23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXXXXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX Account Name : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX REFERENCE # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries I didn't authorize, I put a fraud alert in my account months ago, the only valid ones are XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX HAS NEGLECTED NUMEROUS OF TIMES TO REMOVE NUMEROUS OF INQUIRES THAT DO NOT BELONG TO ME. I HAVE CALLED NUMEROUS OF TIMES AND WHEN I FINALLY MADE IT THROUGH TO SPEAK WITH SOMEONE I WAS HUNG UP ON. I AM WELL AWARE THAT IT IS XXXX JOB IS TO REPORT 100 % ACCURATE INFORMATION WHICH THEY ARE NOT. I AM ALSO WARE THAT MY RIGHTS UNDER THE XXXX ARE BEING VIOLATED WITH THESE INQUIRES. I HAVE FILED A FTC REPORT AND NEXT I WLL SEEK REMEDY THROUGH COURT.
Product: Mortgage

I did not give permission to run my credit. We were having a dialogue. Where I did not explicitly give permission to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 I sent disputes to Transunion, XXXX and XXXX about the following inaccurate and unverifiable accounts. I have done my research and according to the FairCredit Reporting Act, my consumer rights have been violated by these credit reporting agencies and their failure to reinvestigate the accuracy of my credit reports, as well as their failure to delete all inaccurate information. This is ridiculous! Additionally, Transunion will not review my dispute requests and continues sending these outrageous response letters saying " it didn't appear that you or a properly authorized third party sent this to us '' which is false and unacceptable. Each credit reporting agency has a proof of my ID and proof of my address to confirm my identity and support my disputes. These stalling responses are clearly a way to get out of doing their job in accordance with the credit reporting laws as there are MULTIPLE errors to be addressed. 

The following accounts are in error and in total violation of my rights : XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX  Case Number XXXX, XXXX XXXX Account Number : XXXX. 

It is completely unacceptable that these erroneous accounts have not been thoroughly investigated in accordance with the LAW and removed from my credit reports immediately after 5 months of sending reinvestigation requests and waiting for a status update or confirmation of deletion. 

15 U.S.C. 1681 Section 602 A ; States that credit reporting must be fair and accurate and unfair credit reporting methods undermine the public confidence 15 U.S.C. 1681 Section 604 A ; States a consumer reporting agency can not furnish an account without my written instructions or permissible purpose It has been well over 45 days since I've sent these different disputes. I have thoroughly reviewed the laws above and others that are applicable under the FCRA and demand they be followed by the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$200000.00} XXXXXXXX XXXX Balance : {$180.00} XXXX FCU XXXX Balance : {$860.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXuired on XX/XX/XXXX XXXX XXXX XXXXred on XX/XX/XXXX XXXX  NA Inquired on XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these Items several times with Transunion did not comply with my certified 609 letters. Please note : Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : XXXX has refused and I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd pa rties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.
Product: Credit card or prepaid card

I am a victim of identity theft my account was hacked all XXXX cards were closed by capital one for fraudulent activity in which someone had stolen my identity hacked my accounts again begin to use my cards and transfer money from my bank accounts, I disputed with capital one they knowing still are reporting me late after credit cards been shut down for fraud when I disbuted the charges they closed XXXX out with XXXX balance but left XXXX open with balance I dont owe! I didnt make those charges!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are both reporting a collection from a company in the name of XXXX XXXX and the collection references an account with XXXX but I never had my account with them I paid XXXX directly for my balance owed. I disputed the account with the credit bureau and they simply kept it on my file and showing the balance as XXXX. Thats still not okay with me this shouldve never been posted to my credit bureau and I want it removed fairly. 

Thank you
Product: Credit reporting or other personal consumer reports

Hi, My name is XXXX XXXX XXXX is XXXX XXXX XXXX XXXX Texas XXXX My account number is XXXX My social security number is XXXX My birthday is XX/XX/XXXX XXXX I have a twin. We are born XXXX minute apart. Her name is XXXX XXXX and my name is XXXX XXXX. We have the exact same birthday. Also our socials are almost the same. My twin recently applied for a XXXX  XXXX XXXX XXXX  car ore approval card. Exactly after she got approved for it they gave Me an hard inquiry & I believe her as well. I did not have anything to do with her pre approval. All I did was give her a refer a friend link thats it. Our information is incorrect. I do want this removed. According to 15 U.S.C 1681 this must be removed. Thankyou so much. 

XXXX XXXX XXXX Inquiry date - XX/XX/XXXX Removal date- XX/XX/XXXX Type - bank credit cards Phone number - XXXX Ive called them but they told me to call Experian and Ive XXXX Experian and they told me to call XXXX XXXX so now I need it removed because this is incorrect information we are XXXX different people.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Notified by XXXX credit monitoring of a hard credit inquiry by XXXX XXXX XXXX I did not authorize. 

