23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a credit card application # XXXX it was denied based on information in my credit report, the information it was based on was authorized user account information and not information associated with me i spoke to an underwriter, he submitted it for approval the application was then sent to credit abuse, not sure why my application would go to credit abuse, but your agents are so highly uneducated its weird. 

They wouldnt let me speak to someone regarding it its dealing with gate keepers, they are horrible, i then get a letter it was denied because i had an account closed with chase. I have NEVER had a card or checking account with chase that was closed. I currently have an account with chase and its my checking account and savings account the rest of the accounts i was on were all authorized user accounts. The only time an account would have been closed in the past would have been because i didnt fund it or it wasnt used.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion and Blocking of Accounts Due to Data Breach - XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ) I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have appeared on my credit report. In accordance with XXXX XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ), I am requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These accounts and inquiries were opened due to unauthorized access to my personal information. 
Accounts to be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Midland Credit Management XXXX Inc didn't send me a 1099c for debt cancellation that's been charged off, and is over {$600.00} dollars which is consider taxable income. Reporting to your consumer report is illegal and is tax fraud.
Product: Credit reporting or other personal consumer reports

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

XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  : # XXXX, XXXX ( original creditor : XXXX XXXX XXXX ) : # XXXX, XXXX XXXX  ( original creditor : XXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX : XXXX XXXX, has violated my rights I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

XXXX, EQUIFAX and XXXX received my letter disputing errors on my credit report on XX/XX/year> and never responded to my request to update my credit report I submitted documents to support my claims and still no response. These unauthorized accounts and errors are hindering me from being able to properly utilize my credit effectively
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 605B ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit card or prepaid card

XX/XX/XXXX I called Citi to report fraudulent charges and report the card lost/stolen. the lost stolen was taken care of right away but the fraudulent charges have not all been credited back to the account after several calls to the company.Sent Cit a file on XX/XX/XXXX showing the 60 fraudulent charges from XX/XX/XXXX - XX/XX/XXXX along with dates, description, and amount charged. I've made numerous calls to Citi ; XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) always being told I would see the credits in 2-3 business days. On XX/XX/XXXX spoke with XXXX a XXXX in XXXX XXXX in FL and she said a complete audit would be done on the account and everything would be cleared up in 7-10 days. Called Citi one last time this morning ( XXXX ) and spoke with XXXX, again he said he would have it looked into. 

Since it's been over 60 days ( and out of the timeframe for a dispute to be resolved, I informed Citi I would contact the CFPB for resolution.
Product: Checking or savings account

Some one has open a bank account using my name and information on XX/XX/2020 they never sent me anything on this account I was unaware that it was open .it 's comenity bank in XXXX XXXX tried to get it them to take care of it but they have not made any attempts to contact me
Product: Vehicle loan or lease

I financed a XXXX XXXX XXXX through the company Westlake Financial Services. I was told By XXXX XXXX XXXX after I gave them a down deposit of XXXX to tell the Westlake that I am already driving the car on XX/XX/XXXX but I did not pick up the car and actually drive it till XX/XX/XXXX. My car payment was set for XX/XX/XXXX, I made a partial payment of XXXX on XX/XX/XXXX. I later received a call from Westlake regarding my balance and explained to them I will be able to make the rest of the payment on XX/XX/XXXX. I was told that would be okay and they will just call me again to make sure. On XX/XX/XXXX, I received a phone call from XXXX XXXX telling me they will pay the other half of the bill but I have to come down now to resolve the issue. I get to the auto company and they show me a letter sent via email stating Westlake would like for them to buy they car back and XXXX pressured me to leave the car on their lot and take all of my belongings. On my contract it does not state a grace period and it does not state what it is considered a miss payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$870.00} XXXX XXXX XXXX Balance {$810.00} XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX Balance {$32000.00} XXXXXXXX XXXX XXXX Balance {$830.00} XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX Balance {$660.00} XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$910.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXXXXXX XXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$950.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I wish to formally state that I am exercising my right to dispute any inaccurate information found on my credit report by the Fair Credit Reporting Act. The integrity of my credit report holds significant importance to me, and I kindly seek your cooperation in addressing any discrepancies. I am aware that creditors must verify and substantiate the details provided in my credit report before utilizing them. I hold a firm belief that the accusations of delinquency and derogatory remarks attributed to me are unfounded, and I request substantiating evidence supporting the adverse status of my accounts. I humbly request that you furnish proof of a legitimate reason for the inclusion of any inquiry or account on my report. 

