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

After several months of disputes with the Equifax here appears to be a deliberate refusal on their behalf in removal of identity theft related accounts that have been reporting on my credit file. These accounts were not opened or established by myself. I have sent in several pieces of supporting documentation but yet Equifax continues to report these accounts on my credit report. I've never owned any credit cards with XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX. I've reached out to the creditors and was informed to contact each consumer reporting agencies for a dispute. I also sent in and identity theft affidavit from the Federal Trade Commission report # XXXX which included the accounts listed above. I am aware anyone or individual with my personal information such as name, address, and social would be able to easily impersonate myself and open accounts under my name given the automated verification or e-oscar data furnisher system only verifies such personal information and nothing physical is ever obtained. I have been denied credit and this has caused a significant hardship financially and Equifax should be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

XXXX XXXX XXXX ACCOUNT # : XXXX XXXX  XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is in violation XXXX XXXX is willfully civil liable for continuing to report incorrect data on my consumer report. 

15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The number of terms is reporting incorrectly the date last reported is also reporting inaccurately DELETE THIS ACCOUNT
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information on my credit report. I recently obtained a copy of my credit report from agencies, and I have identified several inaccuracies that require attention and correction. 
Incorrect Address Information : The following addresses are listed on my credit report and are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX I have never resided at these addresses, and they are not associated with my credit history. 
Unauthorized Hard Inquiries : I have identified the following unauthorized hard inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit or authorize these inquiries on the specified dates. 
I am formally requesting that these inaccuracies be investigated and corrected as soon as possible. Enclosed with this letter, please find supporting documents that validate my claims.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX was hit by an XXXX insured driver. XXXX and XXXX XXXX owned the truck and was financed through Capital One Auto. 
XXXX took claim for the truck on XX/XX/XXXX. Capital One,  needed a POA to process the title for XXXX. Capital One, was mailed a number of these from XXXX and XXXX XXXX. 
XXXX was unable to pay for the truck because Cap 1 kept losing documents. XXXX has phone records of the number of times they called Cap 1. Cap 1 keep reporting nonpayment of the truck on XXXX XXXX 's credit report. Showing 120 days nonpaid when it no longer belongs to XXXX and XXXX XXXX. 
Capital one should be held liable for the fraud of submitting nonpayment, when XXXX and XXXX no longer owned or had possession of the vehicle. XXXX and XXXX have tried a number of times to dispute this on their credit report with prof with no luck. 
Capital One even mailed XXXX a check stating " overpayment '' because it was taking so long.
Product: Credit card or prepaid card

I asked Chase Prime Visa to dispute a charge of {$350.00} for a defective product. Posted on or about XX/XX/2021. I called 3x and asked them to send me a form in the mail so I would be able to dispute these charges. They refused to do so. They called me on XX/XX/2021 at approximately XXXX and Chase Prime Visa said they would not dispute this charge. They did not give any reason for not disputing this charge.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported as a past due balance. I do not know this company or have I ever had a relationship with this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Bank account or service

I opened a checking account with Bank of America last year with the promotion of {$300.00}. I finished the requirement and confirmed with the customer service member. The endorsed that I had finished it and should just wait for the bonus to post. But I have never received this bonus ever since. When I was checking with the customer service people again, they refuse to admit that I was qualified for the promotion.
Product: Credit card

On XX/XX/2023 I applied and was approved for a US American Express Bonvoy Business card by phone, specifically to take advantage of a bonus offer of XXXX XXXX XXXX points after spending {$3000.00} in the first three months. 

During the call I specifically asked the rep : am I eligible for the bonus? He said : " Yes ''. I asked again, are you sure I am eligible? " Yes ''. 

In XXXX I received the card and began using it. In XXXX, I hit the {$3000.00} total spend. However I did not receive the bonus even after three months of holding the card. 

So in XXXX, I called AMEX, and they claimed I was not eligible for the bonus, and would have been told that at the time of application. I requested escalation including reviewing that call. 

Today I called and a supervisor advised me that they had reviewed the call and apparently the agent told me I was not eligible for the bonus. That is a lie, and I even asked them twice, and was applying for the sole purpose of the bonus so would not have accepted and paid the annual fee otherwise. 

The offer terms and conditions are as follows. While the conditions are vague and apparently allow excplusion for unstated reasons, it does specifically state that the user MUST be informed of ineligibility at the time of application if this is the case, and I assert that I was not. 

For context, I do have an active and fairly well used personal XXXX XXXX AMEX. However I have NEVER had a XXXX business Amex. 

I consider this to be an ethical and legal breach and violation of the American Express terms of service. 

