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

The following is incorrect personal information. Please remove the following items : Incorrect Address : XXXX XXXX XXXX ( Transunion, XXXX, and XXXX  ) Incorrect Address : XXXX XXXX XXXX ( Transunion ) Incorrect Address : XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX Incorrect Names : XXXX ( Transunion ) Incorrect Names : XXXX ( Transunion ) XXXX XXXX XXXX  - Open XX/XX/XXXX is showing that XXXX  is Inaccurately reporting late payment on XX/XX/XXXX. 

The following items is the result of error or identity theft. Please remove the following items : XXXX XXXX XXXX  is not my account XXXX XXXX is not my account XXXX  The following are unauthorized inquiries : XXXX  XXXX  XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an Equifax Breach victim. 
In XX/XX/XXXX I placed Fraud alerts on my account.

In XX/XX/XXXX I upgraded that to a freeze. 
XXXX received a phone application from someone using my social security number They willfully ignored the fraud alert and processed an application which resulted in an unpaid fraudulent account being placed on my credit after being put into collections. 
I live in Indiana and have never lived in Texas. In addiiton to the fraud alert they ignored, red flag rules should have flagged the application and they should have denied the request. 
Their willful actions have adversely affected my credit by 35 points and already wasted hours of my time. 
I was told at first when I called them that I needed to call the police. 
I declined and asked for a supervisor. 
She said they don't have any way to process fraud alerts. When I explained by law they are required she said she'd forward my issue to legal. 
I asked for the phone number or email and she refused to provide it. 
I asked for a copy of the application and she wasn't sure how to provide it. 
THis company is seriously incompetent in understanding credit law and consumer rights yet they have access to credit reporting agencies.
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 Accounts name # XXXX has violated my rights 1 These reflect FFIEC-approved procedures. 2 15 U.S.C. Secs. XXXX. 
3 15 U.S.C. Sec. 1601 et seq. 
4 Pub. L. No. 108-159, 117 Stat. 1952. 
5 Section 1029 of the Dodd-Frank Act generally excludes from this transfer of authority, subject to certain exceptions, any rulemaking authority over a motor vehicle dealer that is predominantly engage in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. 
6 The agency responsible for supervising and enforcing compliance with the provisions of the FCRA and the implementing regulations will depend on the person subject to the FCRA ( e.g., for financial institutions, jurisdiction will depend on the size and
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous communications regarding the correction of a late open account. This marks the multiple formal attempt to address this matter. 

As previously discussed, there appears to be an error in the opening date of one of my accounts, which is negatively impacting my credit history. Despite my repeated requests, the necessary corrections have not been made, and the late open account continues to inaccurately reflect my financial standing. 

I kindly request that you revisit this issue and take the appropriate steps to rectify the opening date of the account in question. Ensuring the accuracy of my credit report is essential for maintaining my financial integrity. With this, I am asking for your assistance to correct this account in my credit file : OAG CHILD SU XXXX Balance : {$4100.00}.
Product: Credit card

Probably over a month I ago I asked for some credit limit increases on my two Capital One credit cards and they offered a measly {$100.00} on each card ; not enough based on my income and spending. I need more credit as I have too much in my checking to risk using my debit card in society. Therefore I applied for another Capital One card and was approved for a {$300.00} limit. Apparently its all they will do so I accepted it and the card was mailed to me. 

I activated and barely used it due to my small limit. I used about {$57.00} of available credit and paid in full shortly thereafter. Up until today the balance was {$0.00} with {$300.00} available and also {$300.00} cash advance available. 

I was at a casino earlier tonight ( As this is XXXX XXXX ) and attempted to draw {$240.00} from it via ATM. The pin was correct and I had the available credit. The ATM said the pin was wrong and I didn't feel like calling in so I canceled it. 

I checked my app to see if I can update my pin there and saw the account was " Restricted ''. I called the customer service line to inquire why and they rep did not give me a reason for the random Restriction. The rep said he has some questions for me and asked me thee most brainless question on the planet " Did you open this card sir? '' Meaning I had it for a month, used it, paid it off, had no issues but was asked that stupid question. Yes I told him. He then said he has some verification questions. Sure here we go again. ( Just went through this with XXXX XXXX and I am starting to see a pattern of credit card companies abusing consumers with frivolous account freezes. ) His next question was " We need you to send in your bank statements for the last 90 days. '' I will NEVER do that, that is insane. The data in my bank statements is protected under Federal Law and is of no business to Capital One. If they wanted proof of income they should have asked when applying for this huge {$300.00} limit credit card.

How magical that my other two cards are just fine through Capital One yet this one isn't? 

Here 's my theory ; these card issuers will open the card for you ; you use it... then the frivilously freeze your ability to use it and ask for a plethora of unneccessary documents KNOWING that 90 % of consumers will not send it in, nor have the abilities to send it in. Then they close your account, hurt your credit by damaging the account age, also hurt it with a Hard Inquiry. They do this to keep consumers from improving their credit so they can continue to prey on individuals with bad credit. 

