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

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. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/2017 Balance : {$4800.00}
Product: Credit reporting or other personal consumer reports

Someone applied for credit in my name I know this because I was notified thru credit monitoring and it shows credit inquiries. 
* XXXX XXXX XXXX  XX/XX/2023 XXXX * XXXX XXXX XXXX XXXX XXXX EQUIFAX/XXXX * XXXX XXXXXXXX XXXX XXXX XX/XX/2023 XXXX * XXXX XXXX XXXX  XXXX XX/XX/XXXX and XXXX * XXXX XXXX  XX/XX/2023 EQUIFAX/XXXX XXXXXXXX XXXX  XX/XX/2023 XXXX I have called and they said they couldn't give information out, I did not apply for credit or apartment, I am requesting that these be removed.
Product: Debt collection

There is account from LVNV Funding LLC for a collection took account over on XX/XX/2023 from a company named XXXX XXXX XXXX XXXX  XXXX in the amount of {$920.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information listed on my credit report. Upon reviewing my report, I noticed contains inaccurate details. Specifically : My name, phone number, and address.
Product: Credit card or prepaid card

On several ocassions I requested a line of credit increase at least six times over the past twenty three months, However ever times I've been denided .I have another card from Synchrony Bank P.C XXXX and XXXX granted me a 50 % credit line increase in less than six months of opening, However XXXX Store card refuses to grant a line increase..
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

Account Name : 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 Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account XXXX : XXXX XXXX : Account XXXX Account Name : XXXX CARD : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX FCU : Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX XXXX XXXX XXXX : Account 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 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

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. 

Please see and review the attached file for what I am complaining about. Initiate immediate actions for this. thanks
Product: Debt collection

Glasser and Glasser after court date and again in XX/XX/2016. Iexplain to rep that I could not payment a large payment they was requesting and was advised to make good faith paymrents would prevent further action. my hours were cut and I am struggling to work due to health issues along with I am caregiver for my mother. I was n't able to send anything for a 3 months and I sent XXXX pymt in XX/XX/XXXX. I have sent several letters to them over the past year asking for reduced payment arrangement and proof of balance. No one can provide detail of where this balance contained. I feel being served a wage garnishment in the mail and I called again today and told they ca n't set up payment arrangement for less than {$63.00} a month. If I had an extra {$63.00} I would be paying that. I am working approximately XXXX hours a week at XXXX an hour and odd jobs and i have sold numerous items. I have n't ran from them and they refuse to work with me instead taking legal action forcing me to be stressed out and feeling threatened. If they do take money from my checking or pay check it will cause my mother and I to go without medicines and food and no transportation for doctors appts or the few hours I am allowed to work. I owe the IRS, VA Taxation, Student Loans, Rent, car payment I am getting ready to lose, car insurance, etc etc. I have asmall craft business but I do n't have the funds to even by fabric to resell or pay for my XX/XX/XXXX license. I feel I will be forced into BK and I ca n't afford that either. I have XXXX dollars in a checking account and another overdrafted I am trying to pay before the IRS comes after me. I am the caregiver for my mother and the little funds I make mostly go to food and medicines. Can someone please ask them to work with me? I ca n't handle the pressure of them not working with me. I owe the debt I do beleive the amount is wrong from the beginning but no one will help me and I want to pay this as bad as they want me to. Can you help me?
Product: Vehicle loan or lease

Santander consumer USA agreed upon a class action settlement from the year XXXX to present. The agreement state that are to forgive any loans provided between the year XX/XX/XXXX with qualifying factors. One of the factors being that the account had to have defaulted between the yearsXX/XX/XXXX in which my loan had done twice as a result of me not being able to keep up with the payments because of the increased interest rates. My states Attorney General did file a complaint within the class to deem all account holders eligible under those certain circumstances. I can provide proof upon request. This account is holding up from getting a house for my children. Any help provided will be greatly appreciated. This account is under litigation and should be deleted from my credit report.
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 U.S.C. 1681, 15 U.S.C. 1601 sec. 802 Fair Debt Collection Practices Act, 18 U.S.C. 1028 Identity Theft & sec ( A ) Aggravated Identity Theft, and Breach or violation of required contract. 

