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

On XX/XX/XXXX I noticed an inquiry from XXXX XXXX that I did not authorize so I called Experian immediately. I was advised that I had to contact XXXX Bank using the information that they ( Experian ) provided on the credit report. I wrote XXXX XXXX on that same day, XX/XX/XXXX to remove the unauthorized inquiry using the address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CO XXXX. This was the address provided by Experian. On XX/XX/XXXX, I received a " Return to Sender '' notice on the same letter that I sent to XXXX XXXX. I checked the address that I wrote on the envelope and it was exactly how it was provided on my Experian report. Therefore, because Experian is providing inaccurate information, I want the inquiry removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These listed accounts have violated my rights.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any 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 7 years.

15 U.S.C 1681 s-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 the information is inaccurate.
Product: Money transfer, virtual currency, or money service

False customer service that was a fraud and not real on cash app money was being held for no reason f my knowledge which done made me slow down on using cash app
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BK OF AMER XXXXXXXX Date Opened : XX/XX/2018 Balance : XXXX XXXX-Charge-off, BK OF AMER XXXX Date Opened : XX/XX/XXXX  Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

Ive mailed LexisNexis is numerous occasions and they have failed to respond each time. 

The most recent cease and desist letter was mailed on XX/XX/XXXX. 

LexisNexis is illegally violated my rights under 15 USC 1681 by sharing/selling my personal information to credit bureaus without my written permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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

I am writing to express my dissatisfaction and frustration regarding the numerous attempts made to remove fraudulent items from my credit file. Despite multiple efforts to rectify the situation, the issues persist, and I find the current state of affairs to be unacceptable. Clearly outline the nature of the fraudulent items, including dates, amounts, and any relevant transaction details. Provide a brief summary of the steps you have taken to address the problem so far, including dates and methods of communication with the company or service involved. If applicable, mention that you have attached any supporting documentation, such as screenshots, emails, or correspondence related to the fraudulent items and your attempts to resolve the issue. Describe the impact the unresolved fraudulent items have had on you, whether it be financial stress, inconvenience, or any other relevant consequences. Clearly state your expectations for resolution, whether it be a full investigation into the matter, a refund, or any other appropriate action. Specify a reasonable deadline for the company or service to respond to your complaint and take corrective action. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$210.00}.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car in   XXXX  . After purchasing my vehicle through  XXXX   XXXX , I see that ov er 25 inquiries  were processed on my credit report without my authorization. I contacted   XXXX   directly to inform them that these were unauthorized and they were in violation by allowing these to remain on my report without any proof that these were initiated by and for me. They sent me a letter back saying that they would not remove them. I am thoroughly disappointed that the credit bureaus are allowing things to be reported without any proper documentation or proof. I will attach all documentation for this matter as well as ALL unauthorized inquires on my report.     Thank You for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) Subject : Dispute of Civic Liability for Negligence Non-Compliance under Section 16810 To whom it may concern : I am writing to formally dispute the notice of liability for negligence regarding non-compliance under section 16810 of [ relevant law or ordinance ]. I believe that the decision to hold me liable is both incorrect and unjustified for the following reasons : 1. **Non-Compliance Overview** According to the notice, I am being held liable due to an alleged failure to comply with certain civic responsibilities. However, I respectfully dispute this claim as [ provide a brief explanation of why the non-compliance is not valid, such as miscommunication, misunderstanding of regulations, etc. ].

2. **Lack of Negligence** Furthermore, the allegation of negligence is unsubstantiated. I have taken reasonable steps to comply with the necessary regulations and responsibilities outlined in section 16810. [ Provide any relevant facts or actions you've taken to demonstrate your compliance, such as submitting forms, making necessary payments, or other appropriate steps ].

3. **Inadequate Notification** I also wish to point out that I was not provided with adequate notice regarding [ any actions, deadlines, or documentation required for compliance ]. As per section 16810, proper notification is essential, and the failure to provide me with such communication has led to this misunderstanding.

