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

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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: 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 -Balance {$150.00} XXXX XXXX XXXX -Balance {$58.00} IXXXX XXXX XXXX -Balance {$7100.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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'm very certain that in or about XX/XX/XXXX, a XXXX card was sent to me in the mail by the Employment Developmental Department. i also applied for a XXXX XXXX XXXX account that can be accessed by XXXX. 
Either in a form of unemployment, child support case, or during the time an ( economic impact payment ) prior to the Census XXXX Pre-Paid Debit Card so that my Stimulus Payments & EIC might rather be available by Debit Card form easily accessible, rather than mail and in check form. Around this time in XXXX, CA on XX/XX/XXXX Disaster # XXXX issued funds for the Fire Disaster # XXXX through XXXX XXXX, FEMA, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX were sent in form Wild Fire Assistance Cards in XXXX, this is also when I filed for my unemployment and my information wasn't correct, due to my arm being bumped by the dog & my cellphone screen receiving the confusing way of an undone process that I couldn't fix through the mail, email, cellphone #, as I had been stolen from shortly after. I'm now hoping I can get to the clarity of this issue so that I can prevent being identity thefted as I was in the beginning of XX/XX/XXXX, by a Car Rental. Anything your company can do to assist my situation will be much appreciated. Thank You!! XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had a CD that matured XX/XX/XXXX XXXX  with Synchrony bank and against my instructions they renewed to a 6 month CD. I have been calling since XXXX XXXX. They kept saying it was in progress. They refuse to allow you to close online and when you call they never provide any confirmation or acknowledgment. I also have a voice message on XXXX XXXX from XXXX of Synchrony bank saying that both CDs have been closed. I also had another CD that matured XXXX XXXX and that was closed properly. But somehow the one for over $ XXXX they refuse to transfer. I called yesterday for the 5th time and spoke to 3 different people and the last manager said they have to investigate.

This online CD process with Synchrony bank is very shady as they never provide any confirmation of your request so they can then lie and say they never had it in their notes. 

I demand my money returned immediately with the higher interest would have earned elsewhere at 5.28 %.
Product: Debt collection

T Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. 

Please remove the following accounts : 1. The following account is not mine XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

I have a young daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are homeless and do not have a way around the Heat XXXX Arizona unfortunately has to provide. 

These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as Arizona State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. Thank you. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX  XXXX Balance : {$330.00} ; XXXX XX/XX/2022.
Product: Debt collection

Thank you for the notification of the complaint filed by XXXX XXXX. CKS Financial appreciates the opportunity to respond to their concerns. Please note that upon notice of the compliant, a member of our Compliance team conducted an investigation into the allegations, including a review of all inbound and outbound telephone communications associated with the telephone number provided A summary of that investigation follows : We have conducted an investigation which included a review of the account data provided by the original creditor. The result of that investigation confirmed the name, address, and the amount owed is accurate, as listed on the account. Please note, XXXX previously responded to Consumers request for validation on XX/XX/2021, providing validation. The account has since been returned to the current creditor XXXX XXXX XXXX XXXX. We suggest XXXX XXXX contact XXXXXXXX XXXX XXXXXXXX, XXXX directly for any further concerns, including how it is being reporting to the credit bureaus. We invite XXXX XXXX to contact a member of our Compliance team if she has any questions. A member of our Compliance team is available Monday through Friday from XXXX to XXXX Eastern Standard time and can be reached directly at XXXX or by emailing XXXX.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally lodge a complaint regarding Credit Karma and its misleading advertising practices, particularly concerning pre-approved offers. Since creating my Credit Karma account in XXXX, I have been regularly sent numerous " pre-approval '' offers for credit cards and loans, which, upon application, were consistently declined. These offers have led to multiple hard inquiries on my credit report, damaging my credit score despite the assurance of " pre-approval. '' On average, I received one or two pre-approval notifications per month, all of which implied a high likelihood of approval. However, after numerous attempts and rejections, it has become clear that these offers were not genuine pre-approvals but simply marketing tactics. This has caused significant frustration, stress, XXXX and unnecessary damage to my credit due to the inquiries from these failed applications. 

