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

I am writing to dispute a hard inquiry listed on my credit report that I believe is inaccurate and unauthorized. The details of the inquiry are as follows : Creditor Name : US BANK DS WEST Inquiry Date : XX/XX/23 I did not authorize this inquiry, and I have no record of any recent application or credit request with the mentioned creditor. As such, I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report. 


I understand that, under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days. I request that you conduct a thorough and timely investigation into this matter, notify me of the results, and make the necessary corrections to my credit report.
Product: Credit reporting or other personal consumer reports

I received a notice/letter, dated XX/XX/year>, from OneMain Financial reporting that an application for a loan in my mother 's name had been denied. She had not made any loan application. In fact, she has been deceased for about XXXX  years. 
On XX/XX/XXXX, I made several attempts to report what looks like fraud. I called explaining that the person the letter is addressed to is deceased and could not have applied, and I therefore was concerned that this was fraudulent behavior. 
The company initially refused to connect me to the fraud department, demanding that I give them my mother 's phone number ... .ummmm, I think you have be alive to have phone number! I did point this out to the representative ... .who simply said he could not continue until I provided that phone number. I hung up and called back -- got a different representative. Eventually I was 'transferred ' to the fraud department, but my call was placed in a queue that was not answered.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

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

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 XXXXXXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX Balance : {$93.00} ; XXXX XXXX XXXX XX/XX/XXXX ; GXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

the company that called me left me a voicemail indicating they will freeze my assets and bank accounts and contact my employer to to collect funds from my paycheck.   The company is called " SRG ''. Called and spoke to a gentlement who asked me if I was  XXXX   XXXX  and to said the last for of my social security account. He then went on to indicate this is reference to a  XXXX   XXXX  account. I said that was  discharged  in my bankruptcy and is no longer on my credit report. I advised him this is the second call I received in a month. He said he just received or was outsourced this account info. I tried to give him my lawyers number and he said no never mind I will transfer to our bankruptcy department.     The voicemail left was threatening. I received a prior call in such manor about this  XXXX   XXXX  account which is closed. I contacted  XXXX   XXXX  personally and they said they do not have anyone outsource to collect any money for my account is closed.     Thank you  XXXX  number that they called me from :  XXXX  I will save the voicemail too
Product: Payday loan, title loan, personal loan, or advance loan

1st two payments were paid via online account that I had set up. As the checks were being cleared electronically I received a letter from Mariner stating that my checks had been returned. That was not true. The checks cleared when presented and this was eventually reflected in the payment history by Mariner. However Mariner did not recognize their original mistake and continue to insist that I had sent two checks that did not clear. This resulted in them canceling my ability to pay online ( the original payment method ) and to refuse the subsequence paper checks that I have tried to send them. Since the mail in paper check is the alternative that I have to paying online, I have continued to send a check monthly, each time explaining the mistake that is resulting in them eventually returning the paper check with a letter stating that due to a previously returned checks they are no long acceptable. Since it is easy to verify what I am saying and that Mariner is not bothering to do so, I am can only assume that they are trying to get as much from me for the loan in the way of additional late payments fees and interest accrued.
Product: Checking or savings account

Paypal illegal activity To Paypal XX/XX/XXXX You have illegally allowed XXXX XXXX  to access my account, and I have tried repeatedly to fix the problem by email, text and phone calls with you and XXXX and neither of you is able to fix the problem, you each blame each other. I am frustrated and going through Covid 19 hardship which you have made worse. 

On XXXX an XXXX purchase was made for XXXX by buyer XXXX and in my account, I contacted XXXX XXXX on XXXX and they stated that they would no longer be using PayPal as a payment method and needed me to list a bank on my XXXX account, which I did, and they deposited a payment for another sale in my bank account, all was working fine. I removed the XXXX and deposited it in my bank account since I no longer needed Paypal in which my paypal account balance was now XXXX. 

