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

According to 15 usc 1692, I am the consumer and I am not obligated to any alleged debt. The furnisher can not validate debt with out my consent according to 15 usc 1692j. In your investigation you have to interview a family/friend/ neighbor that is associated with the consumer according to 15 usc 1681 ( a ) ( e ). If you can not provide any of this information I am instructing you to removed All accounts from my consumer report. I did not give you written consent to report on my consumer report according to 15 usc1681 ( b ) ( a ) ( 2 ).
Product: Debt collection

Recently I checked my credit report due to all the credit bureau breaches and mishaps. Upon reviewing my credit report Ad Astra Recovery XXXX is listed on my credit report from 2012. I do not own this account and it is not mine. I have called Ad Astra to correct the incorrect info listed on my credit report to no avail. I have never received any written information from this company and I am being held financially accountable for an account that is not mine.
Product: Credit reporting or other personal consumer reports

The last few months I became a member with XXXX XXXX. Recently I received several emails stating XXXX a excellent match for some credit cards. I applied for two cards. One with XXXXXXXX XXXX and the other one XXXX XXXX. I was denied. Upon contacting both credit card institutions I was told Credit Karma reports fraudulent information to its customers logging in to keep their numbers up. I have supporting conversations between Credit Karma and myself with apologies for reporting fraudulent information to there consumers.
Product: Checking or savings account

This morning, XX/XX/2024 I attempted to log in to my account via my mobile app. I was prompted with a request to change my password. When I attempted to do this it wouldnt work so I called the bank. Upon being on the phone with the bank, they stated that my account was closed due to a business reason they could not share with me. According to the bank I have to wait until theres a closure date for my account at which point theyll mail me a check for the remaining balance in my account. I have XXXX children and no way to get by the weekend as all of my assets are in my account. This has been so frustrating and humiliating. I need help asap
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly update the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

About XX/XX/2020 I called the gas company and explained to them that it was not my debt and contacted the utility commission about the issue and neither said they could help. In XXXX I received a debt collection letter claiming they own the XXXX account of {$33000.00} and they are going to put a lien on my credit account unless I pay. I filed a police report and now am waiting for them to get back to me.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Springleaf has twice contacted me trying to " verify '' information regarding a relative. After the first contact I did research online to find they were only allowed to try to contact me once after I did not agree to providing information ( or confirming my relation to the individual ). Today I was again contacted by Springleaf and the representative would not verify why they were calling but simply that they wanted to collect information on the relative. After a quick XXXX search of the number I found it too was owned by Springleaf.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was already reported that the following account isn't my account, and it was removed from my XXXX and XXXX accounts, so I am confused as to why Experian is reporting it. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report. This account was removed due to my FTC report and proof of my information being involved in a data breach. Not only are you reporting an unverified account, but you are also reporting a different collection agency name, account number, and the balance is off by {$1.00}. It doesn't matter if it was off by XXXX cents you should be reporting accurate information and this alone is a violation in which I can take you to small claims court. At this time, I am only asking for the removal of the account and not monetary compensation. Attached is the FTC report where that I filed in XXXX. You will see that the collection agency on the FTC report is different from what is now reporting. The account on the FTC report is XXXX XXXX XXXX ( XXXX XXXX ). You will also find attached the CFPB complaint where XXXX informs me that this unverified account was deleted.
Product: Money transfer, virtual currency, or money service

I am formally Expressing my concerns with Zelle. CFPB let me and other consumers know that we were not protected and now fall as victims as Zelle failed to find lost funds.
Product: Debt collection

Phoenix financial is on my credit report. I disputed it on XXXX XXXX to verify accuracy because I have no knowledge of this account. It was completed XX/XX/19. I still dont know who the original creditor was and why I owe them money
Product: Debt collection

FIRST FED CREDIT & COL : I do not have any knowledge of this account nor did I ever receive any services or authorize any services from this creditor. I have disputed it through the credit bureaus, they acknowledged an inaccuracy ... the date of delinquency. They refuse to provide evidence I owe this debt. I have never had a collection and now my credit rating is adversely affected.
Product: Debt collection

