23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 submitted a request that certain items on my credit reports be removed. I experienced identity theft a few years ago and do not recognize these accounts, nor did I authorize them. I received a response from all 3 bureaus that the items were valid. There is no way these items are valid. 

On my XXXX report I have a XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX XXXX account reporting which is not mine. I also noticed the following inquiries which are not mine and fraudulent : XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX On my Equifax report I noticed the following accounts which are not mine and fraudulently being reported : XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX   {$1200.00} XXXX XXXX XXXX {$30.00} I also notice on my Equifax report a CHILD SUPPORT account which should not be on there because I do not owe child support nor am I on child support. I have a few time before informed them of all of the things I am including in my complaint. I have also submitted identity theft reports, etc and filed a police report. 

With XXXX  I have noticed the following fraudulent accounts and inquiries XXXX XXXX   XXXX {$1900.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$30.00} Inquires : XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I applied for Discover It Student Credit Card online on XX/XX/XXXX, uploaded and signed the documents they asked for, got the physical card on XX/XX/XXXX, and get activated that day. 

But on XX/XX/XXXX, when I tried to use my card to purchase a dinner, it did not work. I called Discover, and they blame me for signing a document, 4506-C, that they asked for in the email. They claimed that I should have called them because that's what they said in the email, which was not true. Here is the email. 

" " " " " Discover Financial Services requires your consent to receive income information from the Internal Revenue Service ( IRS ) to verify information on your account. 

You can expect a separate email from " Verification Services '' ( sent via XXXX ) with the subject line : " XXXX XXXX '' Has Sent You IRS Consent Form 4506-C to Sign. Please follow the step-by-step instructions in the email within five days. 

Note : If the email is not in your inbox, please check your junk mail or spam folders. 

Prompt action must be taken in order to validate your account information for continued use. Until this verification is complete, a temporary hold has been placed on your account. If for any reason you are unable to complete the consent form, please contact us directly at XXXX, or call the phone number on the back of your card. 

Once Discover has received and processed the IRS information, you will be contacted in writing to advise that the review of your account is completed. 

We appreciate your prompt attention and cooperation. 

Thank you, Discover Financial Services " " " " " They certainly ordered me to sign the document directly in the email. But the operator of Discover on XX/XX/XXXX claimed that I should have called them, so I don't need to sign the document, but they would have requested me to upload my bank statement, which I've already done during the application. 

So basically, she blamed me that it was my fault to sign the form, and that's completely false. But I certainly believe I was not wrong, which is the reason I'm filing a claim. 

So be careful when dealing with Discover, so unprofessional.
Product: Checking or savings account