On XX/XX/XXXX a buyer is disputing a sale on XXXX saying he received a print damaged, which I am contesting, instead of communicating with me, the buyer made a complaint to XXXX immediately, and then emailed me. I asked for more information and the buyer never replied although he sent photos to XXXX. XXXX without communication with me, immediately withdrew XXXX from my paypal account which resulted in a XXXX, this froze my account and I am unable to add funds, PayPal says because XXXX stopped the payment, which was already deposited, that is why it is frozen, XXXX says the have nothing to do with it, you both work together and have caused this, I will not fix the negative balance, you and XXXX figure it out. 

Then on XX/XX/XXXX XXXX made a fraudulent charge of XXXX for fees was accessed by XXXX thru Paypal to my XXXX XXXX XXXX account, which I did not authorize. This was an echeck which is causing me negative balances on my XXXX XXXX XXXX account, remember I set up another bank account on XXXX for XXXX to access which they never did for the fees, now the XXXX is pending, and you removed that amount from my bank account illegally. 

At this point you and XXXX are working together and ruining me, this must stop. Therefore Effective immediately XX/XX/XXXX, PayPal and XXXX fix the problem, you both caused. You are causing financial hardship. I will pay no more fees to Paypal, remove my XXXX XXXX XXXX Account, never access it again or you will be charged with fraud. And close my Paypal account, send me confirmation that it is closed by email to XXXX. 

For your immediate attention and compliance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Re ; Credit pull On or about XX/XX/2021 & XX/XX/2021 I made a credit inquiry into a dealership concerning a purchase of a vehicle in XXXX, PA [ the name of the auto dealer is ] XXXX XXXX XXXX. I authorized the car dealer to make a credit pull but also informed them I was already pre-approved by XXXX financial for the deal to finance the vehicle. The account while I was there ran my credit at lease 5-9 times within a span of 3-4 hours I received that day on XX/XX/2021 9 alerts of hard credit pulls on my credit report. I informed the company and a sales man that I used to purchase the vehicle XXXX and asked politely to remove write in consignment and alluding to the conversation I had with a representative from XXXX. Send in a letter on my behalf stating these inquiries to be deleted and also I did my part. While at the dealer we concluded and ended by using XXXX financial to finance the vehicle and I really found those credit checks to be unnecessary since I had informed the dealer of my credit score and knowing that XXXX would be the only company to approve me. I would request that these hard inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Credit on road To be removed of my credit report due to the unnecessary expense and irreconcilable damage its done. 


XXXX. 
( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DISCOVERBANK Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA 3 . 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/2000 XXXX there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I am writing to report inaccurate information on my credit report. The Fair Credit Reporting Act states that by law I can dispute and challenge any inaccurate information on my credit report. 

15 U.S.C. Sec 1681i ( a ) states that if you can not provide proof then the account must be deleted especially when it is inaccurate. I am requesting that this account XXXX XXXX XXXX gets deleted. I contacted the three major bureaus to investigate every piece of information on the account listed below and I still have not had an investigation launched. In addition, in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX has violated my rights. 

1. 15 U.S.C 1681 section 602 A, states I have the right to privacy : 15 U.S.C. 1681 Section 1681 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 2. 15 U.S. Code 1692b - Acquisition of location information : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and 15 U.S. Code 1692c - Communication in connection with debt collection : ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 3. 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

According to the FCRA the term, investigative consumer report means a consumer report of portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of liking with other with whom he is acquainted or who may have knowledge concerning any such items of information. According to the FCRA 15 USC 168XXXX everything has to be 100 % accurate. Once again, I demanding this account be deleted.
Product: Checking or savings account

Capital One has failed to deposit my direct deposit from my employer. Capital One claims vague technical issues to be the cause and have offered no further explaination and no resolution. I believe this to be a violation of the XXXX Funds Transfer Act requiring my timely access to electronic funds. My employer submitted my payroll deposit on or before Wednesday XX/XX/XXXX which would allow XXXX hours for the transfer. My payroll deposit should have been available to me at midnight XX/XX/year>, it is now more than XXXX hours past and I still can not access my money. I am asking your assistance in investigating this matter and upholding my rights. I have no food in my home, truly it is dire, and I do not know how I will feed my XXXX children this weekend without access to my payroll money. Please help.
Product: Credit card or prepaid card

To whom it may concern, I am reporting predatory business practices by COMENITY - New York & Co. credit card services. I paid off my credit card in full on XX/XX/XXXX, in the amount of {$500.00}. 