XXXX XXXX XXXX XXXX XXXX  This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. ''
Product: Credit reporting or other personal consumer reports

As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 16881c2 you are in violation for reporting a fraudulent account on my report. I demand this account to be removed within 4 days of receipt of this letter. 
There are multiple Fraudulent Inquiries on my credit profile that I did not do. Please remove these fraudulent inquiries from my report within 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple of disputes no information provided by the company ( XXXX  XXXX  ) is matching any of 3 Credit Bureaus .Enclosed is a reply from XXXX XXXX 
I have only received a reply from Experian that they verified information and its accurate and complete!!!??? Accurate and complete??? As per enclosed Screen Shot last time they verified this account XXXX means they never did .XXXX  sent me XXXX  sent me a post card stating that they can't find me in a system with a bogus explanation, which is basically computer generated " go away, do not bother us no more '' message .XXXX  did not even bother to reply ever .Please review all attached documents and Certified Mail Receipts.

Bellow is my brake down of how the account is reported by the furnisher and all 3 Credit Bureaus : Date account opened : XXXX  XX/XX/XXXX Ex XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX # of Month of terms : XXXX XXXX Ex. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : XXXX {$6100.00} Ex XXXX XXXX XXXX XXXX XXXX Date of Last Activity : 4 different dates, even years!!!!!!!! 
XXXX XX/XX/XXXX Ex XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Which raising a huge question about when this account should come off the report!!! 
Please examen their own ledger. 

Date of Last Payment : Different Dates and even years!!!! 
XXXX XX/XX/XXXX Ex XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Which raising a huge question about when this account should come off the report!!! Please examen their own ledger. 

Last time reported : XXXX XX/XX/XXXX Ex XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX It means XXXX have never conducted investigation and have never responded to XXXX  and Experian .XXXX and Exppirian have never initiated investigation either. 
Now its even more understandable why all dates and dollars mismatch. 
What is even more interestingly that contract that apparently has my signature on it Doesn't have an account number that XXXX XXXX  refers to!!!!! How do I even know who this account number belongs to??????? 
To establish the credit file the furnisher must submit the initial contract to all 3 Credit Bureaus, than how this account number belongs to me without my signature????
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  XXXX ( Original Creditor : 11 XXXX ) XXXXXXXX
Product: Debt collection

ALDOUS AND ASSOCIATES Reported : XXXX XXXX XXXX {$1300.00} I have reported this to the credit reporting agencies many times, and not nothing prevailed to solitify the issues in a resolution.
Product: Debt collection

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT the following collectors are in violations of my rights as an consumer. US DEPT OF EDXXXX {$46000.00}, US DEPT OF EDXXXX {$22000.00}, XXXX XXXX XXXX XXXX {$11000.00}, XXXX XXXX XXXX XXXX {$7700.00}XXXX XXXX XXXX XXXX XXXX {$6800.00}, XXXX XXXX XXXX XXXX {$5300.00}, XXXX XXXX XXXX XXXX {$3900.00}, XXXX {$2600.00}, US DEPARTMENT OF EDU {$8300.00} XXXX US DEPARTMENT OF EDU {$4100.00} , US DEPARTMENT OF EDU {$14000.00} , US DEPARTMENT OF EDU {$5200.00} , US DEPARTMENT OF EDU {$11000.00} , US DEPARTMENT OF EDU {$3400.00} , US DEPARTMENT OF EDU {$4400.00} , US DEPARTMENT OF EDU {$5500.00} , XXXX XXXX XXXX {$24000.00}, XXXX {$5500.00}, XXXX {$4000.00}, XXXX {$2600.00}, XXXX {$4000.00}, DEPT OF EDXXXX {$5500.00} also FRAUDULENT INQUIRIES FROM ALL Credit Bureaus. I have provided an FTC identity theft report with the 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. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Debt collection

I received in regular mail a threat that they ALREADY filled a suit against me and the only way to ameliorate the suit is to pay them {$910.00}. They are also threatening to do a hard inquiry on my credit report. 

The letter is from XXXX XXXX XXXX, XXXX, XXXX. 

XXXX XXXX XXXX. 
XXXX, OR XXXX The supposed debt is for Wells Fargo ; they are alleging I have an overdrawn account I owe for. The problem is, I havent had a Wells Fargo account in 15 years or more and do not owe them money, not to mention there arent Wells Fargos in HI where I live. The reason I know this is, this is the second fraudulent attempt to collect debt on behalf of Wells Fargothat I dont owe and have never owed. I confirmed this with Wells Fargo about 6 months ago and have the letter. I also filed a similar complaint with CFPB at that time which was resolved in my favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, Synchrony has reported me as being XXXX.I reported them before because previously they listed me as being deceased on another account. This caused Accession collections to torment me regarding an estate for the deceased. I AM NOT DEAD!!!! This has caused me a lot of stress and anxiety telling people I am not dead. Why did they do this?? 
This is from XXXX. 

