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

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$28000.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$490.00} XXXX/XXXX   XX/XX/XXXX {$3100.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX/XXXX  XX/XX/XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. 
XXXX {$1700.00} USDEPED XXXX {$2000.00} USDEPED  XXXX {$2000.00} XXXX  XXXX {$2500.00} XXXX XXXX {$1500.00} XXXX XXXX {$0.00} XXXX XXXX {$20000.00} XXXX   XXXX {$860.00} XXXX  XXXX {$1000.00} XXXX XXXX {$22000.00} XXXX  XXXX {$860.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$640.00} XXXX  XXXX {$270.00} XXXX XXXX XXXX {$280.00} XXXX  XXXX {$860.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 the information is inaccurate.

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 : t 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, other than the records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect.
Product: Credit reporting or other personal consumer reports

IVE RECENTLY CHECKED MY CREDIT REPORT AND IVE NOTICED SOME UNAUTHORIZED CREDIT REPORTING : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

XX/XX/2023 : XXXX XXXX XXXX Account Opened. 

XX/XX/2023 : {$4500.00} deposited from XXXX. 

XX/XX/2023 : {$240.00} deposited from XXXX. 

XX/XX/2023 : Contacted XXXX regarding inability to log into account, received email stating account is frozen. 

XX/XX/2023 : Contacted XXXX to inquire about email stating account closure; informed a letter explaining closure would be sent in XXXX days. 

XX/XX/2023 : Contacted XXXX about receiving a {$200.00} check without further explanation ; directed to wait for information from another department. 

XX/XX/2023 : Contacted XXXX for account status and remaining balance; informed the back office couldn't provide details, awaited letter in mail. 

XX/XX/2023 : Contacted XXXX to question account closure; informed it was being handled by the fraud department. 

XX/XX/2023 : Contacted XXXX for account status ; directed to a different department with no answers. 

XX/XX/2023 : Contacted XXXX regarding account closure; informed it was with the fraud department, and an email was sent to the back office. 

XX/XX/2023 : Contacted XXXX for account status ; no information provided, referred to back office for closure details. 

XX/XX/2023 : Contacted XXXX to inquire about account status; informed it was still in the back office, not closed. 

XX/XX/2023 : Contacted XXXX to determine account closure and remaining balance ; informed closure was on XX/XX/2023, and remaining balance would be sent to chosen address. 

XX/XX/2023 : Contacted XXXX to follow up on remaining balance; informed a check was sent to the provided address, expected arrival in 30-60 days, but no check arrived. 

XX/XX/2023 : Contacted XXXX to request a new check and explanation for account closure ; directed to call the fraud department and escalate the matter via email. 

XX/XX/2023 : Contacted XXXX to request email and documents showing conversations and requests; informed they couldn't provide virtual documentation, but a letter would be sent. Requested callback from back office and sent an email for escalation.
Product: Credit reporting, credit repair services, or other personal consumer reports

See letter sent with unauthorized inquires that need to be deleted
Product: Checking or savings account

USAA claims that I had a payment hit on XX/XX/16, but it declined. I see they charged me a fee if {$29.00} the next day which ironically is the same day a deposit was made. A week later they claim there was a retry and thus I got another fee. This is such garbage. The day the fee hit I had a deposit big enough to cover it.
Product: Credit card

I have a credit card. I paid on time for months and kept it up even once I spent my limit. Then after multiple on-time payments I started to get additional fees on top of my monthly payment. These addition charges have made it beyond impossible to provide for my finance and daughter. I have had to get a loan from family members 3 months in a row just to pay rent and get groceries. It isnt right and the amounts continue to increase and further overdraft my checking account and my credit card account. As I type this my checking account and credit card account are overrated. Im continuously scrambling just for basic survival every month after my bills come out I end up at a minimum negative {$500.00} until the next time I get paid. Ive asked for help with payment dates and the last date didnt get put in properly so now I have more fees on top of the fees I already owed. The way they started to add fees made it seem like I was late but I wasnt late it was interest fees, late fees, cash advanced fees, overdrafts fees. Nonstop without help, or guidance. The worst part is not knowing if the next month XXXX be able to pay rent and get groceries for my family.
Product: Credit reporting or other personal consumer reports

unknown credit inquiry from FB TXXXX XXXX  on XXXX of 2023 whom i have no accounts with.
Product: Mortgage

