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

Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 .S.C . 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the resuit 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 account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX that appears relate to one of the aforementioned accounts.These 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 XXXX 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: Checking or savings account

A few months ago I received a cash advance from my bank : Truist, forrmally XXXX XXXX XXXX. 

Today I got an email that my checking account had a negative balance.. When I signed into their website I saw they had used my SSDI monies to pay what I could not pay the last two months, the payment for the cash advance. 

I called the SSA and was told these monies were federally protected. However when calling Truist they told me their bank has written in rules that allow them to over-ride the federal gov 's policies. 

This is not only illegal, but cruel. I am XXXX and have been since I was very young, now middle aged all I have to live on is my SS monies. I read them out all the laws pertaining to this but they only directed me me to a PDF TAC in which in very small print they state that they ( Truist ) are allowed to take out protected monies from a person 's account. 

Please help. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2023 at XXXX {$940.00} ( my entire VENMO balance ) was withdrawn and sent to an unknown account. I immediately started communication with Venmo 's chat which did not give me options for a fraudulent transaction. I found a number and called but had to wait 20 minutes until they opened. Once I spoke to someone, they stated they were sorry and would escalate my call but I would not hear back from someone immediately and it could take up to 10 days before I hear anything. I emailed VENMO as well but I have not received a response.
Product: Debt collection

Convergent Outsourcing has called me twice now identifying themselves as a debt collector, but I am not overdue or late in making any payments. 
They do not identify the debtor. 
Recorded message tells me to call XXXX and completes. 
I feel that this is a scam for me to reveal important information on myself
Product: Credit reporting

I have been disputing and requesting validation of a debts I do not owe AND basic inaccuracies on my credit report for months now, and TRANSUNION has not only been evasive, they have not provided the requested and official documentation required by law, nor have they corrected the information, in reference to the following accounts since last contact. NAME- XXXX, XXXX : XXXX XXXX XXXX Acct # : XXXX - Not Mine, No proof of debt Or ValidationXXXX XXXX Acct # XXXX Not Mine, No proof of debt or ValidationXXXX XXXX XXXX Acct # XXXX Not Mine, No proof of debt or ValidationINACCURATE INQUIRIES : XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXPlease be advised that this is not a refusal to pay the debt, but a observe sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) you claim that I owe this. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe or gave authorization to pull an inquire. I am requesting proof that I am the accurate party to these or gave authorization to pull my credit, and a XXXX, which is binding on me to pay this debt. This is NOT a request for " corroboration '' via E or evidence of my mailing address, but a demand for AUTHENTICATION made pursuant to my name Date or Birth SS and correct address XXXX XXXX XXXX XXXX, KY XXXX accordance with section of the Fair Debt Collection Practices Act. Or i request this be removed as soon as possible. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your collection of information? What is your authorization of law for your collection of this alleged debt? Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature or authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX am working on my own credit and requesting that you process my request below or I will be reaching out to an attorney. I am keeping record off all communications and non communications. 

I have received a current credit report from your organization. After reviewing the personal records, it is clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. Creditor is U.S. Bankruptcy Court XXXX I am really worried about the consequences of this error since I am in the process of asking for a loan. 

I respectfully request some instrument that bears my signature on this account or the item must be deleted from your report within the next 30 days. 

Please provide the name, address, and telephone number of each credit grantor that you have contacted. 

Under federal law, you have thirty ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Equifax, XXXX, and XXXX. I am writing this letter asking you all will you please delete all inquiries off my credit repot so that my Credit will go up into the 700 or 800 please. My name is XXXX XXXX. These inquires has pulled my score down alot. Can these inquires be moved ASAP. These inquires have stopped me from opening up credit. Thanks
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, my Robinhood account was restricted, preventing me from accessing my funds to pay bills or cover living expenses. Robinhood currently holds {$2200.00} of my money. I promptly provided the requested information to Robinhood, but after submitting it, I received an automated response stating that my account would be reviewed the next day. 

