23daVinci/CFPB_Complaints huggingface dataset:
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 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 I don't recognize a bunch of hard inquiries on my report which I think is fraud. below is a list of hard inquiries I don't recognize XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX BANK XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 and XX/XX/2019, XXXX XXXX XXXX XXXX pulled my credit check or whatever, I never spoke with them or gave them permission to do so. I called the company and asked how could they do that and how they got my information to do and wanted to dispute it and was told to dispute it with the credit agencies. There was also checking account inquiries recently that I did not do, I don't know with what banks, credit report says last one was 17 days ago and I haven't inquired since I started banking with XXXX XXXX sometime around XXXX.
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. 

Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX  XXXX Account number:XXXX  has violated my rights. Or list of inquiries XXXX5 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, credit repair services, or other personal consumer reports

I have been fighting an ongoing battle to fix my credit reports and DDA reports due to previous and existing identity fraud. I also have been arrested and charged due to fraudulant actions committed by whomever stole my identity. These charges have been dropped and I am not convicted of anything. I have documentation of all processes and time frames. I have filed all legally required and proper reports and yet these companies and banks are still refusing to fix my credit and consumer reports and have banned me forever from using there products. The specific complaint I have for this company, XXXX, is that they default to side with these companies and banks no matter what, and there requirements for verified data from them is not acceptable. Regarding account XXXX  XXXX XXXX and XXXX they both fall under same category. I am more concerned with XXXX  XXXX XXXX as they are reporting that I am engaging in check fraud and was verified by the state of florida, which is false and considered libel and slander! Especially since all charges have been dropped. I asked chexsystems to fix this twice and they refuse. A police report is not legally required only required report is a law enforcement agency report and/or government agency report. This requirement has been fulfilled and they and other banks are refusing to accept this. The reason I can not aquire a police or sheriff report is due to the fact that I am not allowed to due to my original charges and they refuse to do so, According to my local law enforcement. I assume I can't go 3 counties over or go to Alabama to find any place station so that's why. I would contact fbi if I could but you and I both know they won't take a report from me. XXXX needs to be more loyal of consumers and there complaints than to companies. I want this fixed NOW!
Product: Credit card or prepaid card

I applied for an XXXX XXXX  XXXX XXXX XXXX on XX/XX/2022 with account number ending in XXXX  assigned from XXXX XXXXXXXX XXXX. I received an email on XX/XX/2022 to welcome me as a new cardholder. I received a text message on XX/XX/2022 stating that my XXXX  XXXX XXXX credit request was approved and that the welcome package and card ( s ) would arrive within 14 days. On XX/XX/2022, I received an email stating that my credit card ending in XXXX was mailed on XX/XX/2022 and was on the way. I received the packet as stated and activated the card. At this point all is well. 

On XX/XX/2022, I received an email stating that my credit card application for an XXXX  XXXX XXXX card from XXXX XXXX  XXXX was approved and the credit card would arrive within 7-10 business days. I DID NOT apply for this card. On XX/XX/2022, I received an email stating that my credit card had shipped and would arrive in XXXX business days. I received the welcome packet and card on XX/XX/2022. I contacted XXXX XXXXXXXX XXXX to cancel the XXXX  XXXX XXXX card on XX/XX/2022. On this same day, I received an email stating that it was time to activate the card. The XXXX XXXX  XXXX representative XXXX XXXX XXXX stated that this card had been declined for several attempted transactions. 

On XX/XX/2022, I received an email stating that Chase had received a request for a credit card. Same day, I received an approval email stating that a welcome kit would arrive in the mail in XXXX to XXXX business days. I DID NOT apply for this card. On XX/XX/2022, I received an email stating that I had enrolled a card ending in XXXX online with paperless enrollment confirmation. AT THIS TIME, I HAD NOT RECEIVED THE CARD AND DIDN'T KNOW THE ACCOUNT NUMBER. I was out of town with a hold on my mail until XX/XX/2022. While out of town, I received an email on XX/XX/2022 stating that my XXXX of XXXX XXXX  had been upgraded. I had not requested a XXXX of XXXX account or credit card. I received an email on XX/XX/2022 welcoming me a as a XXXX of XXXX cardholder. I received TWO identical XXXX XXXXf XXXX welcome letters upon my return. I called Chase and cancelled this credit card on XX/XX/2022 On XX/XX/2022, I received an email notification that my request for an XXXX XXXX XXXX was not approved and a letter would be arriving with more details. ( As noted above, I already have this card which is where it seems the trouble started ).
Product: Debt collection

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).