4. **Supporting Documentation** Attached to this letter are copies of [ list any relevant documents, emails, communications, or other proof that support your position, such as proof of payments, communication records, etc. ]. These documents demonstrate that I have acted in accordance with the law and have not engaged in negligence.

Given the above points, I respectfully request that this liability notice be re-evaluated and revoked. Should you require further information or clarification, I am happy to cooperate and provide any additional documentation necessary to resolve this matter.

I trust that you will carefully review the facts and resolve this issue promptly. I look forward to your timely response to this dispute.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX & XXXX Balance {$260.00} XXXX  XXXX Balance {$45.00} Inquiries : XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX 2021
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX i paid cash {$740.00} to send this hard earned money to XXXX. the receiver told me she did not got the money. her id card was stolen. so she went to get the money and was denied. i tried to resolve the issue with money gram but they waste time. 

i was in XXXX XXXX for last 5 years fighting my XXXX XXXX and i was out of touch and dont have access to internet. it was sent to XXXX XXXX XXXX. my name is XXXX XXXX, ss # XXXX and dob is XX/XX/XXXX following is my current mailing address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX cell : ( XXXX ) XXXX XXXX XXXX
Product: Checking or savings account

Since XX/XX/, I have not been able to deposit checks from XXXX XXXX XXXX ( XXXX  ) to my Wells Fargo checking account. The XXXX  checks are drawn on a XXXX bank account. I have been successfully depositing checks from XXXX  for years. Previously, they used XXXX, which became XXXX. Same account number. 

On XX/XX/2023, I deposited a check using the ATM. I immediately received an email from Wells Fargo stating that there was a problem with the check and it could not be deposited. The check and the XXXX account from which it was drawn are both active and viable. I checked with XXXX, as well. 

And again, yesterday, XX/XX/2023, I deposited two checks from XXXX, totaling {$400.00}, into my Wells Fargo checking account. And immediately, received an email that the checks could not be deposited. 

Wells Fargo has not been able to resolve this issue. I suspect that there was a malfunction with the ATM in XXXX. 

I do not have access to the funds and I'm beyond frustrated that once again, I need to spend time on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not allow me to access my credit report through MYEquifax public online services, and Equifax will not provide me with a free copy of my annual credit report, as required by federal law. Equifax unlawfully demanding that i provide a copy of my state driver 's license and is not accepting my valid state id, as it is required to do by law. On XXXX, i faxed Equifax a copy of my valid Florida Identification Card and Social Security Card, front and back, respectively. Equifax then sent me a letter requiring that i send them the same documents i already provided to them. Upon receiving the second letter from Equifax requesting the same information, i again faxed Equifax at the fax number Equifax provided : XXXX i included a copy of the most recent letter from Equifax XXXX along with the valid documents requested by Equifax to prove my identity. i also sent Equifax a copy of my bank statement. 

when Equifax replies that they are working on the problem, this is a false statement. Equifax is not working on anything. Not providing me a credit report or access to my credit report is causing me damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Product: Mortgage

My loan was sold to Shellpoint by XXXX on XX/XX/XXXX, since that time I haven't missed a payment and have tried to setup an agreement which will place my loan in good standing status. However, I was told I dont qualify for loan assistance. My loan is technically a two months behind but, only one of the months is reportable to the credit bureau. I dont understand why this company continually sends me demand letters for questionable payments related to issues with XXXX XXXX  that date back to XXXX. I feel as though i'm being harassed by Shellpoint and wish someone could help me. I suffer from XXXX  XXXX and their treatment toward me is making my life a difficult. The representative are rude, insensitive and borderline disrepectful.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I logged into my XXXX XXXX account to check possible auto loan refinance rates. I was taken through a very general prompt. I was never specifically told that my credit was going to be checked for this request. I was under the impression that my credit will not be checked and I will be displayed rates on a pre-approval basis, more like a soft inquiry. Once I was alerted of an inquiry on my report, I checked my report and found two credit inquiries from Rate Genius. I never followed through with them after my initial request and was not aware that they checked my credit. I called them on XX/XX/2021 to have these inquires removed and they told me they won't remove the inquiries because I should have known credit karma will check my credit. This was completely false, there was no disclaimer on XXXX XXXX. I would like them to remove the two inquires placed on my credit report on XX/XX/2021 and XXXX. I still don't understand why they checked my credit twice. The impact of these inquiries resulted in my long standing credit card lowering my credit limit as well as my credit score dropping 10 points.
Product: Credit card