On XX/XX/year>, I logged back into my account and noticed that the review date had changed. I attempted to contact support through the app, but the in-app chat was not functioning correctly. I then requested a call and sent an email to Robinhood support. Despite these efforts, I have not received a call and have been given inconsistent responses through Robinhoods social media accounts. Additionally, my emails and messages have been ignored.

It has now been a week, and I am no closer to a resolution. This delay has caused me to incur late fees and significant financial hardship. Robinhood 's lack of urgency in addressing this matter has worsened my situation, and I urgently need access to my {$2200.00} to avoid further financial damage.
Product: Debt collection

I pulled my credit and found that someone has been using my SS XXXX and DOB XX/XX/XXXX to open up credit cards and accounts! The following accounts are not mine and needs to be removed from my credit reports : RECOVERY ONE LLC # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Product: Student loan

I submitted the IDR application along with my tax return. I emailed fedloan several time about the status. The response is that enough information is not included to provide a response. The account number is listed in the email/inquiry. As of today, I have not received a response regarding the supposedly missing information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not authorized anyone to do credit check in my report and there have been about XXXX inquiries that Im not aware of and someone is using my identity. I want to protect my identity please remove those inquiries as it was not me or I have not authorized anyone to look into my report
Product: Mortgage

I have impound account with my mortgage in 2019 period. End of 2019, I have refinance my house and I paid the property tax due on XX/XX/2019, however, it was supposed to pay by lender because the lender withhold the impound. I have contacted them for refund of escrow balance. They refused and said they dont owe me any balance. As of the last statement, the balance of escrow about $ XXXX plus but I never got any response or rebate from them. I was frustrated and contact them but the refuse to refund. I have no idea what they are doing I need CFPB to get involve in order to get refund from escrow account. I proof you the proof which I paid property tax for my county and also amount of they collect impound in order to pay for property tax and insurance.
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, NY XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$4100.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4100.00} XXXX  XX/XX/XXXX XXXX CA XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX ct XXXX XXXX XXXXXXXX XXXX  XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed hard inquiries on my Experian credit report ... and received a reply within 30 days stating that I would have to contact each creditor about the inquiries. So on XX/XX/XXXX I sent a certified letter to XXXX  XXXX XXXX to remove the unauthorized inquiry. I then filed a CFPB complaint against Experian and XXXX  XXXX XXXX on XX/XX/XXXX to ask why they will not investigate the accuracy of these inquiries. On XX/XX/XXXX Experian replied to my CFPB complaint file # XXXX, I was informed through Experian reply to contact the furnisher of the inquiry. Which I did. 

( XXXX  XXXX XXXX ) replied via mail after I provided my Social Security Number and a highlighted credit report to assist with identifying the problem that their company has verified this inquiry dated for ( XX/XX/XXXX ) with the credit bureaus as accurate. 

XXXX  XXXX XXXX did not provide any proof of CONSENT or letter in the form of any type of application for credit giving this company my approval to check my credit report. 

Importantly, Experian insisted I contact the furnisher or creditor to address this inquiry, and I have as you can see in the file uploaded of the letter from ( XXXX  XXXX XXXX ) giving me the run around back to Experian that also did not investigate initially to see that XXXX XXXX XXXX can provide proof of consent according to FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account 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 a open end consumer credit plan as late for gl purpose.
Product: Credit card or prepaid card