OFFER TERMS You may not be eligible to receive a welcome offer if you have or have had this Card or the XXXX XXXX XXXX XXXX Credit Card from American Express or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application. 

Welcome offer not available to applicants who ( i ) have or have had the XXXX XXXX XXXX XXXX XXXX Credit Card from XXXX, the XXXXXXXX XXXX XXXX XXXX XXXX  Credit Card from XXXX, the XXXX XXXX XXXX Credit Card from XXXX, or the XXXX XXXX XXXX Credit Card from XXXX in the last 30 days, ( ii ) have acquired the XXXX XXXX XXXX Credit Card from XXXX, the XXXX XXXX XXXX Credit Card from XXXX, the XXXX XXXX XXXX Credit Card from XXXX, in the last 90 days, or ( iii ) received a new Card Member bonus offer in the last 24 months on the XXXX XXXX XXXX Credit Card from XXXX, XXXX XXXX XXXX Credit Card from XXXX, or the XXXX XXXX XXXX Credit Card from XXXX.
Product: Debt collection

This company is identifying itself as a debt collector in a letter mailed to us on XXXX. The letter stated that the company was collecting a debt of {$29.00} that they said we owed on an expired magazine subscription. We mailed them a dispute letter denying we owed the debt and demanding documentation to verify their debt claim. On XXXX we received a response from the company stating that they were stopping any further collection activity on us and closing their files. I suspect that this company is using false and deceptive practices to collect monies on expired magazine subscriptions under the guise of a threatening debt collection letter.
Product: Debt collection

XXXX XXXXXXXX XXXX attempted to collect a debt for rent on behalf of XXXX XXXX XXXX beginning in XXXX XXXX. My auntie, who is now deceased, was a resident until the day she passed but I wasnt on the lease nor did I reside in the unit. After I noticed this I did a dispute on XXXX XXXX but was unsuccessful after XXXX investigated so I decided to reach out to Rent Recovery to see what documentation they had. My client representative ( XXXX ) explained all they had was a move out request and she was sending it to the investigation department. I asked to see the documentation but she told me she had to put in a request to email me. I called back to check the status of my request and she told me she couldnt send me anything. I hung up and called back and spoke with a different representative that hung up in my face after I gave her my last four of my social. I also requested to speak with a supervisor. I called back and asked another representative and she sent me to a managers voicemail. I then decided to email both rent recovery and XXXX XXXX  requesting to see the documents. I was never sent any letters about this collection nor did I receive calls prior to me calling. They closed the case yesterday however the negligence has caused me to miss out on a home I really needed for my XXXX XXXX daughter. I have to be out of my place by the XXXX XXXX XXXX but rent recovery says it can take XXXX days for something to be removed. I will be homeless if I cant apply for a place in my own name.
Product: Mortgage

I have been dealing with Carrington Mortgage since the end of XXXX trying to get them to cancel a subordinate security deed they placed on my property. It's a subordinate security deed that they submitted to HUD and HUD rejected it but Carrington mortgage recorded the deed anyway. I am trying to refinance my property and I can not close on my property until Carrington cancels that security deed. I have been in contact with XXXX XXXX on multiple occasions and she has stated that she has escalated this to their legal department and VP however she has not responded to us in over a week and my lock is about to expire for my refinance. I believe that she has been unprofessional rude and unconcerned with me trying to refinance my property and get this subordinate security deed that is recorded in Error canceled so that I can close. I don't know what else to do except to report them to the CFPB or the bank and finance department. Can you help me?
Product: Debt collection

Credit Control Corp promised to send me a report showing debt was written off on XX/XX/2016. And, send within 10-minutes by email a promised paid confirmation that I paid the remaining debt on XX/XX/2016. Today is XX/XX/2016, no paid receipt for the {$1200.00} debt paid by XXXX on XX/XX/2016 or the report showing that the {$560.00} was written off by a creditor has been received. These are proof of payment and normal business transactions. I have been anxious and worried that in today 's technology world, that the payment was not applied to my account ... identity theft, employee theft, etc. I still do not have proof today XX/XX/2016. My wife, XXXX XXXX, is handling this matter for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I called in my mortgage payment to Chase mge and received confirmation that payment was submitted. There was no further contact from Chase to show otherwise. Upon receipt of XX/XX/XXXX statement I noticed an unusual line of past due balance for XX/XX/XXXX. I contacted Chase to see what problem was and was told payment was accepted then returned for non sufficient funds. This was impossible as I keep a balance of well over this payment and have overdraft protection. I contacted my bank and they wrote letter that states the funds were available all month for this amount as well as stating we have overdraft protection. ( Can provide ). Chase then states that it was incorrect acct number entered. However this was not the case as well. I paid XX/XX/XXXX and XX/XX/XXXXwith same saved info as I did on XX/XX/XXXX. I have been given several different unjustifiable reasons as to why Chase did not accept payment and none of them make sense. It was plain and simple a system glitch! We never got a call or email or letter stating this was late due to their system acknowledged the payment and for some reason, denied the payment and did NOT notify me nor my wife. This has taken our XXXX   scored to below XXXX and is affecting every aspect of our finances. We can provide written statements from our bank and what Chase sent us acknowledging we made our payment. We have tried many avenues with no correction. Please help!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : EDFINANCIAL Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX  XXXX Balance : {$69000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to inform you that I was the victim of identity theft. I researched how to remove the fraudulent items on my report and found that I need to visit the Federal Trade Commission or https : //www.ftc.gov to file an identity theft report. Per FCRA section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my report. Please see below for the list of items that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX  Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$590.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX  Balance Owed : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX XXXX Balance Owed : {$2800.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$590.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$590.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ), Credit Reporting Agencies shall remove any items in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft not later than four business days after receipt.
Product: Credit card or prepaid card