Good day. Company ERC continues to contact me via phone and mail attempting to collect debt that is not mine. I have asked for proof to ensure the debt is mine. I demanded the original contract that was signed for the items listed also proof that this company is able to collect debt on behalf of original credit. ERC has sent me documentation that does not look original nor has any hard information. The company also does not have my social so i am curious to know how they can threaten to place a collection of an unknown debt on my account. The statement they sent via mail is not descriptive at all. Its a repeat amount of prices for unknown services. Please have ERC stop harassing me for debt that is not owned by me.
Product: Credit reporting or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE CONTACTED EQUIFAX ABOUT FRAUDULENT ACCOUNTS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX. I HAVE SUBMITTED FTC REPORTS ALONG WITH MY IDENTIFICATION, UTILITY BILL, AND SOCIAL SECURITY CARD. EQUIFAX HAS YET TO REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CONSUMER FILE. I HAVE CALLED AND REQUESTED FOR THIS INFORMATION TO BE REMOVED. I WILL BE UPLOADING DOCUMENTATION AS PROOF.
Product: Mortgage

I locked my refinance rate with TD Bank. Rates increased quite suddenly post election. My mortgage is now saying I will to have to pay different " points '' since post appraisal the LTV is 61.3 %. They are saying the points are different for LTV greater than 60 % vs. LTV less than 60 %. Is there 60 % cutoff really? I have never heard of it.
Product: Credit reporting or other personal consumer reports

I am unable to receive a credit report due to identity theft of fraudulent accounts place on my credit report. I did not not authorize XXXX XXXX XXXX XXXX or XXXXXXXX XXXX  to open any lease auto loan or credit I dont have knowledge of these accounts either did I authorize them
Product: Credit card or prepaid card

In XX/XX/2018 I applied for a Chase XXXX XXXX credit card having a XXXX point signup bonus if I charged {$1000.00} on the card in 3 months. 

The Chase XXXX offer stated : " Bonus Awards. The product is not available to either I ) current cardmembers of any XXXX Rapid Rewards credit card or ii ) previous cardmembers of any XXXX Rapid Rewards who received a new cardmember bonus within the past 24 months. '' I received a new cardmember bonus about 36 months ago so the product should have been available to me. 
My credit score is XXXX ( very good ), I pay all my bills on time, and I do not owe money so I am financially qualified.

I was not approved because Chase said I had too many credit cards opened in the last 2 years. ( See attachment letter from Chase ) This additional requirement was not stated in the offer. The offer was deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not take the appropriate measures to ensure protection of my personal identification. Therefore, my personal information has been potentially breached requiring me to take initiative in at attempt to protect myself. This has cost me both financially, emotionally, and caused me to waste valuable time. I fully expect the situation to be rectified by ensuring protection of my personal information and financial compensation.
Product: Vehicle loan or lease

In regards to vin numbers XXXX & XXXX Per 15 USC 1692F Non-Judicial Repositions are illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted signed Identity theft affidavits and police reports to all 3 credit bureaus with all the accounts that were not mine as I attempt to put my financial life back together. XXXX and XXXX validated the said account to be FRADULENT, and the said account XXXX XXXX # XXXX was swiftly removed from XXXX and XXXX but Equifax continues to report the said account as if it belongs to me. This account is not mine ... I have never had any dealings with the said company and have made several attempts to get this resolved. I am in the process of taking this to the court system and suing for monetary damages. My credit score with XXXX is a XXXX ... XXXX is a XXXX, but Equifax is a XXXX ... huge differences and this shows that Equifax is reporting damaging, fraudulent account on in my file.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy 15 usc 1681 section 604A section 2 also states consumer reporting agency can not furnish a account without my written instructions under 15 USC 1666B a creditor may not treat a payment under a auto lease under a open and consumer credit plan as late for any purpose the information in 1637b was mailed to the consumer not later than 21days
Product: Checking or savings account

I opened a Bluebird American Express account for myself and added my brother and son to help them manage their money. I finally got the cards after 3 weeks and had my brothers UE check deposited without a problem. I paid 2 bills for him and when the next deposit for unemployment check was supposed to be made ( 699 ), I received an email stating the account was closed due to section 20 ( d ). I did not have any idea what this was and tried to login to the account and no access. I called the number on the card and waited on hold for 2 hours to have a foreigner tell me the account was closed and they could not view the account. I asked how do I get the money in the account and they had no answer. He kept saying the same " statement '' the account was closed  and no way to get or see money in account. I hung up. This is my brothers money. He is handicapped and doesnt know how to manage his money. it was over XXXX in total. I wrote a letter to the address American Express provides and have heard nothing. How can this be legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported the payment made to XXXX  XXXX to trans union they will not fixed they have where I cant dispute it anymore
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Update to Open/Never late 3. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS SYNCB/CARECR Account Number : XXXX Delete from my credit report. 