I had been a client of First National bank of Omaha since the early XXXX. I just recently noticed they charged me an annual fee of XXXX which I never agreed to. I sent them an e-mail asking why and when had this started because when I applied for the card it had none. The response it happened in XXXX because of the card upgrade that took place. I do n't recall approving them to upgrade or even requested for an upgrade. The credit line with them had even reached up to XXXX but I requested to bring it down about 8 years ago. What is bad they have been charging me this fee and apply it to a XXXX percent interest rate, I only use the card only when promo of lower rates are offered. At this rate nobody would be able to pay them down. They agreed to reverse XXXX fee if I agreed to close my account. I have but I want to request all other fees in the past be reversed to include that high interest rate being charged on them. 

The question how much have I lost. I calculated an estimate of interest on the ann. fees being charged.
Product: Credit reporting

This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX is currently reporting to TRANSUNION that I applied for credit XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX ; or share my credit report with XXXX 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} NCB ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$14000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$10000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/18 I applied for CITI checking and Savings account under a promotion offering a {$400.00} bonus ( interest ) if requirements were met : deposit {$15000.00} combined new money to the accounts and maintain that balance for 60 days. I captured the offer in a screenshot ( attached ). I was the sole applicant, so I was the first signer on both the checking and savings accounts. 

On XX/XX/18, my initial deposit was credited to the checking account of {$500.00} via mobile deposit and then an ACH of XXXX on XX/XX/XXXX. An initial deposit of {$1000.00} was made via ACH to the savings account, and a subsequent ACH of {$2500.00} posted on XX/XX/XXXX. While I moved some funds between the accounts, the sum total of {$15000.00} was deposited by XX/XX/XXXX and maintained until CITI charged me an fee of {$25.00}, mistakenly, on XX/XX/XXXX. This fee was subsequently credited back to the savings account on XX/XX/XXXX. I maintained the {$15000.00} required until XX/XX/18. 

I contacted CITI on XX/XX/XXXX when I saw the fee charged, as I knew with a combined balance over {$10000.00} service fees were waived. I was told they had not " linked '' the accounts that I applied for in the single application, thus the combined balance didn't apply. I was told they would correct the error and credit the fee. When I asked if it would impact the offer I had applied under, the agent confirmed I was enrolled and indicated as long as the conditions were met I would get the bonus. 

I received notification on XX/XX/XXXX that I had not met the requirements of the offer because the required balances were not maintained. I contacted CITI customer service on XX/XX/XXXX to try to resolve the problem. The customer service agent, " XXXX '', eventaully agreed that the total was maintained and submitted a promotional dispute on my behalf. The case number was XXXX. 

On XX/XX/XXXX I received another email again telling me I had not maintained the balances during the offer period, which apparently was CITI 's resolution of the dispute. 

Since CITI had {$15000.00} of my money on deposit from XX/XX/XXXX until in XX/XX/XXXX, clearly I had in fact maintained the minimum requirement. The only time the amount was reduced was when CITI mistakenly charged me a service fee, which they immediately agreed was in error. However, since they didn't refund the fee until XX/XX/XXXX, they are claiming I didn't maintain the appropriate balance and are not paying me the bonus {$400.00} to which I am entitled.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I had a charged-off auto-loan from Santander Bank ( SANTANDER CONSUMER USA on my credit report ). Shortly after that, the vehicle was repossessed. Eventually, Santander sold the loan to a debt collection agency named XXXX XXXX XXXX XXXX which sued me in civil court through an attorney group known as XXXX, XXXX, XXXX, XXXX. 

I hired my own attorney who was able to reach a settlement with the creditor 's law firm. I paid this settlement amount in full. Earlier this week, I asked Santander to remove the negative account from my credit report, and they have not done so.