( Account Name : XXXX XXXX / Account Number : XXXX ), ( Account Name : XXXX  XXXX  / Account Number : XXXX ), ( Account Name : XXXX / Account XXXX ), ( Account Name : XXXX XXXX  / Account Number : XXXX ), ( Account Name : XXXX XXXX / Account Number : XXXX ), ( Account Name : XXXX  XXXX XXXX / Account Number : 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 ) ( 2 ) : States a consumer reporting agency can not furnish a account without my written instructions. 

- 15 U.S.C. 1681c. ( A ) ( 5 ) : 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 7 years.

- 15 U.S.C. 1681s-2 ( A ) ( 1 ) : States 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. 

- 15 U.S.C. 1601 Section 802 ( A ) : States Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to INVASIONS of INDIVIDUAL PRIVACY. 

- Breach of Contract States that whenever a party who entered a contract fails to perform their promised obligations, the remedy is monetary damages. In which I did not receive. 

- 18 U.S.C. Sec. ( A ) : States, whoever knowingly transfers, possesses, or uses, without consent, a means of identification of someone shall, in addition to the penalties for the felony, will be sentenced to imprisonment of 2 years, or five years for terrorism. 

*** Account # XXXX I am NO LONGER the OWNER of this item. As the lean and item was Purchased and auctioned/sold by XXXX XXXX XXXX XXXX XXXX XXXX XXXX " I AM NO LONGER RESPOSIBLE FOR THE SAID DEBT. '' [ Creditors transferred and/or sold my personal sensitive information to third party entities without my knowledge or consent, which on ALL parties is Aggravated Identity Theft and Breach of Contract. My rights to privacy was also violated by all initial contractors whom I entrusted in " GOOD FAITH. '' ]
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 confidentially under 15 USC 1681. 

15 U.S.C 1681 Section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c ( aX5 ) 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 crime with antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Currently, I simple need verification from JPMorgan Chase Bank National Association whether they directly sold my Note to XXXX XXXX XXXX. 
I know Chase did not directly sold My Mortgage Note to XXXX XXXX XXXX. 
But I need a written verification from Chase.
Product: Bank account or service

This letter is to complain about Chase rearranging bank transactions to appear different than they were in order to extract three overdraft fees that they were n't in titled to. Chase took one Amazon transaction and turned it into three separate actions in an effort to extract two overdraft fees that the should not have had. They then after my deposit was made and the account was brought back to positive, Chase rearranged transactions over the weekend when the bank was closed. to appear as if another overdraft fee had been extracted days after transaction had been made and fee was taken. Chase has intentionally rearranged the account to appear different in order to take money they were n't entitled to. Chase often does this and the call this action legal. They have intentionally extracted {$100.00} in fees they were n't entitled to.
Product: Credit reporting or other personal consumer reports

I am reaching out to request an investigation into these accounts, as there seems to be confusion regarding their accuracy on my credit report. These accounts were removed in the past but have been reinstated without my knowledge. I have not been informed of this change, nor have I received any related notifications by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DID NOT CONSENT TO AUTHORIZED NOR BENEFIT FROM ANY FOLLOWING PLUS THESE ARE OTHER NEGATIVE ITEMS CREATED UNDER MY SOCIAL SECURITY NUMBER. BLOCK AND REMOVE THEM.
Product: Debt collection

ENHANCED RECOVERY CO has placed a collection acct on my credit reports that is not mine and they will not validate this acct. 
It needs to be removed at once/
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Faiir Credit Reporting Act. Everything has to be 100 % accurate on my credit reports.The credit bureaus stated my account was properly investigated but as you see it is not and still reports inaccurately. Remarks are in accurate. Last day of activity is inaccurate on all three bureau reports. Payment history is inaccurate. Address is different on all three bureau reports. My privacy may have been violated as well with all three passing information around without my knowledge of it and where placed on my resports without my knowledge. None of the debts have been violated from the bureau as I requested on my letters. This also may be a violation as well.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf regarding late payments discovered on my credit record. Despite sending letters over 30 days ago requesting validation, I have not received any response, and they have failed to provide me with satisfactory validation of these entries. This lack of response and validation has created an ongoing issue with my credit report that needs immediate resolution.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I AM A VICTIM OF XXXX XXXX BREACH! 
1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.

2. Provide me with written confirmation of the results of your investigation.

3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.

