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

Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX, XXXX and TransUnion immediately. 

XXXX XXXX XXXXXX/XX/XXXX XXXX ( Bank ) XX/XX/ XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX  account number XXXX has violated my rights. 

Statue 15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy.

Statue 15 U.S.C 1681 s. 604A. states, A consumer reporting agency can not furnish a report without the written instructions or concern from the consumer ( myself ). 

XXXX XXXX and Equifax have violated my rights by furnishing my credit file with inaccurate information regarding account XXXX XXXX XXXX. I have verified that Discount does not exist with the listed lender or creditor. This account is fraudulent. I have disputed it several times in the past and it only comes back updated. I deserve the right to an accurate credit file. I have provided proof and documentation of an accuracies that violate my rights. Please remove this in accurate information from my credit file immediately.
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 XXXXL Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 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 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: Debt collection

This dedbt was previosly disputed and should have been removed, since this entity is still pursueing this fraudulent matter i do intend to seek Litigation to resolve this matter.
Product: Mortgage

Doing a refinance expressed our need to have appraisal done to drop PMI and signed off on a full appraisal at {$530.00}. We were not notified until after appraisal was done that they ordered a drive by  and appraiser did not even get out of car. Expressed our concerns with the bank and were told to wait and see what came back. The report that came back did not properly represent our home. The bank told us to contact the appraiser. The appraiser told us that he was told not to even pull in our drive way, also said it was ver hard to pull comps on country homes and he would be happy to come out and do full appraisal as he does these all the time. We requested that from the bank they denied and said they would not budge. We now have to go with another company so we can get a full appraisal to accurately value our home. If we are paying for the appraisal why weren't we informed it wasnt going to be a full appraisal. we have to pay for another appraisal with the new lender since a drive by is not recommended by them. I would like a refund for the application fee as we would not have went with them if we knew that was how they were going to handle the appraisal. I was promised a call from management only to never receive one. I found out to that they waited to auto deduct XXXX XXXX mortgage payment and it is now showing as a late payment on my credit history. I called to Express my concern and was told they would look into it. this is unacceptable against my perfect payment record on my credit score.
Product: Vehicle loan or lease

I purchase my vehicle on XX/XX/XXXX from XXXX. Right after I purchase my vehicle I was laid off work on XX/XX/XXXX. I had no income to pay for the loan. My family and friends trying assisting me in my car payments. I contacted the lender and explain to them that I had lost my job and I wanted to return the SUV and Cancel the loan. Santander was very rude to me and told me NO. I have been struggling a whole year trying to pay this high car payment of {$750.00}. My contract states with XXXX that I only had 5 calendar days to return the car it was 12 days after I purchase it. I owe {$30000.00} back in XXXX and XX/XX/XXXX they put those 2 payments on the back end of my loan and reported to all 3 credit reports that I was 30 days late even though they have taken it but those loans on the back of the loan. Because I'm still looking for employment so that I can take care of the car loan I'm back again 2 months behind going into 3 months because I just can't afford the vehicle unless they lower my payments or take the car back and not give me a repo on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I went to XXXX to get XXXX Money Orders for {$450.00} to pay Rent for an Apartment that I had just moved into. My Rent is {$910.00}. When I went to the Apartment 's Leasing Office to pay Rent for XXXX, I was told that Money Orders could not be accepted as payment for Rent. This information was in the Lease Agreement. On XX/XX/XXXX I put in a Request to Western Union for Refund on the XXXX Money Orders, ( since I had already filled-out the Apartments Name on the Western Union Money Orders ). They sent me an email stating that they were reviewing my Request and sent me a case number for Both Request. For Money Order XXXX the Case Number is XXXX. For Money Order XXXX the Case Number is XXXX. On XX/XX/year> I received an email that for Money Order XXXX I could Pick-Up a Cash Refund for the Amount of {$440.00}, because there is a {$15.00} Refund Fee. Western Union provided a Tracking # XXXX. With this information along with my ID I Picked-Up {$440.00}. To date, I have not Received an email to Pick-Up the Refund for the other Money Order. Approximately XXXX weeks ago I contacted Western Union through a Chat Service they offer. The person that I Chatted with said they would Prioritize my Request. I have heard nothing since.
Product: Checking or savings account