Nearly  one year ago, I c ontacted the CFPB to inquire about specific transaction details regarding my mortgage that was purchase d by Goldman Sachs  on  XXXX   XXXX ,  XXXX  from  XXXX   XXXX   XXXX   XXXX   XXXX  .     The company has not provided an adequate response to my inquiry and representatives from the CFPB indicated that followup emails had been sen t to Goldman Sachs for a   response. Yet, no reply has been received.      Goldman Sachs was  asked to provide details about the dates that my loan was sold from its controlling interest (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    )  to  XXXX   XXXX   XXXX  .     Additionally, my loan that was purchased on  XXXX   XXXX ,  XXXX  via a securitized transaction did not include the note, as an assignment was ultimately crafted in  XXXX  of  XXXX .     The bank purchased a loan without ownership control of the note. So, I want to know how it was able to sell the securitized mortgage notes / trust without ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a second credit card from XXXX Bank. Upon receiving the card I filed it away. Several months later, I received an e-mail from XXXX XXXX XXXX which I subscribe to alerting me that a 60 day late was reported to my credit report. Upon investigating this I discover it was fees being charged on the new XXXX card which was never used. I then called XXXX and I was told the card was issued paperless billing and I never received an e-mail from XXXX which they acknowledged and I was credited back late fees. I have attached a copy of the recent statement which displays the credit. 

I then asked XXXX to removed the 60 day late since it hurt my credit rating. They told me their was nothing they could do and I would have to file disputed with the three bureaus. I began with XXXX  since I have an account with them. I could barely understand the person I talked to. I then went to XXXX and Equifax websites which turned out to be traps to join their service before I could submit a dispute. 

I then called XXXX back and it was clear the person I was speaking to winance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. Please remove as these are suspicious to me : XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX  XXXX XXXX, XXXX XXXX and XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXXSubject : FCRA Section 605B Dispute Request to Block and Remove Fraudulent Account InformationDear Experian, I am writing to formally dispute the reporting of the account associated with XXXX XXXX on my credit report. This letter is being submitted under the provisions of the Fair Credit Reporting Act ( FCRA ) Section 605B, which mandates the blocking and removal of information resulting from identity theft or fraudulent activity.Account Details : Creditor Name : XXXX XXXX. ] This account was reported to you without my authorization and in direct violation of several federal laws, including : 15 U.S. Code 1681c-2 : Reporting of information related to identity theft.15 U.S. Code 6802 : Disclosure of nonpublic personal information.15 U.S. Code 1666b : Late payment must be posted within a reasonable time.15 U.S. Code 1643 : Unauthorized use.The following actions were taken by XXXX XXXX, constituting identity theft and fraud : Unauthorized Disclosure : XXXX XXXX furnished my private information to third parties without my explicit authorization.Continued Reporting After Cease and Desist : Despite my sending a cease and desist letter, XXXX XXXX continued to report late payments on my credit report even after the account was closed and charged off.Failure to Provide 1099-C : XXXX XXXX failed to provide me with a 1099-C form after charging off the account.I have disputed this matter multiple times with both XXXX XXXX and Experian. However, each time, Experian has validated the information without providing evidence of the steps taken to verify its accuracy. This failure to investigate properly indicates a violation of my rights under federal law.Given the violations mentioned above, I request the immediate removal and blocking of the fraudulent information related to this account from my credit report as required by the FCRA. This includes all references to this account, any associated late payments, and any other negative information.Please confirm in writing that the requested action has been taken within the 30-day time frame allowed by law. If Experian fails to comply, I will consider all legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal action.Thank you for your prompt attention to this matter. I look forward to your immediate compliance with my request.Sincerely, XXXX XXXX XXXX,
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to request the immediate blocking and deletion of specific accounts and inquiries from my credit report. I am a victim of a data breach, which has compromised my personal information and exposed it to potential identity theft. As authorized by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting the removal of the following entries from my credit file : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I WAS REVIEWING MY CREDIT REPORT AND WAS ALARMED BY THE FRAUDULENT ACCOUNTS AND INQUIRIES REPORTING. PLEASE SEE ATTCHED DOCS. 



I WOULD LIKE THE FOLLOWING ACCOUNTS DELETED WITHIN 5 DAYS. 