I believe this behavior constitutes false advertising and deceptive business practices, as Credit Karma presented these offers in a misleading manner, leading me to believe I had a strong chance of approval when this was clearly not the case. I depended on these outstanding approval offers to get caught up with my car payments after I was let go in XXXX. I never once got approved for anything, and now my car got repossessed and I owe {$17000.00}. 

I kindly request that the CFPB investigate these practices and take appropriate action to prevent other consumers from experiencing similar harm. I would also appreciate any guidance you can provide on how to address the damage done to my credit report as a result of these misleading practices. 

Thank you for your time and attention to this matter. I look forward to your response
Product: Student loan

To whom it may concern, I am writing to file another formal complaint regarding the fraudulent student loans that have been affecting my credit history. Despite numerous attempts to resolve this issue, it has not been addressed or rectified by your institution.

I have recently discovered that there is a significant increase in the student loan account balance, from {$2500.00} to {$2500.00}. This sudden and drastic change has had a detrimental impact on my credit score, as well as my financial stability. I have never taken out any student loans, and it is clear that these loans are fraudulent and unauthorized.

I have contacted your institution multiple times to address this issue and have requested that my name be removed from these fraudulent accounts. However, no action has been taken to resolve this matter. I believe that this negligence is a deliberate attempt to harm my credit and financial well-being. 

I am deeply concerned that your lack of action is due to discrimination based on my XXXX XXXX XXXX As an XXXX woman, I feel that I am being targeted and unfairly treated by your institution. 

I demand that immediate action be taken to remove my name from these fraudulent student loans and to rectify the damage done to my credit history. I also expect a thorough investigation to be conducted to determine how these unauthorized loans were taken out in my name. 

Failure to address this issue promptly and adequately will result in further legal action being taken against your institution. I urge you to take this matter seriously and to rectify the fraudulent activity that has negatively impacted my credit and financial well-being. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

The paypal prepaid card is continuously getting canceled by someone. This has been an ongoing problem with most of my credit cards. The law is unwilling to give me a police report for theft for the ftc and the USPS is unwillingto investigate postal theft. The account number is XXXX, my name is XXXX XXXX XXXX and the amount is XXXX.
Product: Debt collection

XX/XX/year> i called the collection agency regarding a dept that that was written off and then they moved the charge to agency to collect the dept. also i looked on credit and XXXX said the balance is a XXXX. but the next day i see on my credit from the agency. they said to me that my last payment was XXXX dollars they cant provide we any info from the XXXX. from the beginnig the has it as a charge off profit lost. but the cant provide me a 1099c. because they written it off on there end. they need to provide it to me. also i paid 82 % of the loan and they didnt have a record of t his
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Over thirty days ago, I wrote to each credit reporting agency ( XXXX Equifax, & XXXX ) indicating my dispute off information on my credit report on XX/XX/XXXX. A copy of the original letter accompanies this correspondence. as of today XX/XX/XXXX XXXX, Equifax, & XXXX have not responded to my dispute and therefore they must remove from my credit file all information disputed in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax XXXX & XXXX had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely.
Product: Credit card or prepaid card

capital one card, state that someone has open anccount in my named, that's being reported,30days late,60days late, aftering finding this problem is going on they refuse to correct this, problem, they owe me a deposit of XXXX. dollar, on the only account that I opened with them, ending in XXXX, which I closed.
Product: Credit card or prepaid card

