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

I did not apply for anything in XXXX and XXXX! Must be XXXX!! I contacted the below creditors and they said it was done online and not in person. They have NO proof I initiated these inquiries, nor written authorization and have failed to provide any permissible purpose. There are no accounts associated with these inquiries and I ask for their removal from my credit report. 

I have already filed a complaint and was told to come here. 

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called ( permissible purposes ) that must be met before anyone can inquire a credit file. 

If you have no proof immediately of any or one, I would like it removed immediately. 

Please have these fraudulent unapproved inquiries below removed from my Experian credit report as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 My correct name is XXXX XXXX XXXX and XXXX is XXXX XXXX XXXX Please delete ALL fraudulent names from my report My current address - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Please remove all incorrect fraudulent or older XXXX XXXX ) addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 

Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

Please refer to the attachments pertaining to the Equifax Data Breach. 

I have been affected by the data breach and I'm now affected the accounts need to be removed from my credit report as its negatively impacting my report. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

Re : American Express Bluebird prepaid debit cards Beginning around XX/XX/2020 people started finding themselves locked out of their accounts online and via the Bluebird app. Calling the one customer service number ( XXXX ) only gets you a recording and hours on hold with no one picking up. Ever. There is no email address. American Express will only refer you to this number or Serve at XXXX, another number which no one answers. 

JUST TO EMPHASIZE HERE, CONSUMERS HAVE BEEN UNABLE TO ACCESS THEIR OWN MONEY FOR 3 WEEKS WITH NO EXPLANATION WHATSOEVER FROM AMEX, XXXX, SERVE, OR ANYONE ELSE. THIS IS AMERICA. THIS IS UNACCEPTABLE AND CRIMINAL. 

These are prepaid debit cards onto which consumers can have funds directly deposited. For example, I had my employer deposit a small portion of each paycheck to my card, which I used for gas. But some people may have their whole paycheck deposited to it, or their unemployment, stimulus money, or tax refund. NONE of which is now accessible. American Express claims they have nothing to do with the debit cards that are emblazoned with THEIR name and logo. XXXX is the company Amex sold this division to : XXXX XXXX XXXX
Product: Debt collection

They still have refused to show me any original contract showing proof of debt owed further more I think it is ridiculous that they are allowed to verify dept without showing other parties what is being used to validate such dept
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give consent to have my credit inquired upon by all of these companies
Product: Checking or savings account

Between XXXX XXXX and XXXX XXXX my account was assessed {$910.00} dollars in overdraft fees XXXX XXXX {$70.00} XXXX XXXX {$170.00} XXXX XXXX {$140.00} XXXX XXXX {$140.00} XXXX XXXX {$100.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$100.00} XXXX XXXX {$35.00} After becoming aware of the extent and amount of the charges I contacted the bank and via phone call and an in person visit they refunded me {$320.00} dollars of that amount. Still given the fact that this was not entirely my fault I feel they should give me back more than what they currently have. I have been with the bank for 8 years and have been loyal to their brand.
Product: Credit reporting or other personal consumer reports

I sent in my letter for Equifax to review after I received my credit report to ask them to investigate the things on my credit. I had XXXX and been recovering for about 8 years. I had many surgeries. I got sick in 2015 and hadn't look at my report in years. So the information here is wrong. I also filed a fraud report with police and with all 3 credit unions. I know I had several fraud acts but my accounts are locked now. My report from Equifax came back with the same information on it. In fact there is more on there than what I reported initially, so I was concerned about it. Equifax said they did a re-investigation on the paper. How can you do a re-investigation if I did not send anything for you to re-investigate? It was the first time I sent something. I feel like my rights are being violated by Equifax under the - FCRA Violations, Section 609 Stipulations,15 USC 1692, 15 USC1602, 15 USC 1601, and 15 USC 1666 concerning their investigation towards me.

Thank You for your help
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.

has violated my rights. 

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, 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 15U.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 then 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: Money transfer, virtual currency, or money service

In XXXX and XXXX, two or three large sums were sent to unknown persons. I disputed these transactions and never received the assistance I needed. Additionally, a smaller amount was sent in XXXX I believe
Product: Checking or savings account

1. On XX/XX/XXXX, I had heard of a lead vendor named XXXX which is supposed to supply lead info for mortgage inquiries by consumers- through previously unknown members of a XXXX Group for mortgage loan originators. In hindsight, I guess they were apparently working as solicitors for this scam ( see attached pdf titled, solicitors ). 
2. Believing their recommendations, I contacted the company XXXX and spoke with XXXX XXXX on XX/XX/XXXX, who verbally promised me everything I was told by the two solicitors and also promised to give me a free bump up to Advanced package for Starter price ( which entitled me to XXXX NEW lead credits for next 6 months, + 2 free XXXX day old leads per day [ Legacy Lead, they called it ] ) ( see attached pdf Verbal Promise page 2 ) there was no contract signed, no DocuSign agreement- all of this was verbal- I am just a stickler for details so I had e-mailed this screenshot to myself at the time ) 3. I was sent an e-mail receipt during off-business hours on Sat XX/XX/XXXX XXXXXXXX XXXX ( see attached pdf titled Receipt from XXXX ) 4. Within 24 hours of utilizing their system, I realized that the data were false and these people whose information XXXX is selling never applied for any of this, so I contacted XXXX and demanded immediate cancellation and full refund. ( Please see pdf titled, Cancellation & Refund Demand in Writing and Some of XXXX Complaints ) 5. Once XXXX called back and stated there is no refund, I hung up and called Wells Fargo and filed a fraud claim on XX/XX/XXXX, the same day the charge appears on our business account. 
6. Wells Fargo sent us their first letter dated XX/XX/XXXX informing us of provisional credit of {$2100.00} we were charged by XXXX. ( please see pdf titled, 1st Ltr received from WF XXXX '' ) 7. On XX/XX/XXXX at around XXXX PST, I contacted Well Fargo and spoke with representatives XXXX XXXX XXXX at Wells Fargo Claims Assistance Center , as well as a supervisor named XXXX XXXX explaining the scam I was victimized by in detail. 
8. On Tuesday, XX/XX/XXXX XXXX XXXX, I sent a detailed e-mail to Wells Fargo Fraud Investigation Dept ( please see attached pdf titled, E-mail to WF XXXX '' ) 9. Wells Fargo sent us their second letter dated XX/XX/XXXX informing us that they will take back the provisional credit of {$2100.00}, were charged by XXXX, stating " charges were made by you or someone who had your permission. '' ( please see pdf titled, " 2nd Ltr received from WF XXXX '' )
Product: Debt collection

XXXX  XXXX account # XXXX Unpaid balance reported as a loss by credit grantor Balance is {$0.00}. Income should not be on y credit report, They are reporting false and misleading information on my credit report. 15 usc 1681eb says my consumer file has to 100 percent accurate I have no knowledge of this account, if this was charged off it can not be still be reporting. you must remove or submit a 1099C because you can not collect on a charged of account that you submitted to the IRS please remove and suppress. please update credit report
Product: Debt collection

This is letter is to inform you that i am disputing this debt. After receiving a response to my original dispute letter, I contacted the original creditor who was unable to verify this account as mine. Please delete this furious account off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained an online copy of my credit report and the name on the report is not my name. I spoke with Equifax this afternoon and informed them that the information is wrong. They told me that information has been reported on my report under that name. I asked them to provide the name of the company reporting this information and they told me they did not have that information. They asked me to mail a copy of my social security card and my id. They told me they would not remove the information that was reported and would correct name once they receive my identification.     I have sent Equifax copies of my social card and my  State issu ed identification card several times in the recent past to obtain my credit reports. Yet, this agency has used my social security number, they have created a new credit file using a name that does not belong to me, and they have allowed companies to report false information linked to my credit report using my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint to urge the Credit Bureaus to correct and updtae the disputed accounts from my Credit Report. I am submitting this compkaint addressed to the Credit Bureaus in response to their current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix : XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX  XXXX Balance Owed : {$1500.00}
Product: Credit reporting

I have a XXXX credit cards with credit score report AND IT CLAIMS I HAVE A CREDIT INQUIRY IN THE LAST 3 MONTHs this is untrue XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- XXXX XXXXXXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit card or prepaid card

My monthly bill payment is setup for AutoPay through my bank checking account. My checking account was potentially exposed for Identity theft and bank advised me to freeze that checking account and open a new one. The bank also advised that any payment in process may not clear. 

Unfortunately, my Autopay payment was in process and did not clear. So, I called the credit card customer service explained them the situation with my frozen checking account, and made payment through my newly established checking account successfully. 

Credit card company continued to make additional attempts to withdraw funds as per the AutoPay setup from my frozen account. The company charged me for Return payment charges after two additional attempts post my payment on XX/XX/XXXX. 

I called the credit card customer service to credit the fees but the response was - it is a legitimate charge and can not be undone. 

It is incorrect to have automated system try to collect funds through AutoPay channel after the payment was posted through another channel. This is a bad customer experience and potential for double payments ( and these could be large sums ). 

As a courtesy, Credit Card customer representative gave me XXXX miles credit to my Delta skymiles account. I told him that I'd rather have the incorrect charge corrected and he provided me with Corp services US Mail address but without any SLA commitments. 

