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

15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.
Product: Debt collection

Cash Central tried to collect for a debt from 2011. The debt was sent to XXXX XXXX. This account is too old to be reported, and it is also not my account. I recieved no communication from XXXX XXXX on it. They put the info on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX MI, XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Inquired on XX/XX/2021, XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Inquired on XX/XX/2021, 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account number ( please contact for ), has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. This is stated as the late payments on my credit report and being shown to outside lenders that pull my report. When I called to setup a payment plan when hours were cut at my job last summer, I was not informed that the payment arrangement meant late payments still being reported to the bureaus. Before this, I never had missed/late payments and would like them removed from my report.
Product: Debt collection

Per FTC Regulations, I am officially requesting for Santander or any of its ' affiliates to contact me via phone ( especially XXXX ) at any number nor my references. Please feel free to communicate via writing per US Mail. Best regards, XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX Dear Customer, Thank you for your recent web submission. For a better assistance, Santander Consumer USA offers you two options : You can contact us at our relay number at XXXX or you can contact us through our Live Chat feature. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My correct date of birth is not reporting on my credit report. 

XXXX Incorrect addresses are reporting on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I sent a letter to Stallings Financial Group requesting that the company validate the debt with XXXX XXXX XXXX. I asked that the company send me the original contract, the contract between Stallings Financial Group and XXXX XXXX XXXX, documents showing that the company is registered to collect in my state and a complete accounting record of the account. The company responded with a statement of charges. A statement does not qualify as debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This last response from XXXX XXXX XXXX Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response We are sending the customer a letter advising that we previously sent requests for the inquiries to be updated ; however, to further assist, we reached out to Equifax on his behalf to confirm the inquiry update. We further advised to allow until XX/XX/XXXX for the update to occur. 
DESCRIPTION OF NON-MONETARY RELIEF Credit bureau inquiries changed from hard to soft
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for XXXX and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain XXXX due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under XXXX XXXX XXXX XXXX section XXXX ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX, XXXX Account XXXX : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Payday loan, title loan, or personal loan

I requested to change my bank account XX/XX/XXXX ( XXXX XXXX ) from XXXX XXXX XXXXXXXX to XXXX XXXX XXXX, however the company never changed the account even though I got approval more than 5 business days before my payment date. They continued to pull which caused me {$70.00} in fees that they refuse to credit back. After emailing them and asking them to fix this, they closed my account, won't let me log in to make payments, and will not return calls trying to fix this. Then they reported to my credit report that I'm 60 days late and won't take payment.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Greetings. I used XXXX to purchase {$250.00} of XXXX XXXX XXXX tickets on XX/XX/year>. Wells Fargo is my bank and marketed XXXX as a means to buy items online and transfer money. XXXX XXXX was on the front page of their mobile app and given prime real estate on their website. After payment of my tickets, the seller went dark. I immediately called WellsFargo to initiate a return or stop on this transaction. At the time, a rival service XXXX would very quickly reverse charges when there was fraud suspected and validated. I was shocked when WellsFargo refused any investigation and blamed me for the error. Their position was they did their job in sending payment. 

I vehemently take issue with this position as their job as a financial institution is the serve and protect their customer. Rather, WellsFargo took the opposite approach and shifted blame to the customer. I contacted the CEO 's office and filed a complaint and had a series of phone calls, yet WellsFargo did not reverse their stance. Quite the opposiite as they went on to continue to promote XXXX on their mobile app and web site. I asked for them to completely remove any and all access to XXXX so I literally do not have any access to use XXXX in the future and they denied. 