The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on.

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Product: Debt collection

Below is a copy of the email I received.

LAST CHANCE TO SETTLE THE CASE CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$1200.00} CREDITOR - ACE CASH EXPRESS.

SETTLEMENT AMOUNT - {$400.00} This email is in reference to notify you that youhas been blacklisted ; yoursocial security number and banking accounts are under investigation thru major credit bureauXXXX.Youwould be receiving the court papers atyourmailing address as well as at employer placeasyoufailed to make the payment as per the agreement.

We are making an effort to several times to help you but you can't understand our concern. Lastly here is an arrest warrant because you had your chance, and now we're not interested with you to resolve this matter so kindly do not waste our important and exigent time.

We are sending your case file to our attorney as your outstanding balance has reached $ XXXX.We will also forward all your details to attorney regarding your negative approach towards your debt. In that a case you need to hire an attorney for yourself and we shall meet in the court house.

Once its proved that you have taken loan than you have to pay the total outstanding balance as {$4500.00} inclusive all charges.

One copy of your court papers will be forwarded to the correspondence references which were used by you when you committed the loan.

Regards Ace Cash Services ACE Cash Express , Inc .

( XXXX ) XXXX-XXXX XXXX XXXX XXXX:XXXX XXXX. to XXXX XXXX.Central Standard Time XXXX:XXXX XXXX. to XXXX XXXX.Central Standard Time XXXX:XXXX XXXX. to XXXX XXXX.Central Stand Sincerely, XXXX XXXX Ace cash Express Support
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX and XX/XX/XXXX I have attempted to communicate with Fifth Third Bank in regards to an inquiry made towards my XXXX credit report that was not authorized by me. I have advised Fifth Third several of times to send documentation that I authorized with my signature. This is a violation per FCRA regulations and if Fifth Third refuses to cooperate in this matter, I will have no other option but to file civil suit against this institution.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries and account have affected my life and resulted in several fraudulent hard inquiries and account and appearing on my consumer FICO credit report. XXXX XXXX {$1800.00} opened XXXX # XXXX,, XXXX XXXX XXXX {$460.00} # XXXX opened XXXX,, XXXX XXXX XXXX XXXX {$480.00} # XXXX XXXXXXXX XXXX XXXX XXXX {$1900.00} # XXXX opened XXXX, XXXX XXXX {$490.00} # XXXX opened XXXXXXXX.I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies Experian Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX SSN ), Consumer Date of Birth : XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inquiries have resulted in several fraudulent inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries and account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian credit reporting agency block all of the accounts, collections identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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. 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. 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. Equifax, XXXX and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately : I request an immediate and thorough reinvestigation of these items. These inaccuracies are severely damaging to my credit rating. 

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX 3. Under 15 USC 1681c1. Identity theft prevention fraud alerts and active-duty alerts XXXX Account Number : XXXX Please delete immediately. 

XXXX. There was never a late payment given on this account. 
XXXX Account XXXX : XXXX Please update to paid as agreed never late. 

5. Please provide your method of validation on how you validated this account when it is CLOSED and a COLLECTION account reporting currently late 120 days. 
XXXX Account Number : XXXX If unable to explain your method of validation then please DELETE immediately. 

6. Under 15 USC 1681c1. Identity theft prevention fraud alerts and active-duty alerts XXXX Account Number : XXXX Please delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report some time ago and realized the credit bureuas are reporting 2 accounts as late that was never late. These late payments are causing me severe financial and mental stress as I have not been able to get approved for a mortgage now. Delete the late payments from my consumer report, this agency is in violation of 15 USC 1681 : XXXX XXXX XXXX Account Number : XXXX I WAS NEVER LATE ON THIS ACCOUNT XXXX Account Number : XXXX I was never late on these accounts. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this you must delete these alleged late payments from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeDelete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit card

I made a cash payment of {$1000.00} in store to Nordstrom rack on XX/XX/XXXX. The associate said they have to ask a manager if its ok to take the cash payment for this amount. The manager came and a few other employees came over to discuss this situation. The computer prompted to enter my occupation and drivers license. I thought it was totally inappropriate and humiliating. My money was counted 4 times and ran through cash verify machine 2 times. This has happened before at this same store. I spoke to a representative on the phone and they told me it was best for me to make in store payments for the payments to post immediately. But every time a pay cash or card it takes the same amount of time for the payments to process. I dont have access to to the cash neither do I have access to to the credit. This in the past has caused my credit score to drop severely and my life has suffered as a result of this. All the associates say that this doesnt happen but this is my 2nd time going through this with this company. My payment still has not posted to the account as yet and its days later. EThey say that its because of the amounts of cash that Im paying is why its been a big deal but it was never a big deal before when Ive made large cash payments. Why is such a problem now? There is no fraud when Im in person paying cash and the machine has cleared that my cash is verifiable. What is the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are not mine I have never opened these applied for these and dont have a clue how these got on my credit report. I started disputing these since XX/XX/XXXX and every month after until XX/XX/XXXX I have sent out multiple letters saying that these are not mine to the furnishers as well as to all the bureaus but they have not reached or or helped me out. This is clearly affecting my credit score and my credit and I need these inquiries gone since they are not mine. I even opened an FTC report on XX/XX/XXXX and still nothing. 

Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

We made an agreement for close this loans, I did made the payments of {$3800.00} in order to close this account, I have proofs of everything, you Guys close this account for like 1 month and now re opened back again, I do have the title of the car, and all agreements papers for this case, you guys flagged my account and all collections agencies whit no reason, and now is affecting me after I made all this payments, was very hard for me to get the amount of {$3800.00} to close this account in lest than s month, I have XXXX kids, I have family and we passing through difficult economic times for you guys been playing whit my money like this, this is not serious, If i knew this probably i never payed that, please dont play whit the money of my kids and family because they not eating just because of this and now you doing this to us, this is not supposed to happened, I know credit accepted bank is more serious Thant this!
Product: Credit card or prepaid card

I am writing to dispute a re-bill charge of {$400.00} for XXXX XXXX to my credit card account in my latest billing statement. The re-bill appeared in late XX/XX/XXXX, and showed up on my XXXX statement. This is the THIRD XXXX re-bill for the amount of {$400.00}. 
I originally purchased the XXXX flights on XX/XX/XXXX, and the total cost was {$2700.00}. On XX/XX/XXXX, XXXX refunded me {$400.00} because our seats on XXXX XXXX could not be reserved in advance. In XX/XX/XXXX, I disputed {$2200.00}. This disputed amount is {$2700.00} ( which is the original ticket amount ) MINUS {$400.00}, because I had already gotten back {$400.00} from XXXX in XXXX. The reason I disputed is because I was having issues with the flights ( i.e. XXXX weeks prior to our departure date, our flights to the final destination were still unconfirmed by XXXX ). 
As mentioned earlier, I have been re-billed the {$400.00} by Chase three times. Prior to the XXXX statement, there had already been two refunds of this re-bill ( the first refund occurred on XX/XX/XXXX and the second refund occurred on XXXX ). Each time, I contacted the dispute division to correct this, because my disputed amount had already excluded {$400.00}. However, this third time, the charge has not been refunded. Ive called the dispute division a few times regarding this third re-bill, and would just be told that, This is still pending review. 
The charge is in error because when I disputed the XXXX charge, I did not dispute the total amount of the plane tickets. I disputed an amount that excluded {$400.00} because it was already refunded to me back in XXXX by XXXX.