To Whom It XXXX Concern : I am writing to make a formal complaint to TD Bank , N.A . I am seeking directive assistance from CFPB. This is a solution to someone so I can be heard and take seriously in protecting my information. I was/still am a victim of identity theft since XX/XX/XXXX. 

A XXXX XXXX credit card account was opened with TD Bank XXXX fraudulently with my information without my knowledge and consent in XX/XX/XXXX. 

On XX/XX/XXXX : I called TD Bank XXXX XXXX XXXX XXXX and reported account opened fraudulently, Given my contact information. I was provided with the case # XXXX. 

On XX/XX/XXXX : I called TD Bank XXXX XXXX XXXX XXXX once again. Spoken with XXXX XXXX from XXXX XXXX and confirmed the account has been closed as of XX/XX/XXXX. 

On XXXX XXXX : I received an acknowledgement letter from TD Bank XXXX stating, " Account history indicates prior acknowledgement of the account ''. Verbiage is vague so I made the call to XXXX XXXX XXXX, Fraud & Risk XXXX @ XXXX. Left several voicemail message and never received a reply. 

On XX/XX/XXXX : I received an acknowledgement letter from TD Bank XXXX stating, " Account history indicates prior acknowledgement of the account ''. XXXX is vague. Today { XX/XX/XXXX } I made the call to XXXX XXXX XXXX, Fraud & Risk XXXX @ XXXX. Risk XXXX told a call was made to TD Bank XXXX on XX/XX/XXXX, a security code was sent to XXXX as resulted of the account was reactivated. In addition, she said the case has been closed and if I want to investigate, so I will need to open a new case. 

I am extremely baffled with facts that ( 1 ) TD Bank XXXX had knowledge that the credit card was opened fraudulently and closed the account on XX/XX/XXXX, ( 2 ) TD Bank failed to verify the caller identity, Accept the risk on themselves and sent the security code resulted the credit card account reopened without my knowledge and authorization. Today, I made the call to TD Bank XXXX XXXX XXXX @ XXXX - to setup a new claim as I was instructed. The phone system did not respond to my cellular phone. 
The phone # that I had registered in the case when opened initially and there was no live attendant. 

TD Bank XXXX XXXX XXXX is not/ has not diligently in protecting my information. This resulted distress because once again having to deal with this nightmare. 

Due to data sensitivity, I didn't include the full account in this complaint. It will be readily available to provide upon request. 

I attest the statement made herein is truthful under perjury. Thank you. Best, 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. 

Account name : XXXX CAPITAL XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Debt collection

I am writing to lodge a formal complaint against Wakefield & Associates, a debt collection agency, for their failure to comply with federal and state laws concerning debt collection practices. Despite multiple requests, Wakefield & Associates has not provided me with the necessary documentation to validate the debt they claim I owe, including the original contract with the creditor and proof of their authorization to collect debt within my state. 

According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive validation of the debt from the collection agency. This documentation should include a detailed statement of the amount owed, the name of the creditor to whom the debt is owed, and verification or a copy of any judgment ( if applicable ). The FDCPA requires that this information be provided within five days of the initial communication from the debt collector. 

Additionally, my request for Wakefield & Associates to furnish evidence of their license to operate as a debt collector in my state has also been ignored. Each state has specific requirements and licenses for debt collection agencies, and operating without such a license is a violation of state laws. 

Despite my efforts to resolve this matter directly with Wakefield & Associates, including multiple written requests for the aforementioned information, I have not received any response or documentation from them. This lack of compliance not only infringes on my rights under the FDCPA but also leaves me in a position where I can not verify the legitimacy of the alleged debt or the collection agency 's authority to collect it.