Good morning sir/mam, my name is XXXX XXXX and my maiden name is XXXX XXXX.I opened an account with bank of America in XXXX.When they first opened my account they merged my account with some bank other person who had the same name as mine. I realized when the woman directly sending messages to me and asking me who am i? i didnt know what was happening the very next day morning i went to the same branch where i opened my account and i told them the whole story. They said your account was mistakenly merged with the other person.Hows that possible when i provided my social.They somehow fixed it and i started operating my own account.Everytime i could see multiple fee or overdraft charges and and it happened XXXX  times that once they took XXXX XXXX  out of my account.I went to the branch and asked them where my money disappeared and they issued a ticket to investigate where could the money go but i never heard back from them and once it happened that an amount of XXXX got withdrawn from my savings account.It was a day before my marriage when people have plans and things to be done.On my wedding day i had to borrow l money from my friends because Bank of America let go my {$7000.00} from my savings account without notifying me.I dont know where any of the money go.After XXXX i didnt keep much money in my account and they were always putting overdraft charges and many other additional fee that i couldnt afford paying.One day i just got a letter that my account is in negative because i couldnt able to maintain the balance in my account.I couldnt open the account anywhere else for so many months because other banks used to say i have to pay the negative balance to bank of America to maintain the bank history.I am so terrified now i dont keep any account i have a fear they just take out our hard earned money.Recently i got to know that there were so many other victims like me who reported to the CFPB who are eligible for compensation from Bank of America.I would request a sincere help from CFPB to investigate if I am eligible for this compensation too.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX website informs me that my credit card has been permanently closed, written off, and acquired by a third party. SEE ATTACHED DOCUMENTS Yet XXXX  XXXX Reports to XXXX XXXX, and XXXX that the account is written off, currently past due XXXX as of this month, and that XXXX is over XXXX XXXX limit so my credit utilization is 120 % Since XXXX  XXXX no longer OWNS the account, they can not report it as past due as of this month, XX/XX/XXXX, or any month they haven't owned it. Therefore the balance should be XXXX for XXXX XXXX since they wrote it off and someone else acquired it. And since balance should be XXXX, they can not continue to report it past due as of XX/XX/XXXX, or any month. SEE ATTACHED DOCUMENT WITH THE WAY ALL XXXX XXXX CONTINUE TO REPORT Crdit Bureaus won't even look at it, speak to me on the phone about it, or anything, because they almost instantaneously respond to my dispute that XXXX XXXX has confirmed and they won't they wont even look at my paperwork that says differently THIS ACCOUNT HAS BEEN WRITTEN OFF FOR SINCE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never authorized these inquires so please remove them. These items are not mine This is Fraud that I have them in my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$820.00} ; XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX {$9800.00} ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lender falsely " verified '' that my Fidelity Visa account continues to have a balance after it was paid off. I was securing a mortgage and this interfered with my credit score and more importantly, my buying power. They did this after I 1 ) wrote asking them to update the credit reports, 2 ) telephoned to ask them to update the credit reports and 3 ) communicated with customer service. Although their representatives are polite, they are not provided tools that are designed to be customer centric and solution oriented. It is as if they are trained to say " no. '' I was provided a letter, which demonstrates the inaccuracy of the " verification, '' but as a practical matter it did little good. Modernly, the banking industry insists that the credit reports get updated. Curiously enough, even XXXX relies on credit reports being accurate when making decisions about customers and ironically don't rely on other information. XXXX was literally ( literally ) the ONLY credit card issuer to do this to me. I had some with small balances, issued by lenders that manage portfolios known to include weaker borrowers and they did force updates to my credit reports immediately. As a A+ level lender, I expected a lot better customer service experience from XXXX XXXX This is the only time I ever asked for assistance from them. I AM SO DISAPPOINTED IN THEM.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal authorized hard inquiries from several different companies My latest credit report shows on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ally Financial C/O GMA, XXXX XXXX XXXX I did not authorize. I am writing to dispute the following inquiries and asking for their removal from my credit report please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved
Product: Debt collection

The original creditor was Departme nt Stores National Ban k. The original debt problem was in  XXXX . I lost my job and was n't able to find another job. I was unable to pay off the debt. Departme nt Stores National Bank assign ed a debt collector,  XXXX   XXXX   XXXX . I negotiated a settlement and on  XXXX / XXXX / XXXX  the debt was paid off to  XXXX   XXXX   XXXX . I have the original letter of proof from them stating the debt is paid. Just after that date, Departme nt Stores National Bank hired 2 other debt collectors ,  XXXX   XXXX   XXXX  and  XXXX   XXXX   XXXX  to try to collect the debt again. I had to send them a copy of the pay off letter and they were satisfied. Departme nt Stores National Ba nk then hired  XXXX   XXXX   XXXX   AGAIN to collect the  debt. This was on  XXXX / XXXX / XXXX .  XXXX   XXXX   XXXX  said they did not show a record of the pay off. I had to send a copy of the letter FROM  XXXX   XXXX   XXXX , TO  XXXX   XXXX   XXXX  to prove I paid it off. If I would n't have had a copy of it, they would have said it was never paid. Then on  XXXX / XXXX / XXXX  Departme nt Stores National Bank   hired  XXXX   XXXX   XXXX  - same process. On  XXXX / XXXX / XXXX  I received another letter from another collection agency,  XXXX   XXXX   XXXX  again saying I still owed the debt - same process. Then on  XXXX / XXXX / XXXX  I got a letter AGAIN from  XXXX   XXXX   XXXX   ( no w known as  XXXX   XXXX   XXXX  ) saying I still owe the debt - I went thru the process again. Now I just got a letter AGAIN from  XXXX   XXXX   XXXX   XXXX   XXXX  saying I STILL owe the debt. It 's even signed by the SAME person as last years letter!!
Product: Debt collection

All dates, all amounts, and all actions as stated in step XXXX. 