This has to be illegal and a form of fraud by Capital One to do this.
Product: Debt collection

I recently submitted a complaint in which the company has responded too by providing verification of the debt when I specifically asked for validation. I am giving this debt collection company one more chance to make this right. I received a collection notice in the mail and another violation I found was there was no instructions on the letter on how to dispute the debt. I am giving this company 30 days to provide proper validation NOT verification. The information will be provided in my detailed response below. I asked for proper validation such as contract or some legal contractual obligation that I have to pay that alleged debt. I see their response is if you think this debt is not yours that I should then open up a fraud case. I am demanding that this be ceased and deleted if credit management can not provide competent evidence that I have a legal contractual obligation or an original contract of when the account was opened up.
Product: Vehicle loan or lease

On the XXXX of XX/XX/year> I did a written contract with Bank of America to refinance my car. In the contract it was stated that my car loan in the other bank ( Santander ) was fully paid off by Bank of America. I received a letter from Bank of America that they opened an account for me and my next loan payment was due to XXXX of XX/XX/year>. In actual fact my car loan in XXXX was not paid off at the date of singing the contract with Bank of America. 
Several days later in XXXX representative of the Bank of America phoned me and informed me that the Bank of America issued the check for the amount of XXXX and sent this check to XXXX Bank, however, the check was stolen and then cashed. 
As a result, I became the victim of the fraud and forced to make payments on loans both at Bank of America and XXXX. 
Bank of America started the investigation. I requested to halt all payment demands until the investigation was completed and my loan in XXXX was fully paid off as it was stated in my contract with Bank of America. They refused to do so. On the XXXX of XXXX I made a monthly payment to XXXX account. 
Bank of America paid off my car loan in XXXX only on the XXXX of XXXX. As a result of this, I had to make my monthly payments to XXXX different banks : XXXX and Bank of America. Because of this I had financial loss in the amount of {$640.00} - monthly payment to XXXX.
Product: Mortgage

Dear Sir and/or Madame : As a XXXX, I would expect not to be taken advantage of especially with something as serious as a mortgage. I have as of yet to be given an accurate, ongoing accounting of my mortgage loan. When I have asked questions, I have been given incorrect and/or incomplete information. " The year 's end analysis '', I was told would clear up all my questions. It has not. Please help. It still shows problems with accounting and presents more questions. 
I was initially informed that the mortgage insurance would be stopped after a few months Itemization of Amount Financed / Settlement Statement Return of the per dieum I was erroneously charged The money I returned from FHA repairs Insurances cancellation and accounting for XXXX Bank - accounting, request for loan payment in full XXXX XXXX Inc. - accounting, letter of transfer XXXX - accounting XXXXg
Product: Credit card or prepaid card

I called in on XX/XX/XXXX and spoke with a representative in regards to a payment getting returned that I noticed on my Capital One Credit Card. She told me to contact the bank to confirm my account number. I submitted another full payment to try and pay my credit card off and I got the account number incorrect again by one digit. I just opened up this checking account last month so I was confused on the account number. The representative I spoke with on XX/XX/XXXX never mentioned my account could be subjected to closing if I have another returned payment. So I submitted a second payment with the full amount in which got returned because I got the account number incorrect again. My payment wasnt even due until XXXX. I called my bank again and they told me that instead of going through my Capital One App that I can go through my banking app. I did that. I submitted a {$10.00} payment and it shows it went through. However, capitalone closed my account. I have not even had the credit card for a full month. My payment wasnt even due. The payments got returned due to an invalid account not because of insufficient funds. Capital One never called me to notify me of my account being closed or assisting me in anyway to prevent my credit account being closed. I called in today, XX/XX/XXXX, and spoke with a gentleman named XXXX who was not helpful at all. Did not care to help me fixed the situation and basically said that Im out of luck. Im upset because no one made me aware or notified me of the consequences of getting my account number incorrect. I can understand if the payment got returned due to NSF but it didnt. I made a mistake with my new checking account number. My payment wasnt even due on this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reports 30 days delinquent account of XXXX XXXX XXXX. I never pay late the mortgage.
Product: Debt collection

On XXXX XXXX, 2015, I received a call from an XXXX number on my cell phone and since I was at work, the call went to my voice mail. My announcement on my voice mail, starts by identifying myself by first and last name. This call came in XXXX XXXX. At XXXX, I received a call from my father, saying XXXX had contacted him stating they have been trying to contact me and they think I must of changed my phone number and address, then asked how to contact my daughter-in-law, who I had given them permission to call and discuss any payment problems with ( the loan is in my name and my son and daughter in law make the payment since they drive the auto ). My dad, being XXXX years old, panicked and called me thinking something was wrong. XXXX minutes later at XXXX XXXX, I received a call from the son on my deceased girlfriend, saying he had received a similar phone call, but they only stated they have lost contact with me and wanted to know how to reach me. I have had the same phone number for about 17 years, and the same address since I purchased the auto where I receive my monthly statements and all other correspondence from them at.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX CREDIT FILE : XXXX XXXX, XXXX Confirmation # XXXX contacted equifax regarding incorrect reporting of XXXX XXXX incorrectly reporting Acct # XXXX. Account was discharged in Bankruptcy XXXX XXXX. However the account keeps returning on my Credit file. After 3 attempts to correct the error you are my last hope. The last response from my dispute is as follows : We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX Phone : ( XXXX ) 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. 
XXXX XXXX XXXX Reported on XX/XX/XXXX Account number XXXX Amount XXXX collections collections XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$4000.00} collections XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$690.00} collection XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Balance {$680.00} collection XXXX XXXX Date opened XX/XX/XXXX Balance {$680.00} collection
Product: Credit reporting or other personal consumer reports