While it's been a few years since this situation, I've continued to be bombarded by XXXX proliferation and marketing and wish to file a complaint to finally get my money back due to WellsFargo 's negligence of warning its customers of a fraud-ridden service they are providing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in dispute to the payment history reported from XX/XX/XXXX through XX/XX/XXXX. During XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I paid as agreed per a Trial  Payment Plan (TPP), a partial payment agreement, which was supposed to be reported to the Credit Reporting Agencies (i.e. Experian, XXXX, and XXXX). According to the recent credit reports I have received and my communication with each agency by phone, this information was not disclosed by XXXX. Instead, due to the partial payments, my payment history reflects 60+ and 90+ days late during the aforementioned period. I have a copy of the TPP that I signed and that was approved by XXXX, with highlighted statements. On page 2, bullet 7, it states “Please note that except for your monthly mortgage payment amount during the TPP, the terms of your existing note and all mortgage requirements remain in effect and unchanged during the TPP.” On page 2, the 3rd bold section under “Additional Trial Payment Plan Information and Legal Notices state, “Your current loan documents remain in effect; however, you may make  the Trial Payment Period Payment instead of the payment required under your loan documents.” (I also have monthly statements from XX/XX/XXXX-XX/XX/XXXX showing the dates these payments were received.) Despite the acceptance and fulfillment of this TPP, and despite reassurance from 3 different XXXX  representatives each month that I personally made the TPP payments by phone, I have incurred 60+ and 90+ late payment marks on my credit report with XXXX. The TPP document clearly states that I may make these partial payments; the TPP payment agreement is the exception, but all other mortgage requirements remain in effect.
Product: Checking or savings account

I bank with Truist and have for over 35 years I realized on XXXX XXXX that I had a loss of {$25000.00} on my checking account due to mobile transfers .I called the fraud department to report and went to the bank the next day which was monday XX/XX/XXXX, ( total fraud ened up being {$26000.00} ) My Sister will be filling a report with you also, her loss was close to {$25000.00}. 

My sisters name was on my checking account and had been since about XXXX. My sister has a grandaughter ( age XXXX ) who had received about XXXX in a settlement, she had her name added to the checking account her grandaughter opened to monitor the account so she would not blow it. 

So what happened is the grandaughter blew her money, and then processed mobile transfers from my sisters account and when she cleaned her account out, she did the same to my account. 

A claim was filed by the bank on XX/XX/XXXX, and the very next day a letter was issued and sent to my sister which she received about 10 days later .The bank denied the claim saying there was no loss. Neither myself or my sister authorized these transfers. 
The bank manager was the one who filed everthing and put under my sisters name. Then we appealed the decision on XXXX. We waited was told on this takes time, we waited. I called in XXXX, and XXXX still being worked I was told. XXXX I called first part of the month and was told the appeal was denied XX/XX/XXXX and the bank manager was sent a email. I called a few more times to ask why a letter was not sent to say the appeal was denied and why had i been told it was still worked on. No apology, They acted as though i was asking something very unusual, and told it was just an appeal. 
There were never an alerts sent to my sister or myself about unusual activity on our accounts. ( Example 3 transfers done on the same day totaling XXXX ). I recently sent a email to the corporate office who is " looking into it and this will take some time ''. 

I am prosecuting the grandaughter and she admitted to the detective it was her that did all of this. We gave the bank the police report. They seem to think me and my sister just gave a XXXX XXXX XXXX all the money from our checking account. What about the Electronic Funds transfer act, would this apply .Hoping you can give us some direction and appreciate your time Thank You XXXX
Product: Prepaid card