ACCOUNTS ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

PLEASE DELETE THE INQUIRES REPORTING ALSO. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

To whom it may concern I was coerced into continually running my credit to qualify for a refi mortgage by a loan XXXX named, XXXX XXXX of Nexa Mortgage. XXXX XXXX led me to believe that he needed to continue to run my credit to check for any improvements while knowing that it had no bearing if his company would approve a refi on my XXXX, all the while the continual inquiries on my credit started to affect my score. I was later told by another loan XXXX that XXXX XXXX was only running my credit to fulfill a quote. This type of " baiting '' affects my credit and XXXX 's license as a lending XXXX needs to be suspended. 
Thank you for your attention to this matter, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I took a check to Bank of America on XXXX XXXX XXXX in XXXX XXXX to deposit into my account at B of A. The teller said that there was a problem with the check and that I need to see the Manager. Instead of the Manager inviting me to his office he came out to see me in the PUBLIC AREA ( Lobby ) and told me that they can not accept the check. He asked me who signed the check. I told him the check was sent to me by another Company as a PROFIT FUND PAYMENT on my XXXX  account. 
Then he told me that the check is a fraudulent check from a fraudulent account created under my name and address by the XXXX XXXX. He told me to take the matter up with the Company. HE DID NOT GIVE ME ANY ADVICE AS WHAT I SHOULD TELL THE COMPANY OR WHETHER I SHOULD REPORT IT TO ANY OTHER ENTITY. 
I wrote a letter to the Company and they just shrugged it off! .I waited for over 10 months for them to give me a satisfactory answer. 
WITHOUT MY KNOWLEDGE, THE BANK MANAGER AT B of A had reported me to a CONSUMER AGENCY as a " Check Fraud ''. I did not find this out until I tried to open a Savings Account at my XXXX. The account was opened successfully but by next morning the account was CANCELLED. I asked to see the XXXX XXXX to find out why?. She told me that I was RED FLAGGED as a FRAUD. At this point I wrote to the Bank of America Manager that I AM THE VICTIM OF A CHECK FRAUD AND I AM NOT THE PERPETRATOR. FYI he did not even check with me for details of the Company who frauded me by sending me a fraudulent check opened in my name in a fraudulent account.. Now, every time someone tries to send me funds via bank transfer or XXXX  my name is triggered as a FRAUD. This has major implications and complications. Please let me explain why and how. 
I am a XXXXXXXX XXXX with an excellent past record. I have served this country as a XXXX XXXX for XXXX XXXX I am now a XXXX XXXX and a XXXX XXXX XXXX XXXX My Fees are paid by Insurance Companies like XXXX, XXXX and other XXXX XXXX XXXX as well as Checks from patients. As a result of the above problem I have been denied payments on many occasions. Please help me clear my name from the FRAUD flag and remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found that the reporting agencies Experian XXXX and XXXX or in violation of my consumer rights according to 15 u.s.c. 1681 d
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX is submitting this complaint without any third party influence and give authorization for the cfpb and the other following companies to move forward with this complaint. Please see attached documents and ID as it contain my full complaint and request.
Product: Money transfer, virtual currency, or money service

I filed my XXXX local income tax return late on XX/XX/XXXX online at keystonecollects.com. I am due a refund of {$2700.00}. I emailed customer service soon after about when my refund check would be direct deposited into my account as thats the service I chose on the return, and I was told due to them being very busy I would have to wait. Soon after the asked me to fax XXXX and last pay stub of XXXX as supporting documents which I did, and I even got documentation they were reviewing my return now in early XXXX. I since have emailed them, and called to check on status plenty of times. I get no response by email. Over the phone Im told the person that would handle my refund deposit wont answer the phone, but my check should be due they tell me. This is my money that I need deposited into my account ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection is showing on my credit report from XXXX XXXX XXXX for the amount of {$1200.00}. I never had a contract or transaction with this company or consent to any account with them or the alleged creditor XXXX XXXX XXXX XXXX'. I have requested any contracts showing my legal signature as proof of any valid relationship and have not received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX  Removal date XX/XX/XXXX XXXX  these are two inquiry 's that I have not authorized/ made and did not give permission for XXXXXXXX XXXX XXXX to make nor pull my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX XXXX social security is XXXX their are two negative items that are charged off that's XXXX and the other charged off has balancesof XXXX my complaint those items supposed to be removed from my experian credit report in 24 hours I have a federal trade commission identity theft report on file experian did a good job in removing the other negative items and all 4 hard inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX  XXXX {$1100.00} XXXX  XXXX XXXX  XXXX {$500.00} XXXX/XXXX   XXXX {$610.00} XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

I was charged {$1300.00} by XXXX XXXX for a flight. I have never ever even heard of this company. I contacted chase to inform them that I did not make or authorize this transaction i did not travel that year and did not have plans to! The worst part about it is i dont possess a passport to travel in the first place. They said they understood and would reverse the transaction that no other thing would be needed on my part. Then without notice i was recharged for it this week with no explanation and hung up calls.
Product: Debt collection

On XX/XX/2021 I sent a letter to this company requesting documents to verify this debt as well as this company 's authority to collect the debt. I was only sent a billing statement. None of my other concerns were addressed as requested in my letter. This company is also reporting the same debt under different names which is damaging my credit.