Show me the evidence : Where a contract exists between myself and the debt purchaser. 

Where my signature exists with debt purchaser. 

Any acceptance from myself in any form to debt purchaser. 

Basis of how the debt purchaser is claiming I owe them any money they are reporting to any and all credit reporting agencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX of XXXX leased a vehicle in my name to someone that was NOT me. This person was able to sign for and leave with a brand new XXXX XXXX XXXX. They kept this vehicle over 2yrs before it was repossessed in XX/XX/XXXX and hit my credit just 3 months shy of the turn in date in XXXX. I requested all original documents from Chrysler Capital and when received, seen and verified it was not my signature or initials, not did I ever pick-up or receive this vehicle. I have asked for this account to be removed from my credit due to circumstances, but it has not been.
Product: Vehicle loan or lease

I was sold a truck illegally its been welded on the frames the welds are rusted and shifting on the frame, the first day I got it the differential broke so I had them fix it and they told me there was nothing else wrong with the vehicle. Got it back my headlights never worked only the highbeams, the clocking in the steering column never worked the a arm was also welded crooked onto the frame illegally, The swaybar links were bent so when we put new ones on the whole front end popped off and we had to put the bent ones back on, found out that the truck was dog walking meaning the frame is twisted, go to a mechanic who then put it on a highlift said that the truck was definitely in an accident and it was never reported Ive got pictures and paperwork from the mechanic end it says that its been in an accident. I get more than eight calls a day from their loan sharks, I went down to Arizona from Colorado to try trade in the truck and the guy at the dealership laughed at me in the face and said that I am liable for everything and Still try to sell me another lemon off of his lot. The check engine light came on two weeks after I got the truck back, hes also not willing to fix the truck as well. I asked them if they can just take the truck back because I didnt want it anymore and I wasnt going to pay for it anymore and they told me that it doesnt matter that they were going to still hold me liable for whatever the truck is worth after an auction. But that they were going to put the truck back on the street its going to kill someone because it is illegally welded on the frame it should be in a junkyard!!! 
Hurt my credit, Lied about the price, Bogus or hidden charges, Low quality product, Collections issues, Bad customer support, Robocalls, Won't let me cancel
Product: Credit card

I found out a " guest '' online at Kohls ordered {$480.00} and change for boys/mens school clothes bookbags etc. on XX/XX/2023 and had it sent to Ohio Kohls store to be walked out to their car and the transaction was done on my account without my knowledge for almost 2or 3 weeks. I found out when I got an email on the 3rd from Kohls asking to rate my purchases. I then tried to log into my accounts and the password was somehow changed as well. I did finally get to see indeed I was charged for the above amount. Note also that my Kohls card stays at home as I don't use it much so the only way for someone to get it is by theft at a store where I used my license to pull up the account at customer service or a data breach that has my info listed. Capital one is the bank involved and I did receive a check for the data breach on the day or day before I found out about the theft. So I don't know how exactly the person got the info. 
I reported it to the Federal Trade Commission and filled out the form requesting immediate reply of all of the info Kohls has/had on the theft. Kohls has refused to send me any info. regarding this other than what I was told by " XXXX '' in a chat that gave me the amount of the theft and the store number of where the thief picked up the merchandise. As of today, XXXX.I still have NOT received the info requested on the Federal Trade Commission 's form I sent back around the XXXX  of XX/XX/2023 when I found out. It was received according to my tracking on XX/XX/2023 by Capital One 's agent ( the bank for Kohls ) but I have gotten nothing in reply and am getting lots of spam emails from " Kohls '' about that. " I won.. '' I haven't entered any contests with them and lots of other fake theft emails since the Capital One data breach. 

I need to know who stole my account and all information in order to have them arrested and to find out how much of my info is out there being seen. Capital One/ Kohls are not cooperating and have been alerted 3 months ago!
Product: Checking or savings account

The bank that I am a member of since XXXX have placed a restriction on my use of debit card for a year. When I found out I contacted them ask the reasons behind their decision. I was told by a supervisor that didnt have a reason or didnt know the reason, yet he went on to tell me that Ive had XXXX debits replaced. I have XXXX checking accounts with Navy Federal Credit Union but have XXXX card that I use. Last week I called to report that there was XXXX charges on my account from XXXX subscriptions that I cancelled but they continued to bill me and ask them to stop. I didnt cancel my card until a day or so later because I had a charge from XXXX which I know wasnt from me Ive never used XXXX XXXX Thats when I reported the charge and canceled card. XXXX days later Im not restricted for a year from using debit card. So am I suppose to just not do anything about charge I didnt make. Ive tried to file an appeal but if I dont know the reason behind this decision I dont know how to defend myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A collection account was wrongfully added to my XXXX credit report, without any validation of the account legit and truly belonging to me. I filed a dispute with XXXX and they have refused to remove the account from my report, because my name and address was " verified '', However, This doesn't prove that the account is mine. 
I would like to have this account removed from my XXXX credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I received a copy of my 3 credit reports and I found several items listed incorrectly on every one of them. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], as a consumer, I can dispute the items listed incorrectly.

I've disputed the method of verification by requesting from TransUnion, XXXX, and XXXX the following : The name of the courthouse The person 's name they verified the dispute with The documentation used to verify the dispute The process of Missouri Federal Bankruptcy Courts disburse consumer public information to credit bureaus I've received a response from the Missouri Federal Bankruptcy Courts relating to correcting inaccurate errors from credit bureaus. Missouri Federal Bankruptcy Courts as the original creditor, does not provide any information to credit bureaus. I've question the inaccurate information and I've believe my rights are being validation. Im planning to apply for a VA mortgage loan, and this unverifiable inaccurate information listed on TransUnion, XXXX, and XXXX is negatively impacting my ability to qualify.

Thank for your time and assistance, XXXX XXXX
Product: Debt collection

This debt was paid in full XX/XX/2024 and they have a weird balance in collections after this was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit Bureaus over 30 days and I am yet to receive a response, these items should not be on my credit report, they are inaccurate and I demand to have them deleted
Product: Credit reporting

XXXX is reporting inaccurate info on my credit file in which the open date does not match the true open date. It is years off and the last reported day was XXXX XXXX 2016 which is odd since I made no contact with the company. It 's not legal to refresh a credit debt. It looks bad on my report showing a inaccurate date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit Reporting act XXXX  Account number XXXX XXXX XXXX and Account number XXXX XXXX has violated my rights 15 U.S.C section 602A. States I have right to privacy. 15.U.S.C.A section 2 : it also states a consumer reporting agency can not furnish a without my written instructions.
Product: Credit card or prepaid card

I went to an XXXX XXXX store on XXXX to purchase a few items for my grandkids. A girl in the store approached me and asked if I had an XXXX XXXX card and I said yes, then she said would you like to up grade it to a XXXX card and made all these offers and discounts on the purchases I would make so of course I agreed. I never dreamed they would send a different card with the amount I spent that day which doesn't make sense why would I apply of an XXXX XXXX card if I have one. And, if they upgraded to XXXX I would still just get more credit and a new card with a XXXX XXXX. I am having enough problems paying my bills these companies do that so they can charge you INTEREST ON TWO DIFFERENT ACCOUNTS FOR THE SAME PLACE. Synchroncy Bank is famous for that they did that once before at a XXXX  store and I couldn't get out of it. So this time I'm over it.
Product: Credit reporting or other personal consumer reports

Capital one credit card ending in XXXX reported a late payment to my credit report without my permission being noted and failed to provide the requested proof that my payment was late on XX/XX/23. Also failed to provide my permission that I would allow any late payments to be provided to the credit reporting agency.