I purchased a puppy at XXXX XXXX, not even a good 24 hours later I discovered that my puppy was sick. I had to rush him to the vet the following day where he was diagnosed with XXXX XXXX. Soon after, I contracted his XXXX XXXX and my doctor had to prescribe me antibiotics. My dog was sold to me and they guaranteed me that he was healthy, but he wasn't. I ended up calling XXXX XXXX XXXX and they paid XXXX XXXX a surprise visit, only to find more XXXX puppies that had to be removed immediately and had to get them emergency vet care. XXXX has a long history of selling sick puppies, but I didn't know that until after researching them when me and my dog were sick. In addition, the XXXX XXXX Police officer thanked me because he said that I saved some of the dogs lived. In addition, the veterinarian that checked off the dogs saying that they're healthy is now under investigation with the medical board. XXXX have stressed my life selling me a sick dog that I got sick from and that I had to nurture to good health. I had to get better and we were both on antibiotics. XXXX stated that they wouldn't refund me because I didn't take the dog to the same vet they use that claim they're healthy when they're not. I didn't want to take him to that vet who lie to customers and pass a bill of health, when in reality the dogs that they sell be sickly. Please help me and I do have reports from the state, from XXXX XXXX, the vet, and the XXXX XXXX  officers. I never should've had to go through this and neither should my dog. Please help me and the others who purchase from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Transunion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Please update ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$7900.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2300.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and DEPT OF ED/XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This collection company has no contractual agreement in place with me nor any type of permission to communicate with me yet they are reporting on my consumer report which is a form of communication. This is a fraudulent account reporting on my credit The company has not provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX XXXX. That means I have no contractual agreement to pay them an alleged debt Under 15 US Code 1692f ( 1 ). Unfair Practices Please delete this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was informed that the bank denid my request to remove the delinquency charge. 

They admitted that the mail had bounced as I had not been able to receive mail due to the homeowner who sold me the home losing the keys, and that XXXX Bank had the incorrect email on my file so I did not receive any email notifications about my delinquency as well. 

I thought my account was setup with XXXX and enrolled in autopay, so when I found out that my score dropped XXXX points due to a delinquency charge ( unknowing that another bank had taken over my account ), I immediately found out whom owned my loan by searching XXXX and paid off the debt. 

Because there are a lot of phishing calls, when they called me to notify me of delinquency, I would immediately hangup because I thought it was a scam because in my head, I was auto enrolled in my mortgage payments and no bank would call me. I figured they just wanted my personal information because I had never heard of this bank.
Product: Checking or savings account

I was out on a work trip in XXXX and realized I had lost my debit card on XX/XX/24. I immediately logged into my Wells Fargo account to turn the card off and called Wells Fargo to inform them on the situation and file claim on transaction that were not completed by me or authorized by me. A claim was initiated and I was told I should have a response by 10 business days. I called back the XXXX day and was told my claim was denied because I had used the card and entered the pin. Im pretty sure this is not the situation as I didnt use the card and I didnt provide the pin to anyone. While I was on the phone they said it had been denied because I had funded the transaction. Well first of all banks are to have money in them arent they. Second I was traveling for work to a different country of course I needed to deposit money into the card in case of an emergency. I wasnt checking my account 24/7 to have caught this earlier because I had XXXX XXXX in there and was only purchasing to buy XXXXXXXX XXXX  which I paid via XXXX XXXX. The excuses they are giving make no sense to whats going on. The purchases made were not made by me and thats a fact. Why would I be doing purchases in a home improvement store if I dont even have a home in that country. I live in an apartment here in the US. No alerts were sent and no fraud freeze was done even though the purchased happened in a different country and some above XXXXXXXX XXXX. Ridiculous if you ask me. XXXX claim number is XXXX.
Product: Credit reporting or other personal consumer reports

Seventh Ave is account name Date opened XXXX Acct closed XX/XX/XXXX They have me marked down for two late payments, XXXX XXXX of XXXX and XXXX XX/XX/XXXX. I have been disputing these two late fees from day one. I file complaint after complaint. I call and call. I request documentation showing my credit contract w them and never receive. I want these taken off my account. There is NO DATA showing for most of my payment history but two months Im late. How can they show NO DATA for over 60 % of my credit history but then put me late for two months. Its obvious their record keeping isnt accurate or they would show the other months reporting which they do not show. I want this removed. Please inquires
Product: Credit card or prepaid card

On my most recent statement ( XX/XX/2018 ), I was charged a " minimum interest charge '' of {$1.00} even though my balance subject to interest rate was {$0.00}. I tried to contact Bank of America to dispute this but was unable to find contact information except for a phone number which had a long wait.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX