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

I went to get a loan for school from my bank and was denied. I should not have been denied. I went a pulled my credit and there are some items on there that are not mine. Please remove XXXX XXXX XXXX, XXXX. XXXX and XXXX XXXX. There are three bankruptcy showing on my XXXX. I have never filed banktruptcy. Please remove those bankruptcy as well. I have contacted the FTC and my local police. I'm doing this on my own.
Product: Debt collection

I had a loan from LoanMart for a vehicle while I was in the XXXX XXXX. I notified them that I was being called to XXXX XXXX and they took the car. They auctioned the car off. They got all of the balance except {$890.00}. Now they are after me today 7 years later for {$6400.00}. It is past the 7 years to report this per the Fair Credit Reporting Act, is way over the Statue of Limitations. They sent me an email saying the balance was {$890.00} so I would call and then said I owe them {$6400.00}. When I could n't pay that they threaten to put liens on any current vehicles I had, threatened to have me arrested, threatened to sue me and take garnish my wages. This was from XX/XX/2015 to XX/XX/2015 which I believe was almost 7 years ago. They violated the Soldiers and Sailors by repossessing the car after I notified them. 
None of the correspondence said they could n't sue me so they led me to believe that they easily could. I was ready to start paying them when a friend of mine told me that what they were doing may be illegal.
Product: Vehicle loan or lease

the car was sold for XXXX I put down XXXX the loan book came with a XXXX for a used car with XXXX miles I was told my payment would go from XXXX to XXXX in 6 months all lies I want to join the law suit going for credit acceptance corporation XXXX XXXX XXXX car dealer ship that is making these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX
Product: Credit card or prepaid card

Capital one is refusing to increase my credit limits By request or automatically I have been with with this company for several years I requested for them to do a manual overlook of my credit and they refuse they say they use a automatic system to which is computerized and its always generating a negative number for my credit I have pay several things off of my credit and I have lowered my XXXX by 65 % Capital one is definitely unfair to their consumers when it comes to a credit line increase I have a plied for new cards that they offer and I always decline me sometimes I feel like this is a form of discrimination
Product: Money transfer, virtual currency, or money service

I purchased XXXX on Binance using an ACH transfer of {$5000.00} from my Chase checking account, the transaction date I purchased on was XX/XX/21 and the date the money came out of my XXXX account was XX/XX/21. That being said there was a lockout period with Binance to be able to withdraw the XXXX cryptocurrency I purchased and I waited until the lockout period ended and attempted again, it still will not allow me to remove my XXXX to my personal wallet and there is no way to reach them other than via creating a ticket on their website. When you create a ticket they state they are busy handling tickets and not to contact them again, they will contact me ( in fact it states if I attempt to reach out a 2nd time they will move further back in line ), however they do not even give a timeframe or ETA as to when they will address my question and allow me access to MY funds. This has happened a few times with their platform where they withhold funds beyond the timeframe they state ( with multiple different error reasons coming up that do not make sense ) they are locking them and then do not respond appropriately to requests to fix the issue. I am very frustrated at this point. They received my ticket 4 days ago and have not responded ( support ticket # XXXX ). I would like these new platforms to be held accountable more an be required to do things within a certain timeframe, be required to have more than just an online ticket format to contact them, etc. It is a huge problem and I see multiple similar complaints on online forums I follow all the time where these companies are not being held accountable to their customers, yet are massively profiting off of the same customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX # XXXX, XXXX  XXXX : # XXXX, 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, 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 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 card

I have filed 2 previous complaints with CFPB regarding an alleged charged off account showing on my credit report from Nordstrom. I have requested the 1099c from this company, confirmation of any insurance claims made in reference to this account, and demanded to see ALL documents not just statements in regards to this account reporting. Nordstrom has not responded directly to my requests, only denying that they will remove the account and stating what they see in their records. This is my official demand for arbitration since Nordstrom credit card has continuously violated my rights under the FCRA. I wanted the account removed and now I will also be seeking monetary compensation for these violations as outlined in 15 USC 1681n ( b ), I only want communication via email for my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Date XX/XX/2022 To Whom It May Concern : I was just looking over my credit report and found some addresses that appear to be incorrect. Ive enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX Please remove inaccurate employers as well as listed below : XXXX XXXX XXXX XXXX XXXX Please remove inaccurate phone number as well as listed below : ( XXXX ) XXXX Once you have deleted the inaccurate addresses, employers and phone numbers from my credit report, please send me a copy of my updated report. 
Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing an urgent complaint against XXXX for their clear disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The inaccurate and unverified account reported by XXXX has significantly damaged my credit score and financial standing. This has led to considerable hardship, including challenges in obtaining credit, increased interest rates, and substantial XXXX. The actions of XXXX have caused undue harm to my financial reputation and stability.
Product: Mortgage

This loan was discharged and paid off in a Chapter XXXX bankruptcy on XX/XX/2017. On several occasions, I requested the title for the property. Also, the debt is currently being reported as delinquent on my credit report.
Product: Credit card

I contacted Capital One about late fees on an account I've had on automatic payments on tuesday, XX/XX/year>. The representative said the reason the late fees of XXXX XXXX  were added was because i was paying XXXX XXXX  a month and the minimum was XXXX. I explained that the minimum was less than XXXX XXXX  a month, I had no new purchases and that I pay more than the minimum which is why it was set at a XXXX  amount and not the default " pay minimum " option. At this point the representative got argumentative and told me I'm a liar. I then cancelled all credit lines with Capital One. I was never notified of a minimum payment change nor given reason why me paying additional on the accounts was no longer enough to cover especially without accruing more charges. Their business practices are predatory, dishonest and their representatives are trained to argue with customers instead of resolve issues.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I formally disputed inaccurate and unverified information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The following accounts contain errors and must be removed unless properly verified per federal law : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Dispute Basis & Legal Violations 1. Violation of 15 USC 1681i ( c ) ( 2 ) Block of information resulting from identity theft. Due to data breach. 2. Violation of 15 USC 1681i ( a ) ( 1 ) 30-Day Response Requirement Under this statute, you are required to conduct a reasonable reinvestigation of disputed items within 30 days. Failure to meet this requirement mandates the immediate deletion of the disputed accounts. 3. Violation of 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to Provide Investigation Protocols If you claim the accounts were verified, I demand documentation of the investigation process, including the method, sources, and the name of the party who verified the information. Simply stating an item was verified without proof is a violation of my rights under the FCRA. 4. Violation of 15 USC 1681i ( 2a ) ( 5 ) ( B ) Improper Reinsertion of Previously Deleted Items If any of these disputed accounts were previously removed but reinserted, you must provide written notice within five business days of reinsertion, per FCRA guidelines. If you can not comply, the accounts must be permanently deleted. Request for Immediate Resolution If you can not substantiate these accounts with documented, verifiable proof from the original creditor, you must promptly remove them from my credit report per FCRA 1681i ( a ) ( 5 ) ( A ).
Product: Credit reporting

Equifax has repeatedly ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Its been 60+ days and they can not properly verify these accounts according Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I 've disputed. Please resolve this immediately as its proving harmful to my credibility and deteriorating my peace of mind. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan was discharged in bankruptcy in XX/XX/XXXX. I ocwen loan servicing obtain the loan approximately XX/XX/XXXX, and started reporting to the credit agencies. I would this to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

when i applied for a truck loan in 2016, when they ran my credit, none of my creditors showed up on my report except for 1 account that had already been closed. i ordered my free credit report and upon receiving it in the mail, it has none of my creditors on it. i called them to file a complaint and they said to call the companies to see if they were reporting to the agency. i did that and was told they are reporting as always. yet still after a year of trying to get to the bottom of this it, my credit report is still BLANK. No one is able to help me, I've called numerous people for help and am getting no where. HELP!!
Product: Checking or savings account

On XXXX XXXX 2021 I had a fraudulent charge on my debit card through Bank of America for an approximate amount of {$1400.00} which took place in Nevada. The company that took the money out of my account without my authorization/permission is called XXXX XXXX . I had contacted the bank numerous times and not a single person helped. I did file a dispute and they told me I made the charge and there was nothing they could do. I do not and have never traveled to Nevada as I live in Michigan. Bank of America has never shown proof nor documents stating that I purchased this ticket and will not refund me my money.
Product: Credit reporting or other personal consumer reports

Your client XXXX XXXX here on an visa and with two fake SSN numbers XXXX and XXXX. Lying that he purchased XXXX XXXX XXXX in XX/XX/XXXX for XXXX from XXXX XXXX. He gave committed forgery cashing two checks in my name XXXX. XX/XX/XXXX XXXX. Mailed out XX/XX/XXXX. XXXX informed me yes he did it and make police report as XXXX Det. XXXX XXXX XXXX and conducted a affidavit of forgery on XX/XX/XXXX. Recall that XXXX name this deed fraud under XXXX against XXXX XXXX XXXX 

On XX/XX/XXXX at XXXX for XXXX minutes I spoke to XXXX  mortgage department XXXX XXXX and he said a guy name XXXX XXXX XXXX lying saying XXXX XXXX has clear title but is no clear title in this file. They have attached to your loan XXXX another loan as XXXX for XXXX to XXXX XXXX XXXX  and still hiding it and lying to me that they have it. 