I was charged a large amount that I did not authorize and I filed a dispute with my bank including police report and I was not given my money back. The charge was for {$72.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XX/XX/XXXX XX/XX/XXXX andXX/XX/XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XX/XX/XXXX XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XX/XX/XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Debt collection

I received a letter in the mail in XX/XX/2023 from Hunter Warfield on behalf of XXXX XXXX XXXX indicating I owe a leasing debt in the amount of {$4500.00}. I requested a validation of debt on XX/XX/2023 and I never received any further communication or documentation from the debt collector regarding the resolution.
Product: Money transfer, virtual currency, or money service

Reference to  CFP B Complaint No.   XXXX . Complaint was closed with the comment : Pursuant to User Agreement, you must open a Dispute within 45 days after the date of payment. Your  Buyer Dispute  was initiated 123 days after payment, therefore was ineligible for this protection.     Payment was made thr ough Paypal , Inc ( Pa ymen t Services ) . In the payment receipt fro m Paypal it was mentioned as " Need to file a dispute : If you have a problem with this payment to someone in   another country, you have up to 180 days to file the dispute. '' So this complaint has to be opened again a  nd Paypal must refund the fraud transaction. See attached receipt from Paypal.
I tried to contact Paypal that time against this fraud but they say some reason and did not move forward to register my complaint. Simp  ly wasted my time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I HAS LEFT A DEROGATORY COLLECTION ON MY CREDIT PRO FILE AND I HAVE SPOKEN WITH EQUIFAX AND XXXX ABOUT THIS ISSUE. 
I ALSO HAVE FOUR HARD INQUIRY THAT I DIDN'T APPLY FOR NEW LINES OF CREDIT FROM ANY BANY OR LENDING PROGRAME. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Checking or savings account

Wells Fargo has been mailing me duplicate form letters stating they are working on an issue, I've received two thus far. These letters have become a nuisance and are un wanted.. The issue pertains to prior form letters they sent asking if I am satisfied with a resolution which includes a partial refund of fees charged to an unauthorized account. As explained in prior complaint, their resolution is not satisfactory as it only includes a partial refund in the amount of XXXX. The issue also pertains to this unsatisfactory resolution. I request Wells Fargo cease from sending these duplicate letters
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX ( Account # XXXX ), XXXX XXXX ( Account # XXXX ), and XXXX XXXX ( Account # XXXX ) has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

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

XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : XXXX, Bank XXXX XXXX : XXXX, XXXX  XXXX : XXXX, XXXX  XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX Michigan XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX5 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 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 or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, VE, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Bankruptcy reporting on my Experian Credit report and this can not be allowed. I have spoken with both XXXX XXXX and the US BKPT CT XXXX XXXXXXXX. The US BKPT CT XXXX  XXXX has stated and confirmed that they DO NOT report to the bureaus so there for it is illegal for this information to be on my report from a company / court that does not report. Just because the information is purchased by XXXX XXXX, it still goes against the FCRA and I will take action if need be.
Product: Credit reporting or other personal consumer reports

I received notice of a hard credit inquiry on XX/XX/year> under the name XXXX XXXX using my social security number and other demographics for Barclays Bank. I've reached out to all three credit companies and it seems to only be showing up at XXXX to date. 

I've had several prior police reports and social sec. reports filed that she is using my information for fraud. She also uses multiple alias and addresses for her scams. I've tried my best to remove them from all XXXX companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I happened to check out what was going on with my credit report. I noticed an inquiry that does not belong to me. Please remove this from my credit report immediately as this is poor judgment with on my credit worthiness. 

XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XXXX XXXX, XXXX XXXX  Specialty Clothing Store Inquiry date : XX/XX/XXXX XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Tenant Screeners ( Reseller ) Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i wrote complaints to the 3 credit bureaus with no success of them correcting their fraudulent practices. They have put out {$60000.00} of fraudulent information on my credit. They violated 15 U.S Code & 1681b. 
I am writing to you about my rights that have been violated by the credit bureaus. In closed are the codes that have been violated, and included in this package are the letters that I sent to each bureau. I deserve my protection by law. They have caused me many problems with the misinformation and fraud that they reported. I was waiting on a responds from them 60 days ago and I got nothing. I am seeking help with these issues. I await your response thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

They wouldnt give me any information.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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

XXXX of XXXX  I got a starter loan from golden 1 credit union all payments were made on time they are currently inaccurately reporting lay payments to my credit report I need these to be disputed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not sign up for the service I am a victim of fraud and would like this account removed from my credit report
Product: Debt collection