XXXX by XXXX XXXX monitoring of a hard credit XXXXnquiry by TD Retail Card Services -- I did not authorize . 

XXXXNotified by Postal Carrier that an address change request was received for Washington State, I did not authorize and have not moved. 

XXXX Contacted Post Office and took identification to verify my identity and stopped address change. 

XXXX Contacted XXXX and did a dispute of the credit inquiries and then have been removed. 

Added additional credit monitoring of my credit report.
Product: Checking or savings account

Went to open a business account and was denied without a explanation why I couldnt open a business account. XX/XX/2021. To be honest I think this was because of my skin color
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  This account is still showing on my report even thought it has been paid and closed. We also agreed to make payment in return for the item to be removed from my report. TO date the company has not fulfilled this. Please delete this from my report
Product: Credit reporting or other personal consumer reports

XXXX is reporting these hard Inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting these hard inquiries from XXXX FCU XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian is reporting these hard inquiring from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I dont recognize these lenders, and I dont remember authorizing them to perform a hard inquiry on my credit report. 
I send them certified mail to delete those inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

companies to make any inquiry and view my credit report.This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy right Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 6l1. 
My contact information is as follows : XXXX XXXX XXXX
Product: Checking or savings account

Every time I reach out to this company my emails become compromised. Which means somewhere there is a conflict of interest. Someone is selling my information and stealing me and my kids funds. On XX/XX/23 my account was positive {$8.00} in savings and {$1.00} in checking deposit of {$1500.00} and XXXX was made on the XXXX then {$220.00} the following Saturday alone with {$6000.00} for tax refund XX/XX/23 then {$670.00} on XX/XX/23 then XXXX on that Tuesday then {$76.00} in the savings someone was accessing my bank account via online banking while I was sleep I reported that twice nothing was done but then my money vanished nobody know what happened to my money I had the rep inside the bank transfer fund from Savings for {$500.00} to the checking account come to find out they sent it to a closed account that had an account take over ending in XXXX then i didnt realize it until going to an atm to withdraw fund that the bank took an additional {$500.00} and that the other {$500.00} never was deposited into the account then I had to show proof and the realized the funds I quote accidentally sent to a close account then she moved it to the checking so my receipt shows but the. The fraud department stated it wasnt that Saturday on tbe XXXX then when I got print outs on the XXXX it showed me negative XXXX which I moved to checking which means this bank tried to Say I spent over XXXX dollars in 2 days never giving me an explanation nothing so then tried to tell me o no there was funds there Im telling them to check the calls that the rep stated all the declined transactions over that weekend where they took money from my account on declined transactions on their behalf they stated they gave the funds back but didnt the. I was charged {$60.00} for transfers I didnt do which is fair if I complained about not using an XXXX to log into my account I do t own an XXXX and then they over look that then proof of logins while Im sleep. This bank took {$700.00} from my account to pay my rent on XX/XX/XXXX posted XX/XX/XXXX but then stated no they didnt my landlord calls me after my bank account is closed out according to Bank of America on the XXXX of XXXX and tell me my check was blocked but the landlord told me on the XXXX their company cashed the check and it when through but on tbe XXXX called and stated rhe check was blocked Bank of America . Sent me 4 letters stated they wouldnt be accepting any. More deposits but still took my employment check XXXX  child support checks and told me my account was closed but not sending my checks back me and my XXXX  are about to be homeless due to the negligence of my funds holding my funds for ransom I dont know who has access to my account fraudulently but its a conflict of interest somewhere my bank statements proof that
Product: Checking or savings account

I made a payment on XX/XX/XXXX to XXXX in the amount of {$50.00} which was declined. I had {$580.00} in my account. I called Citibank on XX/XX/XXXX and spoke to a supervisor by the name of XXXX in the XXXX- she told me that she could not help.
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 items : XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$930.00} ; XXXX XXXXXXXX Balance : {$930.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$930.00XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened an account on XX/XX/2023 after being given the opportunity to bank with them again after decision overturn from an error on their end. My bank account was opened for XXXX weeks and then my account was randomly blocked and restricted without access for no reason, I called and they gave me the reason that my account is blocked due to my reviewing relationship with the bank. I have not done anything to cause issues with my account nor have I violated any bank policies with my account. Now I have no access to my account and money in it. I attached a letter from the previous complaint I made in XX/XX/2023 with them where they stated I can bank with them without an issue.
Product: Credit reporting or other personal consumer reports

A dealership ran my credit to multiple banks without my permission I only authorized XXXX credit union.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has By far been the absolute worst Experience ever. Im a victim of identity theft. Being treated like the one. Ive been violated in the worse ways ever because of this fact. From Tax returns to Bills and Vehicles. Because of this Im recovering from XXXX. 

