favorable terms on loans, credit cards, and other financial products. 
**Request for Resolution : ** In accordance with the FCRA, I request the following actions to be taken : 1. Conduct a thorough investigation into the reinsertion of the deleted information in my credit report. 
2. Ensure that TRANSUNION complies with the notification requirements outlined in Section XXXX ( B ) of the FCRA. 
3. Correct my credit report by removing the reinserted information promptly.

**Supporting Documents : ** Enclosed with this complaint are copies of relevant documents, including : - Copies of correspondence with TRANSUNION regarding the original deletion.

- Copies of my current credit reports highlighting the reinserted information.

- Any other supporting documents deemed necessary to investigate this matter.

**Contact Information : ** Please feel free to contact me at the above address or by phone at XXXX should you require any further information or clarification regarding this complaint. 
I appreciate your prompt attention to this matter and look forward to your swift resolution. Thank you for your assistance in protecting consumer rights under the FCRA. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

My name is XXXX XXXX. Terms I originally agreed to and locked in were altered in my loan agreement without properly disclosing to me that changes were made from my original agreement to the terms of the loan structure. Below is a screenshot of an email that XXXX XXXX my mortgage broker sent to of what I originally agreed to as I was able to lock in order to proceed. ( please note in the section " Debts paid off '' it is XXXX ) Unfortunately, someone without my consent unilaterally altered that section with payments to be made to several of my prior creditors. That was never my intention as I made it clear to XXXX what my plan was to open this Heloc to have as a line of credit to be available to me that's all.

I was not informed ahead of time that the docs were altered to include amounts for checks to be made and that it had this language and they did not point this out ( as it was different than what I had communicated with my broker and originally locked in to have XXXX debts paid off ) So there was some deception to the the way this loan was drawn out. Please note that the email attached was sent to me by my Better Mortgage XXXX XXXX XXXX. Also please note that in the line that says " debts paid off - {$0.00} '' And this is what I agreed to and locked in.

Also, the section 2 Financial Information ( Assets and Liabilities ) 2c in the
doc " kwon-initial1003 ... ''. Liabilities has a small section in small print with x 's that I didn't agree to nor was given a discussion or choice as to which of those were to be paid off. Someone unilaterally checked those sections off and wasn't disclosed to me nor brought to my attention. This was deceptive as I didn't even initial those areas. I have my rights and know that this is a requirement of acknowledgement vs a signature at the end of all the documents confirming the loan. Also, when the notary that was sent by the provider came to have us sign the docs in person, she only showed us the pages for signatures and never explained to us what those signatures were for. The Loan processor XXXX XXXX originally told me in one of her emails I was not going to be able to get this resolved since I signed everything upon closing. Then she sent another email informing me that they are sending it to their legal department to find a resolution. Up to this point I have heard nothing else. ( XXXX ) And now my loan payment is due on XX/XX/XXXX as I received an email from the new loan servicer and I have done nothing with the money they wired and checks that they sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act FCRA these creditors have violated my rights for these accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Checking or savings account

XX/XX/year>! XXXX placed a hold on my account for a service they claimed was fraud or did not match my information. Although I visited a store with my identification and social security card, XXXX deceptively charged my debit card for {$130.00} for the XXXX upfront cost of their internet service. There is a pending charge on my debit card ending in XXXX. I feel that Citibank is targeting me as my race I at the center is why I am waiting for a pending charge to be removed causing me to be placed in compromising situations that my family can not use the {$130.00} being that I'm on a fixed income. I feel that Citibank is trying to deliberately give me a hard time because of my situation having a brutal case of identity theft. I am not frauding anyone, it's happening to me and I am the main one who is suffering not the criminals. Citibank had no mercy on my need to access the money drafted from my balance and held since XXXX XXXX. I do not have an active service or product with XXXX who has held my funds captive and will not release. Again, I have no official business with XXXX other than the identity theft reports filed. I BELIEVE THE FUNDS ARE THERE AND CITIBANK IS GIVING ME A REALLY HARD TIME OR THERE IS A DISCREPANCY IN THEIR COMPUTER LATE NOTICES SENDING MISINFORMATION TO CUSTOMERS WITH INACCURATE DETAILS OF THEIR ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX 6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Bankruptcy Case Number : XXXX Delete this account XXXX 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX 13. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since i di not do business with CAPITAL ONE, please forbide this company to generate hard inwuiries or any other financial transaction including inquries which are TOTALLY ILLEGAL since i Am not Authorizing them nor i have intentention to conduct business with them. Please ERASE the yesterday inquiry generated yesterday by such company which is resulting in intentional attempt of FRAUD. Following this communication and if in the future such illegal activity persists, XXXX will be responsible for such illal opetation and fraudolently will be reported to FEDERAL police for deep investigation. Please dial XXXX to talk directly to myself. Within 1 business day. Failure to contact me will be considered as VOLUNTARY COVER UP or OCCULT EVIDENCE and treated as it is. 
Sincerely XXXX XXXX [ intended as legal signature ]
Product: Credit reporting or other personal consumer reports