SYNCB/CARE CREDIT Balance updated XXXX XXXX, XXXX Account Info Hover over labels for more details Account number XXXX Account status - Date opened XX/XX/XXXX Account type Charge Card Usage : - Balance on XXXX XXXX, XXXX Credit Limit XXXX {$7000.00} Payment Info Status Consumer reported as deceased Status date XXXX XXXX
Product: Credit reporting or other personal consumer reports

WELL I CHECKED CREDIT REPORT BECAUSE I WAS BUYING A NEW CAR AND THATS WHEN I NOTICED ACCOUNTS THAT DIDN'T BELONG TO ME SO I SUBMITTED AND FTC IDENTITY THEFT REPORT ALONG WITH MY SUPPORTING DOCUMENTS AND THEY HAVE FAILED TO REMOVED IT. I HAVE ALSO ASKED THE COLLECTION AGENCIES FOR THE FORWARD FLOW AGREEMNET TO EVEN PROVE THAT ITS MY DEBT OR IF THEY EVEN HAVE THE RIGHT TO COLLECT ON THE DEBT.
Product: Credit card or prepaid card

Discover Card new in 2022 all bills paid out. In XXXX insurance on my primary home and rental came due had requested both companies for change due to XXXX premium increases. Time got short was asked to use credit card approx. amount around {$5000.00} for both was approved by Discover They would send email over limit. I called my bank was making XXXX payment to Discover which they required only {$800.00} but instead I paid out full amount. Then received email from XXXX for IRS info I call Discover about if this was a problem ok filled out IRS form Seems I didnt finish filling out so I called back a lady explained what happened the form was hard to read but we got it done. NEVER did either those whom I spoke with at Discover or XXXX inform me that my card would be discontinued. This was found out when I tried to use the card at a gas station. So I called Discover to find out what went wrong spoke to another personnel who was not very helpful so I requested the Supervisor XXXX XXXX she said that XXXX in my email that my account would be close til they finish with my investigation from the IRS. I have the email from XXXX and there is no where that it states my account would be closed and unable to use til further notice. This is not the first time a Credit Company has shut me down without any reason XXXX XXXX close my account when I had to evacuate from hurricane Ida. I'm on the Interstate with my sister whom has XXXX and XXXX and a XXXX ft travel trailer once I again has funds to get us home. I Did Not Have a problem with making payments or paying any of my bills to either of these companies and to do this kind business is unthinkable I'm XXXX yrs and care for a XXXX  sister i cant even begin to express the shock and disbelief to have this unquestionable events to occur. This needs to stop they should be reprimanded. XXXX needs to be made responsible for their actions also. Let it be clear I requested to be tape in my conversations with Discover and I sent letters to XXXX and XXXX XXXX. I have now recent filed for a new credit card with my bank and have been approved. I will like to hear of a response and or any action that any occur as a result of this complaint. Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of all accounts associated with my personal information due to a recent data breach. Below is a list of the affected accounts and inquiries : Accounts in Question : Account Name : XXXX Date Opened : XXXX Account Name : XXXX XXXX Account Number : XXXX Balance : {$4100.00} Date Opened : XXXX Hard Inquiries : XXXX XXXX ( XXXX ) XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX  ( XXXX  ) XXXX XXXX XXXXXXXX ( XXXX ) XXXX Personal Information : Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX This request is being made under the Fair Credit Reporting Act ( FCRA ), and I reference the following sections : XXXX USC XXXX ( a ) : I request the immediate blocking of any accounts opened fraudulently in my name. 
XXXX USC XXXX : Please investigate and delete any inaccurate or unverifiable information resulting from this breach. 
XXXX USC XXXX ( b ) : I ask that you conduct a thorough review of my credit report and correct any inaccuracies caused by this breach. 
XXXX USC XXXX ( a ) : I am requesting a full copy of my consumer report to verify the accuracy of the information being reported. 
XXXX USC XXXX : Please ensure that no negative information from this breach is reported inappropriately. 
I respectfully request written confirmation of the actions taken regarding my accounts, along with an update on any measures XXXX is implementing to safeguard my personal information from further misuse. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX