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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. The following accounts have been reported inaccurately and I request that they be removed from my credit report : XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXX Collection Account I have carefully reviewed my credit report and have found that these items are not accurate. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. 

Furthermore, I would like to draw your attention to the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive or harassing tactics when attempting to collect a debt. The collection practices of these companies have caused me undue stress and XXXX 

I request that these items be removed from my credit report as soon as possible. If the items are not removed within the legally required timeframe, I will be forced to take legal action to ensure that my rights under the FCRA and FDCPA are protected. 

Thank you for your prompt attention to this matter. 

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

I got a letter in the mail with a credit card in it to activate. I never activated the card but I contacted the company and I was told I applied for the card. However, I did not apply for anything. I did have identity theft in XXXX, XXXX, XXXX and I thought I got everything squared away but it's happening again. I have numerous of inquires on my credit report that I did not authorize.
Product: Credit reporting or other personal consumer reports

Please removed fraudulent accounts and hard inquiries off my credit profile from Experian, XXXX, XXXX XXXX immediately. 
XXXX XXXX {$55.00} XX/XX/XXXX XXXX XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX {$320.00} XX/XX/XXXX XXXX BXXXXNK XXXX XX/XX/XXXX
Product: Checking or savings account

On or about XX/XX/2019 I went to Key Bank in XXXX Ohio to open a checking account per their mailing. The offer states to get {$400.00} open a checking account with a one single deposit of {$500.00} or more within 60 days of opening account. When I got to the bank they informed me that I have to make {$500.00} deposit every month. Nowhere does it says you have to deposit {$500.00} every month. This seems to be a bait-and-switch tactic on the part of the bank
Product: Credit card

Please review the attached documents. I request the bureau to start an inquiry into these accounts, as I am never late, yet they are inaccurately reporting me as such.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX  # XXXX Account Name XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX  - XX/XX/2023 XXXX XXXX  - XX/XX/2023 XXXX XXXX - XX/XX/2023 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: Credit card or prepaid card

I entered into an agreement with American Express credit cards on XX/XX/2018, responding to an offer of XXXX Delta Sky Miles to agree to obtain a credit card with American Express and spend {$3000.00} within the first 4 months of opening the account. The credit card was obtained XX/XX/2018 and the required spending of {$3000.00} was met on XX/XX/2018, however, American Express has not honored the terms of the agreement and I have not been granted the XXXX Delta Sky Miles as of the writing of this complaint XX/XX/2018. I have contacted American Express about this issue and was told that they have decided not to honor our agreement based on my relationship with them. Additionally, I have asked for a transcript of the conversation stating that I was being denied the bonus, and this request has been denied also. I am asking for assistance in resolving this matter and holding American Express responsible for adhering to the terms of our agreement. American Express is stating that I was denied the bonus upon application, however, this is did not happen. I have a dated screenshot of the credit offer I applied for and was approved for. This screenshot has been attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries appearing but not placed b me the following Hard Inquiries were not made by me XXXX XXXX   XXXX, XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX Equifax please provide all methods used to verify this as accurate nd all tools used to verify these accounts as accurate
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 15 USC 1681. 

XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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

I filed a complaint against Home Depot for attempting to collect charges made on my charge account that were fraudulent. Citi Bank sent me a letter notifying me the account was re opened and was going to be investigated. Friday I received a letter from Home Depot stating I closed my claim against them and I have agreed to pay the bill. This is not true. I called the number listed on the letter and stated to XXXX that I did not authorize this action. I filled out the paperwork denying the action and faxed it to the number provided. Today I received a letter from a debt collection agency on behalf of Home Depot / Citi Bank and last Thursday I was contacted by a debt collection company trying to collect this debt. 
We are not finished with my open claim. I did not make the charges. We have an open investigation. I am waiting for resolution of this issue. It seems Citibank is railroading me to pay this debt. 
In closing, this claim has not been retracted and Home Depot did not perform their due diligence. This matter was not looked into, the case was opened and nothing else was accomplished on their end. While under investigation this debt is on hold. I do not NOT make the charges not EVER open this account.
Product: Checking or savings account

XX/XX/XXXX I deposited a refund check into my account the check was placed on a 7 day hold and the hold was released XX/XX/XXXX, my account was then restricted and after a couple days closed. Ive called and keep getting the same answers or different answers on how they have to verify with the treasury that the check is real so they can release the funds to me. Ive called the IRS in hopes of just getting a new check sent out but they stated the check was cleared n cashed on XX/XX/XXXX and the treasury has stated they havent received an email. It is now a new year XXXX and I still get the same answer they have to wait on a simple email back. I dont understand how this is possible they can just hold money that isnt theres.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these companies have fraudulent inquiries on my credit report and Im requesting they be deleted in accordance to the consumer credit laws
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this problem several times with Capital One Bank and the three credit bureaus over the past year with no results. I had two credit cards with Capital One that I let get behind, but when my finances got better a few months later I called Capital One and paid my debt in full. They had closed the accounts and reported charge offs to all three credit bureaus. All I asking since I did honor my debt with Capital One that they remove the charge offs on my credit reports since the account is now closed. And during the same time I had a credit card account with XXXX XXXX, I also honored my debt with them paid in full. They have an internal collection agency, XXXX XXXX  XXXX, I reached out several times to both companies and they tell me they no longer have my account, so neither company can remove the charge off from my credit report.
Product: Credit reporting or other personal consumer reports

I received a copy of my ( XXXX, Equifax, XXXX ) credit report, and noticed a collection that needs to be deleted. It is as follows : XXXXXXXX XXXX XXXX : Account Number - XXXX Equifax has violated my consumer rights and violated federal law ; I have proof in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is noted below. 