i found a few accounts on my report i own XXXX in 7 states so iam always traveling g my information been exposed and someone is using my information and the creditors never notified me and iam in the process of buying real estate and they harmed me as of U.S code 1692g validation of debts what they did is illegal and against the law and they violated my consumer rights and privacy this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, these are the accounts : 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 XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXXXXXX XXXX  XX/XX/2023 Account was not approved on my end I was denied the loan initially and they still gave me to loan I disputed it numerous times XXXX
Product: Payday loan, title loan, or personal loan

I attempted to pay off a high interest loan, and was prevented from doing so, see attached letter to Company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have faxed in my police report and they removed inquiries but some was n't removed and also allowing somebody to keep running my credit causing me to get more hard inquiries on my Credit Report.     The dates listed below are inquiries that needs to be deleted and I also requested nothing be ran on my report without my consent.      XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  -   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

My information with Equifax has been breached and they refuse to delete these accounts.
Product: Debt collection

ON XX/XX/2018 AN ACCOUNT REPRESENTATIVE BY THE NAME OF XXXX XXXX CALLED MY PHONE AROUND XXXX. MY XXXX YEAR OLD DAUGHTER ANSWERES THE PHONE ANS THE REPRESENTATIVE QUESTIONED MY DAUGHTER REGARDING MY ADDRESS. MY DAUGHTER TOLD HER SHE DIDNT KNOW THE ADDRESS AND SHE THEN ASKED MY DAUGHTER HOW DO YOU NOT KNOW YOUR ADDRESS. SHE ALSO ASKED HER SEVERAL TIMES WHERE WAS I AFTER MY DAUGHTER TOLD HET I WAS UNABLE TO COME TO THE PHONE. DURING A PREVIOUS CALL FROM THIS COMPANY, I TOLD THEM I DISPUTED THE DEBT AND ASKED THEM IF THEY COULD SEND ME ACCOUNT VALIDATION PER THE FCRA 1692 SECTION B, WHICH I NEVER RECEIVED. THIS REPRESENTATIVE CONTINUED TO CALL AND QUESTION MY DAUGHTER WITHOUT SENDING ME VALIDATION AS I REQUESTED, WHICH THEY ARE REQUIRED TO DO BY LAW. I AM SEEKING LEGAL REPRESENTATION IN THIS MATTER
Product: Credit card or prepaid card

I purchase tickets to go to a trip on XX/XX/2020 of XXXX and was schedule to leave on XX/XX/2020 .The goverment shut down travels to go to the destination due to corona virus. I went through a company called XXXX  to try to cancel and was giving the complete run around the lady on the phone at the company of XXXX  XXXX at the time would not listen she sent me to a chat and told me she can not do cancel she only does booking. I went to the chat and there was no corresponse back i called back several days trying to cancel and went to manage my booking to cancel i did not get no email no phone calls.I put in a claim with my credit card company i sent proof i brought from XXXX  and sent the invoice to them. I explain in a letter the complications with the company and that they was not responding in regarding my cancelation situation after informing them and disputing.Capital one sent me a can not assit letter and told me i have to reach out to the company in which i had already informed them there is no way to contact them and they are not able to contact with this problem and i am being liable for {$960.00} In which i feel is not fair at all. I did want to go on this trip and i couldnt due to the pandemic and now its like because of this i have to pay they are saying i did not show proof of cancelation. How when the company did not sent me a cancel and was giving me the run around in order to obtain it.I am distraught with this and make things worst my hours was cut on my job i have finnacial difficulties already and now Capital one is not being understanding at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
CONSERVE ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) XXXXBalance : {$1000.00} XXXX XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX*Balance : {$220.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING XXXX, XXXX, XXXX XXXX TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.
Product: Mortgage

On XX/XX/XXXX XXXX paid {$2200.00} out of my escrow account to the wrong insurance company. The payment should have gone to XXXX XXXX, my insurance company, but it did not. I have called loandepot at least six times and have spent over an hour on the phone with them each time. I have been told that they will get the money back or that they will cancel the check but that has not happened. As of today, XX/XX/XXXX, the money has not been returned to my escrow account.
Product: Debt or credit management

Account was paid in full and creditor was supposed to remove it from my credit file was never done it is a negative impact to my credit