Several months ago i was contacted by XXXXXXXX XXXX XXXXXXXX who proceeded to violate my consumer rights first by falsely giving me the consumer the impression that they are a law firm, then pretending to have a business opportunity for me and solicited all my presonal information which violates the Privacy Act of 1974 and an array of Consumer Laws. They then retaliated against me as they sated they would, and deliberately negatively reported to the credit reporting agencies against my explicit verbal and written demands. The company willfully ignored all my lawful affidavits including a debt verification/validation request. As this context pertains to CFPB Complaint : XXXX, the credit reporting agencies were made aware of this Several months ago but continued to furnish reports of an alleged debt i have no awareness of, and by fact of law, one that was dissolved under Legal Maxims of Consumer laws, and contractual laws when XXXXXXXX XXXX XXXXXXXX Failed to respond to the lawful affidavits in the lawful alloted time, thereby dissolvingany obligations i have to this alleged debt. The account was disputed multiple times and is still being negatively reported on my credit file causing injury and binding of my contractual powers presently and henceforth. As the credit reporting agencies have had multiple opportunities to remove the debt. And has conducted and concluded multiple investigations already in good faith they can not be granted more time. Therefore, the conditional/ contractual stipulation of the XXXX hour period at the time it was stated is within my contracting powers according to Uniform Commercial Code and the United States Book of Codes. I do not consent to the credit reporting agencies anymore time. My contractual terms are still stands. I Therefore reject the offer, or request of the credit reporting agencies for more time. with facial relevance- this is a NOTICE OF NO CONTRACT. OFFER REJECTED All Rights Reserved XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth XXXX XXXX XXXXXX/XX/XXXX ), Complaint Contents : This CFPB complaint has been submitted to request that Experian , the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). This fraudulent, inaccurate, and false information includes a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), a personal credit card opened at XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ). These accounts have led to the appearance of numerous fraudulent addresses and collections on my consumer FICO credit report. I have included a list of the addresses in question, as well as a copy of the consumer FICO credit report that you maintain, which displays the aforementioned fraudulent items. I am unable to identify the aforementioned accounts, collections, or direct inquiries as they were reported. I did not open, make, or initiate the accounts, collections, and addresses that are listed on my consumer credit report, which is maintained by you. Identity theft and fraud are the causes of all of the aforementioned accounts, collections, and addresses. I have included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as evidence from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and addresses are the result of identity theft and fraud. I also filed a Police report with XXXX Police Dept  the report number ( XXXX ) These are the addresses that should not be on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

on XX/XX/year> I I deposited a check using the Bank of America mobile app from a client I was about to do freelance work for. 

On the XXXX the bank returned the check which was fine and then locked my account. Upon going to a branch and verifying my information. While on the phone at there branch BOFA informed me that they would " still '' be shutting down the account and that it was my fault for not finding out that it was fraudulent prior. 

I've had this account for almost 10 years with not fraud transactions mind you. Now that the account is closed I have no means of making further deposits and they refused to help change over my info, essentially if I try to open a new account they may well deny me that as well now.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. 


I HAVE NOT SUPPLIED PROOF UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT.

THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account XXXX : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/XXXX U S DEPT OF ED/XXXX  Account number : XXXX Date opened : XXXX XXXX, XXXX U S DEPT OF EDXXXX Account number : XXXX Date opened : XX/XX/XXXX U S DEPT OF ED/GSL/ATL Account number : XXXX Date opened : XX/XX/XXXX U S DEPT OF EDXXXX Account number : XXXX Date opened : XX/XX/XXXX U S DEPT OF ED/XXXX  Account number : XXXX Date opened : XX/XX/XXXX U S DEPT OF EDXXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Reported date XXXX XX/XX/XXXX XXXX Reported date : XX/XX/XXXX XXXX Reported date : XX/XX/XXXX XXXX Reported date : XX/XX/XXXX XXXX Reported date : XX/XX/XXXX XXXX Reported date : XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX & XXXX Reported XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805.

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN PRODUCING COMPLAINTS FILED AND POSSIBLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report fradugelent accounts on my credit report after receiving a police report & identity theft report. These accounts do not belong to me nor do I have any knowledge of who they belong to. I sent all requested documents in months ago without any changes. Please remove XXXX XXXX XXXX XXXX and XXXX from my report. The following inquiries should be removed as well because I did not apply for any of these XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX/XXXX, XXXX XXXX and these inquries should not be on my report XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Company wont let me link bank to other sources, to obtain money.