I was made aware of several accounts and loans have been opened in my name. Banking institutions as well and they have placed abusive and derogatory remarks on my profile. Making it extremely hard and nearly impossible for me to live and provide for my children as Im a single mother of XXXX. 

Im trying to hard not to fall back into XXXX but this is really hard. I dont feel I should have such things placed on my public profile. Being the fact that Im a know victim of ID THEFT. Because of that Ive been on a never ending quest to restore my name and reputation. 

These remarks are abusive and not true & Theyre causing grave hardships and I fear irreversible trauma on my mental XXXX. 

Two weeks ago I submitted an application to open up an account and it was approved. They sent a letter stating that I was denied due to being in 3 party data base called XXXX. I called the number given after waiting for 20 minutes. I was Advised that I was in fact in their system with two banks. Reason being fraud!! Im devastated ... I cant function with this information on my public profile and its fraud. Im a business owner and I cant conduct my businesses effectively without this cancer being removed. 
I called to speak with the fraud department and the representative was really disgruntled and impatient. She basically told me I committed fraud although I had no idea what had been done. They refused to give any info and instead sent a letter of debt. This organization would not even tell me what caused the problem. 

I called the second bank at hand and they too were very rude and I received minimal assistance. They both insisted I owed a debt and refused to assist me unless a payment was made. Please help me I have filed an FTC as well .. XXXX XXXX AND BBT
Product: Debt collection

I XXXX XXXX natural person has attempted to rescind on my Fraudulent contract with Toyota Motor Financial. I sent this corporation an Affidavit of Truth on XX/XX/2022. Toyota Motor has not rebutted my Affidavit, Toyota continues to harass me with phone calls and Statements of debt. This contract is no longer valid due to several violations committed by Toyota Motor. I have attached : Affidavit Cease and Desist Rescission of Contract
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX, XXXX XXXX XXXX
Product: Bank account or service

i have been a customer and investor at the XXXX branch XXXX, XXXX M & T bank since they opened years ago. 
when withdrawing {$6000.00} from my checking account XX/XX/2016 i had an unpleasant experience with XXXX. he was arrogant and condescending, and evidently does n't care if i bank here or not. 
thank you.
Product: Debt collection

I have tried talking to XXXX several times. They are trying to charge me for equipment that I turned into the office.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I paid XXXX XXXX for XXXX insurance through cane and Wiener they have promised me for days upon and to email me a payment full letter and still have not completed it I've reached out to several several different people the last one speaking to a XXXX XXXX who redirected me to another website to see if I can go ahead and get the information for myself to no Avail since the accounts been paid to full I can't pull them up. They promised on the 1st day I did this I would receive the email and it now has been 4 business days. All they keep doing is giving me the run around they've already submitted the payments to XXXX as they show a XXXX balance. They keep lying to me and misdirected me I need to have these letters to show XXXX for it's very important. This is not the way business should be conducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple complaints about this false account on my credit report from XXXX XXXX. I have requested proof of this account and I am told by the company that they can not provide any proof to me because it was done online, HOWEVER, they can see the application and dates and receipts. All of that information and I can not get proof. Also, he states that the account was sold to XXXX XXXX and I have not received a contact for the exact company they sold it to, since XXXX XXXX has multiple locations.
Product: Vehicle loan or lease

Ok so I purchased a vehicle in XX/XX/XXXX of 2017 and was financed with Consumer Portfolio Services. Everything seemed fine, and admittedly I was late making the XX/XX/XXXXpayment partly due to difficulties trying to pay them via phone. I decided ultimately to pay the bill by check through the mail. In XX/XX/XXXX a check was mailed to CPS. I never received any sort of correspondence from CPS regarding not receiving payment nor a bill for the month of XX/XX/XXXX. I was going to send a check for payment of the month of XX/XX/XXXX and then woke this evening to find that the vehicle was not in my driveway. I attempt to call CPS upon this realization and can get no actual person other than a recording. I then access the companies website and access statements sent to me and find that the only thing sent to me according to their website is the bill fore XX/XX/XXXXand nothing else. I have received no phone calls, no further mail, no email and they do have my contact information both personal and work. All attempts to contact CPS have been exhausted as this is sort of an emergency due to the fact that I do have medication inside the vehicle that was just filled yesterday and I have no way of getting it replaced due to law. No attempt was made to afford me the opportunity to retrieve personal belongings from the vehicle which I am especially bitter about. I then find that their website shows that my account was not credited for payment sent in XX/XX/XXXX. After further research I found that this is not an isolated incident and that this sort of problem seems to be rather normal for the company 's operation. I have also submitted a complaint directly to the company but have n't heard anything from them regarding this. The complaint was submitted today.