I purchased XXXX XXXX service in a new subdivision in 2020 because they were the only providers at the time. They had to come to the house several times. Independent contractor could not get servive to work and would not return. XXXX XXXX XXXX  got service working but clouds kept interrupting service. I called in over XXXX times finally I was told that I would get a final bill due to poor service area of around XXXX after all my troubles. When I finall got a bill it was for XXXX from collections I'm pretty sure it has been sold to other agencys 2 or 3 times and my score has dropped on several ocassions for the same collection debt. I will pay what I owe. I never had service for a solid week. It should be in the notes from me calling in until they agreed about my poor inconsistent service.
Product: Checking or savings account

I never bounced a check or had insufficient funds. I do all my banking and bill pay on line. I tried to transfer funds from my savings account to checking to pay a bill. I could not do it. So I went to the bank and they told me my account was closed, they called corporate and could not get a reason why they closed the account. I did not like the answer so I closed all my accounts with the bank. I opened a new bank account with a new bank. This happened on XX/XX/XXXXand it has been difficult for me to pay my bills on time. My wife and I are extremely disappointed with Chase Bank and will never do any Business with them.

I have been with Chase for over 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started to get credit to build my credit ; instead, of paying for things with cash is what my exwife suggest I should do. I also noticed that some of the things that I received on credit and paid it off without missing nor short on payments in its timely manner I did not receive points for. But, this one credit that was XXXX that was payed off with in a year that was supposed of been without interest as long as it was paid off within a year but there was interest ; so, I paid it off anyway on XXXX the account was open on XXXX and my credit score dropped after it was paid off by XXXX to XXXX points. Instead, of it increasing by XXXX, XXXX points or more. Yes I called XXXX after I filed an dispute and said, I dont understand how my score dropped instead of going up when I maintain payments, never late and paid it off in a timely manner. He quate discuss it with a Credit advisor. I told him, it makes no since to discuss it with a credit advisor when the whole idea of getting credit and maintaining it by paying it off in its timely manner is to build credit ; so, why would I want to discuss it with a credit advisor?
Product: Credit card or prepaid card

In late XXXX, someone hacked into my XXXX account and bought some grills and air fryers, totaling about {$650.00}. I called both XXXX and Bank of America. XXXX noted that the XXXX addresses were not those which I had used before, and blocked them, and agreed that I did not make the transactions, nor did I receive the grills that were purchased using my card. Bank of America and XXXX discussed the issue further, to my understanding, where they declined my refund. Bank of America said it was up to XXXX to resolve, and XXXX said it was left to Bank of America to refund me. I reopened the investigation a month ago and was promised a call back within a week or XXXX weeks or so, and I have not heard anything back. XXXX agreed that I did not make the transactions, so how I was declined my refund, I don't know. I also never received notes from the investigation that lead them to believe that I was at fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, an employee with XXXX. I have an XXXX Credit Card powered by XXXX XXXX and have been using it for the last 6 months. 

My current problem with the XXXX XXXX right now is the improper reporting of credit balance and the lack of periodic updates of my balance to credit bureaus every month leading the improper or invalid balances on my credit reports frequently, month after month. When I reach out to XXXX XXXX to get this fixed, I often get served with a cold response saying, " We are not obligated to report it every 30 days '', " We can not help you reporting the latest balance '', " We do not have an ETA when we will report the correct information '', " We reported the right information the last time, and we will report the right information next time but can not tell you when '' and so on. 

It has been a very unpleasant experience overall and has been significantly impacting my credit scores as my new balance is XXXX, but XXXX XXXX is not reporting it correct right now.
Product: Credit reporting or other personal consumer reports

I'm baffled by the repeated denials of my identity theft claim. This situation is incredibly frustrating and exasperating, and I can't comprehend why this is happening. Who granted you the authority to dispute my status as an identity theft victim? I have a clear understanding of my own situation, and you are not in a position to act as judge and jury. 
According to the Federal Trade Commission ( FTC ), if I provide an FTC identity theft report filed with a law enforcement agency ( which happens to be the FTC ), you are obligated to take action. So, why are you not adhering to the guidelines? 
I'm extending one final opportunity for you to rectify this situation. Please delete this account : XXXX XXXX  XXXX