4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and FICO.

5. Provide me with an updated copy of my credit report once the corrections have been made.

6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. 

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
Product: Debt collection

Jefferson Capital reported a past due phone bill related to an account over XXXX years old to XXXX and XXXX. They have repeatedly sent threatening letters to my address, and I have asked them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately 6 months ago I submitted a dispute with Ally Financial over a Failure to Pay annotated on all three credit reports from XX/XX/XXXX. 3 months ago, I called to inquire about the dispute, and they re-initiated the investigation. On XX/XX/XXXX, I had Ally Financial initiate another dispute for the Failure to Pay. I have not received any letters on a decision or any other correspondence from either of the previous 2 investigations. The auto loan from Ally Financial, in question, was paid off in full in XX/XX/XXXX. It should not have been a Failure to Pay on my credit report due to being paid off, which Ally Financial has conceded over the phone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX bank # XXXX National XXXX XXXX # XXXX Disputed because these accounts were open fraudulently presented my FTC report to transunion and they was reported as accurate and that cant be because these are not my accounts.
Product: Debt collection

After examining my credit report, I observed inaccuracies in the listed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Immediately delete these accounts because I asked for sufficient evidence from each company and the 15-day window has passed. Due to improper communication, I demand that these accounts be deleted right away, or I will file a lawsuit since my rights as a consumer have been infringed. I am appalled by your lack of assistance to consumers, and I urge you to reconsider. Please solve this case to my satisfaction or I will take additional action to obtain the results I require. My credit is very important to me, my rights are being infringed, and I am in a deep XXXX as a result of this circumstance.
Product: Money transfer, virtual currency, or money service

I tried doing an instant deposit of {$2600.00} back in XX/XX/XXXX. My bank approved the withdraw but robinhood never processed it. 2 days later, robinhood tries to do the transaction 2 more times, successfully removing {$5200.00} more from my bank account. That money never reached my robinhood account either. Since those extra {$5200.00} never showed in my robinhood account as a pending transaction, I assumed it was an error with my chase bank. I filed a claim with my bank for those 2 extra {$2600.00}. After 2 weeks of back and forth communication with XXXX customer service and the XXXX XXXX XXXX, They were able to confirm that those two extra withdraws were in fact successfully sent to robinhood. 

After filing a complaint with the CFPB on XX/XX/2024 for the initial {$2600.00}, I get that initial deposit in my robinhood account on XX/XX/XXXX. 
The other two withdraws from my bank for {$2600.00} each never reached my robinhood account and are still unaccounted for. This whole situation has been extremely overwhelming and Im really concerned I just lost {$5200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused my account to be banned permanently, significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not resolved my complaint they reopened XXXX accounts that were closed. XXXX account has been closed since XXXX. My complaint should still be open. I am being discriminated against and I will all be pursuing for legal damages for all violations of the FCRA against my credit.
Product: Credit card

As part of the agreement I entered into with Discover for a credit card, I was offered an additional incentive where they would credit my account with additional cashback rewards at the end of my first year. Once the first year came to an end I called Discover to confirm that those rewards were coming my way, and also to verify the amount. 
This is the transcription of the video recording I took during that phone call. 
XXXX : I wanted to just confirm one more time on the last thing we talked about, you said that all of the cashback I got from the last year was about {$350.00}, and then in a month or two I 'll get double that credited to my account? 
Discover : Yes sir, that is correct. 
XXXX : Okay, great, just confirming one more time, thank you. 
Discover : You 're welcome sir, have a wonderful evening. 
END As of today, XXXX/XXXX/2016, my end of year cashback rewards have populated on my account, but not in the full amount explained to me over the phone. The amount they credited was {$360.00}, this would be the amount referenced in the above dialogue that should have been doubled, but was not.
Product: Vehicle loan or lease

I'm writing to let you know that the ECOA is being violated by Global Lending Services and many other violations I can point out are being committed against me as a consumer. They have benefited from me without me benefitting which is security fraud and the company has gone against the UCC, Trust Indenture act of XXXX, Securities Exchange Act of XXXX XXXX XXXXXXXX. I have sent the company this letter I will have attached to this complaint. Also, I'm revoking their POA using the IRS 2848 form and appointing a new POA.