5. there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete from my credit report. 

6. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY FSTPROGRESS Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX  XXXX Account Number : XXXX Update to Open/Never late 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX Account Number : XXXX Update to Open/Never late 9. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. there is some inaccurate information reporting XXXX Account Number : XXXX Delete from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Product: Student loan

I sent in a loan forgiveness application to through site, studentaid.gov. Was contacted by a company I thought was with department of education because they had all of my information : social security number, address, date of birth etc. They informed me that I met all the qualifications and could receive and loan forgiveness. I got a notication from my bank that showed the first installment of {$200.00} was being taken from my account for the {$1200.00} fee. I noticed then that the money was not going to department of education but to Apex XXXX XXXX. I called Apex back and told them I wanted to cancel because they never disclosed they were not with the department of education. The gentleman I spoke with, XXXX XXXX, stated he was a former employee of the department of education and that he knows how the system works. In formed me that if my application had not been approved by the end of XXXX I would receive a complete refund. XX/XX/XXXX, they again deducted money from my account. When I attempted to contact, all I got was a answering machine. I put in a dispute with my bank, XXXX XXXX  XXXX. The company has not responded back.
Product: Checking or savings account

I received two checkbooks with two different accounts from TD Banks with my name and address indicating that I have opened up an account.

I called TD Banks and advised them that I do not know these accounts, and they instructed me to contact the fraud department. Someone may have used my identity to open an account online. I advised them most banks open an account online and asked for a photo id why it wasn't done. They couldn't give any answer but to call the fraud and report stolen identify.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TRANSUNION Credit Bureau 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 remove the following accounts completely from my Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

There were fraudulent transactions on my credit card for which I promptly notified XXXX XXXX. They cancelled the current card and sent out a new one. In the mean time they purported to open a fraud investigation about the charges. However after 3 calls and waiting 30 days, the charge is still on my credit card in addition to a fee for foreign transaction fee levied by XXXX XXXX. Over the course of those 3 calls they assured me it would be removed in 30 days, but we 're still waiting and I refuse to pay the bill with fraudulent charges on the statement. They could have easily put the charge in disputed status so it neither affected my balance nor was added to my statement, but the refused.
Product: Credit reporting or other personal consumer reports

I was looking into HELOCs and requested some rates and a quote from XXXX XXXX XXXX I was told twice that this would not be a hard credit pull, it would just be a soft pull. I was concerned with that because I was not in a position to be moving forward yet, this was just exploratory. Very soon after, I received many notification emails from credit monitoring services saying I had a new hard pull on my account. I reached out to XXXX XXXX ( owner of XXXX XXXX XXXX XXXX and he responded by blaming " his assistant '' in running my credit " unknowingly ''. Since that time ( XX/XX/year> ) I've been going back and forth with XXXX, trying to get this removed and getting very little engagement from him. He wont " respond to phone calls, email responses are sporadic, and it's now been almost three months with no resolution. Extremely frustrated by this situation, and with his engagement in rectifying his mistake.
Product: Checking or savings account

This is a response for a complaint ( that was submitted XX/XX/2022 ). In regards to complaint number XXXX. PNC closed my account on XX/XX/XXXX after I was insulted for my XXXX orientation by a XXXX XXXX ( supervisor at there corporate location ). She was coy in saying it was " good for people like me '' to be " empowered because of services like The CFPB to report improprieties. So I simply told her that she had no value in life and she probably slept around to get her position ... ..Well a few days later my account was deactivated and I was sent correspondence telling me that the rest of my funds would be sent no later than XX/XX/XXXX. As of XX/XX/2022 I still haven't received the remainder of my funds. I believe I had {$220.00} left over at the time of closing.