15 U. S. Code 1681b ( 2 ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.

I did NOT give Equifax written authorization or written instructions to report this information. 

You have not only violated the Fair Credit Reporting Act, but your agency has committed aggravated identity theft and I've sustained defamation of my character, just to name a couple damages should this matter escalate to court. 

XXXX XXXX XXXX has violated my consumer rights as well, which is noted below in 15 USC 6802, so you are both liable for a lawsuit in conspiring against me if this matter doesn't get resolved privately now. 


15 U.S Code 6802 - Obligation with respect to disclosures of personal information. THE LAW CLEARLY STATES : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless - Such financial institution clearly and conspicuously disclosures to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information not be disclosed to such third party ; The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such disclosed to such third party ; and The consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

A : XXXX XXXX XXXX did not disclose to me the consumer that the information reported would be disclosed to the third party, AKA the consumer reporting agencies. 

B : XXXX XXXX XXXX did not give me an opportunity to direct that such information not be disclosed. 

C : XXXX XXXX XXXX did not give me the consumer the explanation of how i could exercise the non disclosure option The law basically states that if all XXXX of these disclosures were not provided to me, that is a direct violation of the law and I have the right to exercise opting out. 

All 3 of these disclosures were not met, therefore i am demanding to opt out of having my information reporting and demanding the reporting information to be DELETED from my consumer report OR I will seek to take legal action against your agency for willfully violation the law after I've clearly explained to you how you've violated me numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 while I was viewing my Transunion credit report I noticed there were addresses listed that I have never lived at before, employers that I haven't worked at before. I have attempted to handling concerns with Transunion on by mail and I have not recieved any further correspondence. The addresses that I have never lived at before are as follows XXXXXXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX. I have also not worked at XXXX XXXX XXXX XXXX.
Product: Debt collection

I had a workers comp visited ( XX/XX/XXXX ) that had to be approved by the adjuster before I could even go to therapy. XXXX  never contacted me until I moved two years later. ( XX/XX/XXXX) I asked them to contact XXXX & to please stop calling me. They were interfering with my job. Well they kept calling and telling me this is my bill & they now call from multiple numbers, multiple times a day. They dont even leave voicemails anymore. I am tired. I cant answer my phone because I maybe told about a bill that isnt mines its very stressful. I have to block all the numbers they call from so my phone isnt ringing all day & my battery doesnt die.
Product: Credit reporting, credit repair services, or other personal consumer reports

Resurgent Capital Services bought this item from XXXX XXXX on XX/XX/2016. This account is still showing open on my credit report. It is included in my bankruptcy case number XXXX in the southeastern district of Michigan
Product: Credit reporting or other personal consumer reports

I had unauthorized credit ( hard ) checks which led to substantial decrease in my credit score, I would like to report the following credit checks from various credit unions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I tried to call the customer service number to report the same, but was unable to proceed without the card ( s ) details and could not connect to a representative to report the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX with account number XXXX This account is listed as being XXXX  days late. I have never been late on this account. 

In accordance with the Fair Credit Report Act, 15 U.S.C 1681a ( 2 ) Exclusions : ( A ) ( i ) states report containing information solely as to transactions or experiences between a consumer and the person making the report. 

Therefore, any transactions SOLEY made between a consumer and the company CAN NOT be reported on the consumers credit report. I have included this section from the FCRA along with this letter. Please see attachment.
Product: Checking or savings account

Hello, I opened a business account just two weeks ago at the XXXX XXXX ( XXXX ) Business Center XXXX XXXX XXXX XXXX, XXXX CA for a new business. After opening the account with the business account representative XXXX, we both walked to the front counter and deposited {$10000.00} case into my BOA Business account with the business clerk. She counted the money in the machine and then said she would deposit the funds. Today I logged in and noticed that my Bank of America Business Account balance is XXXX XXXX. There is no transaction or transfer history as I have not even had a chance to use the account yet. 

Where is my money? I am going to miss a bid on a property for my business because of this!! The money isn't there. 

I have cc'ed the account representative tha assisted me with opening the account. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA Acct : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was sent a printed out picture of item I thought would be a physical belt. No where in the description did it list printed picture its a clear scam and I cant get any help since there is tracking for it I submitted evidence to XXXX and Wells Fargo and have been denied and getting the run around from both. The seller has even changed XXXX name at this point from XXXX to XXXX.
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. In addition, I I did not give XXXX my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which permission to furnish this information onto constitutes as fraudulent activity and is also a serious breach of my privacy rights. To Whom it May Concern ; This is about the Consumer Credit Transaction initiated on date with your financial institution executed by way of signing an Agreement ( " Document '' ). As per 15 USC 6827 ( 3 ) The term document means any information in any form ''. The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. In the above definition Consumer Credit Transactions, without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated 3rd parties ( i.e XXXX, XXXX, Experian ) According to 15 USC 6809 ( 4 ) ( A ). The term nonpublic personal information means personal identifiable financial information Therefore, as per the literal interpretation, the organization name XXXX XXXX and Experian are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. In case your Company admits that the organization name XXXX, XXXX, and Experian is affiliated, it has still violated the provisions of FCRA the ( Fair Credit Report Act ). Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control. Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that is the Company wants to communicate other information amongst persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer should be given the opportunity to direct that such information not be communicated among such persons. Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 XXXX 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX U S DEPT OF EDXXXX Account XXXX XXXX U S DEPT OF EDXXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX US DEPARTMENT OF EDU Account # XXXX US DEPARTMENT OF EDU Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Product: Debt collection

I went to XXXX XXXX and have a personal and federal loans for stuff i never completed because they wanted me to take out more loans