Thus, I am reaching out through this portal for just resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX New Inquiries XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit card or prepaid card

on XX/XX/XXXX amazon store card through synchrony bank, withdrew a payment from one of my accounts for XXXX, which was the full balance on my amazon card. I didnt wish to or choose to pay my balance in full, only pay a standard payment of {$100.00} dollars. I contacted them and they refused to admit any fault on their part or help in any satisfactory way. this payment they took caused my bank account to go over {$1200.00} in the negative, which was a hardship and prevented me from paying any of my other debtors. I contested the charge through my bank on XX/XX/XXXX, and they found that this charge was an error and the money was returned to my account. after this happened, I made my account through synchrony/amazon current as far as payments go. Today, on XX/XX/XXXX, I recieved a letter from synchrony, stating that they reduced my credit limit from {$6000.00} to {$1700.00}, which is barely over my current balance with them. This seems like a retaliatory action on their part, and it will adversely affect my credit score, I had used this card for quite some time with no problems until recently, with even higher credit to debt ratios on this account and others.
Product: Credit reporting or other personal consumer reports

RECEIVE A COPY OF MY CREDIT REPORT AN NOTICE 2 INQUIRIES ( XXXX XXXX XXXX XXXX ) XXXX XXXX ) THAT WAS NOT AURTHORIZE BY ME
Product: Debt collection

I was contacted on XX/XX/2021 at XXXX by a woman from Peragon Revenue Group to collect a {$790.00} medical debt. When i explained I thought I had already paid and questioned the validity of the debt, she got extremely angry and told me I was incorrect and this was for the hospital not medical provider. I asked for validity and she continued to become angry and I told her I wasnt going to pay without proof. When I said that, she told me fine, I will call the hospital and tell them to put this on your credit report and it will affect your credit! I have rights to ask for validity which she denied and I have rights not to be threatened for a debt I will gladly pay once validated!! Unacceptable.
Product: Credit card

I am the primary account owner of an Apple Card ( issued by Goldman Sachs Bank ) for about a year and I share the card with my mother, XXXX XXXX. She used the card to rent a car for a week while her car was being repaired. She is elderly, requires XXXX XXXX and found the car to be too big. When attempting to exchange the car for a smaller car, the transaction was flagged as being suspicious. I never received a text, email, phone call or any kind of communication from Goldman informing me that I needed to approve the transaction. After being at the rental car counter for over two hours, my mom called me to tell me that the transaction was declined. I went into my Wallet app and confirmed the transaction, yet my mother and I were told that the card is restricted for 5-7 business days. 

I happen to be an attorney and have been working in Banking Compliance for twenty years and have never seen a situation where a customer confirms a transaction, yet still has no access to the card. My mother needs a car to see her doctor to schedule XXXX XXXX, is in tremendous pain and has been embarrassed by having her card declined. 

I am a XXXX credit card customer and commend XXXX XXXX for sending customers a text at POS and if they confirm the transaction, the restriction is lifted and the card is available for immediate use. If Goldman isnt able to inform its customers real-time and allow its customers to use their card immediately after responding to an alert, then it should not be in the credit card business.
Product: Checking or savings account

My name is XXXX XXXX. I was married to XXXX XXXX XXXX, not legally, but I was his partner/wife for over XXXX years. 

XXXX recently passed away on XX/XX/year>. As his XXXX XXXX and XXXX I've been handling all his affairs. 

Any bills at the time of my XXXX XXXX  death are still being paid by his XXXXXXXX, XXXX XXXX XXXX 

There was no life insurance and nothing to probate ; we shared a home together and paid expenses together for over XXXX years. 

Some accounts were joint accounts, some were not, but we both had full access to all accounts. 

I was given the TD Bank debit card and pin by XXXX XXXX XXXX in the event that something would happen. 

There are XXXX loans remaining : {$14000.00} and another one for {$11000.00}. 
The cost of the ambulance was around {$4000.00} that took XXXX to the funeral home. 
There is no headstone on my husband 's grave yet, but the cost is {$3700.00}. 
The funeral cost was {$18000.00} and there were other bills solely in XXXX 's that XXXX XXXX was paying for. 

All money owed that was solely in XXXX XXXX XXXX 's name is currently being paid by his partner and wife, XXXX XXXX ; nothing is outstanding or late. 

The TD checking account has been frozen, and I'm unable to access any money. The only money that my husband/partner had was the money in the TD checking account. 

I, XXXX XXXX, have the death certificate, funeral receipt, and proof that I have been paying other bills that were just in the partner/husband 's name only. 
I need the account TD checking unfrozen.
Product: Checking or savings account

My bank is not reporting my account information t o my payday loan  company called   XXXX   XXXX   in a timely manner
Product: Credit card

I have a Citi double cash Credit card ending in XXXX, I made a payment of {$9900.00} in XXXX was reversed in XXXX. Since then I tried contacting customer service team to get help. Citi think the payment I made was by error, then reversed it. But until now they still holding the funds never returned to the original checking account where it comes from. 
I started submitting evidence including checking account statement with this payment three times, but after two weeks of submission they told me they couldnt read the pictures or didnt received it.Until now their investigation team still not helpful. 

I started contacting them in XXXX, never fixed my issue.