Then I received another bill in the mail stating that I owed {$6.00} even though the account was paid off, which was confirmed over the phone. According to them, I was paying late fees. I then pay that bill and an additional charge of {$9.00} over the phone on XX/XX/XXXX. On that same phone call, I tell them to close the account. On XX/XX/XXXX, I got a bill for {$16.00}. I called them to dispute it, and according to them, the {$16.00} is another late fee because my last payment was late. 

On XX/XX/XXXX, they stated that they had removed all the charges, and my bill was paid in full. Today, on XX/XX/XXXX, they stated that I owed {$190.00}. 

There is clearly no way to pay off this card in full. COMENITY - NEW YORK & CO. are predatory in their practices. They do this because they know people will continue to pay in fear of non-payment affecting their credit scores. 

The information that I have on this company is the following : The address for return payments is XXXX XXXX XXXX XXXX, TX XXXX. 
The website for this credit card is nyandcompanycard.com. The company that the card is aligned with is COMENITY. The phone number that I have for this credit card company is XXXX. 

Please let me know what can be done to stop their predatory practices. 

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

Wells Fargo Dealer Services File XXXX  XXXX Reported on XX/XX/XXXX This was my car loan for a XXXX XXXX. This loan was paid in full completely in XXXX. They actually mailed me a title and nobody does that unless the loan is paid in full. I do not have this car any longer -- so I could not have transferred the title unless they mailed me one. I have spoken to them directly. Car loan was paid in full. Ask them why did they mail a clear title if car was not paid in full. I do not owe them anything. This credit has been paid in full by myself the consumer. I have no knowledge where they feel debt is not paid. I just know they started calling me asking me for this money. 

Thank you. 

XXXX XXXX XXXX
Product: Debt collection

They are saying I owe a debt for XXXX bill but child has only beemen to her primary doctor no ther locations
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. XXXX XXXX XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX  Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

My identity has been used without my consent acknowledge nor my permission please delete and remove this fraudulent inquiries from my credit report immediately inquire : XXXX XXXX ( Finance ) XX/XX/2024, XXXXXXXX XXXX XXXXXXXX ( Auto ) XXXX, XXXX XXXX  ( Bank ) XX/XX/2024, XXXXXXXX XXXX XXXX ( Bank ) XX/XX/2024. This inquires are unauthorized these illegal inquiries are reported illegally on my check systems report, XXXX report, XXXX report, and Trans Union report. It must be removed ASAP Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. 
And and send the required notifications to all furnishers of this information under FCRA 605B ( 15 U.S.C. 1681c-2 ) these inquiries must be deleted immediately And and send the required notifications to all furnishers of this information under FCRA 605B ( 15 U.S.C. 1681c-2 ) these inquiries must be deleted immediately 15 U.S. Code 1679c - 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts 15 U.S. Code 1681 - please remove these unauthorized inquiries by law thank you 15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Credit reporting

Collection account reported by XXXX XXXX XXXX on XXXX/XXXX/16 for the amount of {$130.00} for original Creditor : XXXX. Last Reported XXXX/XXXX/16. Reported on TransUnion and Possibly XXXX. I have paid this bill already and has not been removed, I called TransUnion but they were unable to help me. I called XXXX XXXX XXXX but they referred me to TransUnion, I am being bounced around. I have proof of Payment confirmation for the amount due and will attach it. Please fix this as soon as possible, thank you.