I received correspondence from Capital One dated XXXX XXXX, XXXX about all three of my accounts with them ending in XXXX, XXXX, and XXXX being severely delinquent and over limit status and I was instructed to destroy my cards and not use them. I have contacted Capital One for explanation of this matter as the allegations on all accounts were all false on XXXX XXXX, XXXX and I have had an excellent credit history with them prior to XXXX XXXX, XXXX. I even have recorded phone records to prove the account representative on the phone said my accounts were in good standing on XXXX XXXX and she does n't know why I received the letters.The letters sent me are attached. In a reply letter from Capital One XXXX XXXX XXXX, XXXX, they continue to dance around the issue and directly address the date of XXXX XXXX, XXXX and the status of my accounts on that date. They are committing fraud and have unethical business practices and no one within the company appears to be competent enough to address the XXXX XXXX, XXXX status of my accounts that were in good standing. They have failed to show me booking entries to prove on XXXX XXXX, XXXX these accounts were all severely delinquent and over the limit as they have accused me of. Their pointless computer generated responses are a waste of time as they have no name attached, are unsigned and they do n't answer the questions and are in violation of the law with silence in the matter. Not answering the question is silence of acquiescence. Their computer generated unsigned responses with no name on it is a protection mechanism in an attempt to hold no one accountable for their unethical business practices. Additionally, XXXX XXXX, XXXX Capital One has received an affidavit from myself stating the facts about the fraudulent acts and on this day my signature has been rescinded from the original application due to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The financial institutions listed below continue to violate my federal right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 Per 15 U.S. Code 6802, these institutions are required to provide me with a notice that clearly and conspicuously outline my rights as a consumer. They have not provide me with an option to opt out of consumer credit reporting. I was not given the opportunity to, or choice, to exercise my right to direct that my private information is not to be disclosed. I never authorized for the these institutions to share any of my nonpublic personal information, such as financial data, to nonaffiliated third parties, such as XXXX, Equifax, or XXXX, and others. These banks continue to report information on my consumer report without my explicit written or verbal consent. No consent is identity theft. 

Furthermore, 15 U.S. Code 1681 ( 2 ) states that transactional information or experiences between the consumer and the furnisher are to excluded from consumer reporting.

Congressional findings in section ( 4 ) state that the consumer reporting agencies are to exercise their grave responsibilities for fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Equifax, and XXXX, all have used information that was not supposed to be reported, to compile a report as to who I am as a person, -which is not a true reflection of myself. Due to their repostings, I have suffered greatly. I have been experiencing tremendous pain and suffering, as well as loss of earnings, loss of quality of life, and necessary damage to my financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX  XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

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, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A sections 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

My account went into collections I called and, said it was gonna get taken care of. Never did its not mine false information still hasnt got taken care of
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian There is information thats on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted ; My request to block and delete is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as a consumer. 

Experian 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 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 card

I purchased internet service on an airline through Apple pay {$10.00}. I was not familiar with there process. The {$10.00} payment went unpaid for 2-3 months until I checked my credit report. I went from a perfect credit score to a poor credit score over a {$10.00} charge. I never receive any bill or phone notification that i had to link Apple pay with a credit card, nor did I have any reason to believe that Goldman Sachs was affiliated with Apple. Any bills or notifications from Goldman Sachs would have been discarded.

After numerous call to the credit bureaus and Apple/Goldman , I was told " sorry nothing we can do, you'll will have to suffer this black mark on your credit for the next seven years ''.

It has effected my choices in making further purchases and life changes.
Product: Credit card or prepaid card

Back in XXXX, 2022, I enrolled in automatic payments for my BJs Mastercard Credit Card, using my debit card. The payments never go through and I am, every single month, charged with a late fee of {$41.00}. They apologized and stated that payment was going to be deducted the next month, but it never happened. They dont waive the late fees and today, after the 4th call I have made about the issue, they told me that they dont have automatic payments, and that I had to do it myself online every month. I find that practice abusive and discriminatory XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that they think they can trick and collect money from.
Product: Debt collection

I contacted XXXX XXXX which is reporting a collection acct to all XXXX credit bureaus on XX/XX/18 requesting debt validation and also inquiring why multiple companies are attempting to collect on the same debt. After 30 days with no response or acknowledgement I sent a second request for status on my debt validation letter. I still received nothing from XXXX XXXX. On XX/XX/2018 I received a letter from Resurgent Capital with a copy of credit card bills. My FDCPA rights were violated as I did not receive proper/accurate debt validation as well as it was not within the 30 days. I have submitted numerous request to the company as well as the credit bureaus attempting to resolve this issue with no luck.