XXXX I applied for Bank of America Platinum plus Mastercard XXXX XXXX I was denied and sent an adverse action letter stating why I was denied on the public side which is credit score, Bank of America underwriter or their selling Agent as they us in Security agreement with the SEC never explained to me what factors they use to make their decisions based on law. The Application is a promissory note and turn into cash or notes one deposit pursuant to 12 usc 1813L ( 1 ) which your selling agent agreed to purchase in your security agreements with the SEC XXXX XXXX the promissory note is also a security pursuant to XXXX XXXX XXXX, which also should have been the collateral for the amount of the platinum plus master card pursuant to 7 cfr 4279.202, the security belongs to me and as the holder in due I have a right to my security pursuant to 3-309 of the UCC Bank of America had a fiduciary duties and have denied to do any of them which is a breach of fiduciary duties 17 cfr 205.2, which is also a result of securities fraud pursuant to 17 cfr 240.10b-5 for taking my security which is the Application and not granting me credit 12 cfr 1002.2 ( c ) ( 1 ) Bank of America and it Trustees are in violation of sections 29 of the federal reserve act failure to send me a card would result in a complaint to the OCC, SEC, FEDERAL COURT since all security is automatically a federal Court case, please have only competent employees to look at this complaint or the CFO XXXX XXXX XXXX to
Product: Debt collection

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXXXXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions. 

Company did not send the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The main problem on XX/XX/XXXX was the sell man in the store had to apply for the credit card for me in which I was approved for XXXX. HE didn't explain or give me information on the credit card process and guidelines and I wasn't able to read small print, so I didn't know that my credit limit will be decreased in which mine did in XXXX. I had a couch complaint on XX/XX/XXXX in return, and was told not to make a payment till investigation is over. It's yet to be over XX/XX/XXXX, and I didn't get retrurn till XX/XX/XXXX, that's when my credit limit was decreased to XXXX. The other problem was because I didn't know guidelines in policies that each item is paid off one at a time not the totally balance there is a small balance still. I've went to store in they tell me it's clear yet credit card dont. And last I was told the credit card comes with warranty yet I was charge the fee of XXXX.
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized on XXXX, Equifax, and XXXX and im a victim of Identiy Theft. 

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
Product: Debt collection

In XXXX XXXX I went to a XXXX to get help with my feet, starting in XXXX I called XXXX a week in an attempt to pay the debt. XXXX office never returned calls or messages. In XXXX XXXX XXXX, I received my first collection letter threatening to impose additional efforts. So XXXX XXXX, I walked into the doctor 's office and asked them if I can pay my bill. Doctors office said no, we do n't do that here, they took a message and a billing supervisor called to take " full payment '' {$550.00} as reflected on my bank statement. I also asked the Doctor 's office to resolve the issue with the collector. The billing supervisor and the doctor 's office promised to resolve the issue. XXXX XXXX I got another collection letter, so My husband called the collector and asked them to call and resolve an already paid debt. XXXX XXXX I received my 3rd letter and called collector personally to tell them it was paid. Message machine no one available. 

Given the doctor 's violations and the collector 's violations it would be helpful to get some assistance to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage loan back in XX/XX/2020. I authorized MTH to obtain my credit score. It was obtained and used correctly. On XX/XX/2020, I had a conversation what XXXX XXXX XXXX regarding approval of a lower child support amount that XXXX XXXX List and I had discussed in back in XXXX. There was absolutely no discussion about any credit reporting or any request to run my credit again. I check my credit report recently and noticed I had an iquiry on XX/XX/2020. This inquiry was obtained WITHOUT my consent. 

I filed a complaint against XXXX and this was their response. " XXXX XXXX and XXXX XXXX contacted MTH on XX/XX/2020, to advise that XXXX XXXX child support payment was reduced. At that time, a request was made for MTH to pre-qualify them again. When the request was made, XXXX XXXX and XXXX XXXX authorized MTH to review their credit profile, resulting in MTH pulling a tri-merge credit report that same day. MTH is unable to remove the credit inquires made on XX/XX/2020, as it considered the credit pulls valid pursuant to the authorization provided. MTH and XXXX XXXXs committed to responsible lending and servicing and we apologize for any frustration or inconvenience this matter may have caused XXXX XXXX and XXXX XXXX XXXX. ". 

However, there are multiple errors in this response. First off, I was the ONLY individual who talked to XXXX XXXX List that day. Second, there was no verbal authorization or any authorization given to pull a credit report. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 SECTION 602 states I have the right to privacy 15 USC 1681 SECTION 604 A SECTION 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still presenting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}