On XX/XX/XXXX I spoke to XXXX  checking investigator XXXX and he said that fake SSN number led to where XXXX XXXX cashed your XXXX checks into XXXX XXXX XXXX XXXX AZ same as XXXX XXXX XXXX XXXX  XXXX XXXX just moved her office there a year ago.
Product: Debt collection

My credit card was lost or stolen. I called and reported my card as stolen. 
Somebody stole my credit card. When my statement came I saw there were transactions that I have never made. I reported my card as stolen, but the transactions and the balance were never removed from my name. Now, I am in dealing with Midland Credit Management as they are charging me for transactions that I never made.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXXXXXX XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX XXXX XXXX XXXXXXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXXXXXX
Product: Credit reporting or other personal consumer reports

Transunion shows a hard credit inquiry on my credit from XXXX XXXX XXXX I did not apply for any credit or loans with them or anyone else recently. The date shows as XX/XX/year>. I called XXXX XXXX, and they show no credit applications or anything for me. They advised me to dispute with Transunion, and Transunion advised me to dispute here.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

I submit this complaint today to apprise you of my identity theft victimization. Following a visit to the Federal Trade Commission website ( https : //www.ftc.gov ), I filed an identity theft report, denoted as # XXXX. Pursuant to FCRA Section 605b, Credit Reporting Agencies are mandated to expeditiously remove any items enumerated in an identity theft report. Additionally, in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to eliminate items in the consumer file identified by the consumer as information stemming from an alleged identity theft, no later than 4 business days subsequent to the date of receipt. Enclosed herewith are the ATTACHED documents and FTC Report, intended to facilitate the removal of erroneous information and inquiries presently affecting my credit reports. The following items, neither belonging to me nor authorized by my consent, are outlined below : -- -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am a victim of identity theft.My personal information was compromised and accounts were opened fraudulently in my name without my knowledge and approval. 
This company requested that I provide detail proof of my identity theft. I sent this company my dispute, Police report and my identity theft report on XXXX but to my surprise this company have not removed the fraudulent accounts from my credit report within the 4 days as required by law. 
Again these accounts are fraudulently reporting on my report, please delete asap : 1.XXXX  XXXX XXXX # XXXX -This Account is Linked to fraudulent charges, PLEASE DELETE 2.XXXX XXXX XXXX XXXX  AC # XXXX I did not open this account, please remove asap 3. XXXX XXXX XXXX AC # XXXX*****-This account was fraudulently opened, delete asap This my third and final notice to this company as I declare my final Intent to sue.I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. 

Attached herewith 1. My dispute i sent to this company on XXXX 2. My police report 3. my FTC report
Product: Mortgage

My ex left me, she is on the mortgage, she had a restraining order on me for 30 days until court where her complaint XXXX was dismissed. During this time she lived in the house and did n't keep the payments up. So when I was able to get back in the house I begin to make the payments again. I was one month behind at this point. During the past couple months I had been talking to the mortgage company, Freedom Mortgage, and making payments we discussed a repayment plan that initially sounded like a good deal then after further consideration it was determined at the time that this was not going to work. They are saying that I broke an arrangement and now they need two full payments or they will not even talk to me. They changed the terms of the loan which has now put me 3 months past due including the current month and they are refusing to accept any payment from me which has put me in an even worse position because I am doing everything in my power to get it caught up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the creditor who reported they have reported the new updated accurate information through e-oscar but Experian stiff refuse to update the information. 
Experian has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at Experian infliction of emotional distress and at the other diminishes of the quality of my life. 

I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, Experian, and XXXX XXXX ). 

As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions Experian is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.
Product: Money transfer, virtual currency, or money service

There has been unauthorized activity with my Paypal account. On XX/XX/year> {$990.00} was withdrawn from my bank account and added to my Paypal balance. The unauthorized user then added two banks and proceeded to withdraw money from my Paypal balance and bank account. The transactions of XX/XX/year> for {$480.00}, XX/XX/year> for {$500.00}, and XX/XX/year> for {$470.00}. There was also a transaction of {$1900.00} being withdrawn from my bank account on XX/XX/year>, which is when I caught the suspicious activity and called my bank to deny the transaction. All transactions above are on my Paypal history. These transactions are all following an unauthorized change to my email and also an unauthorized upgrade of my account to a business account. With over 20 years of using Paypal, I have used only one bank account for withdrawals from my Paypal balance. I disputed the transactions and they stated that they did not see any unusual activity with my account, even after I explained to them that I have never used any other bank account with Paypal for withdrawals. I escalated the case for review multiple times but the appeal keeps getting denied.
Product: Checking or savings account

On XX/XX/XXXX, I discovered that my Chase checking account had been hacked and the hacking had been going on since late XX/XX/XXXX. Copies of all my statements showing the hacking are attached, along with my letter to Chase. The hacking was in the form of EFTs, or electronic fund transfers to various and numerous XXXX accounts. Please see the attached PDF. There were seven pending transactions on XX/XX/XXXX and Chase refused my request to try to stop them. As you can see from the attached PDF, those seven pending transactions totaled approximately {$10000.00}. In all, as you can verify from the attached PDF, the fraudulent EFTs totaled approximately {$180000.00}, which was a number given to me by a XXXX employee as I have been too upset to total them myself. 

I caution all my friends to check their statements, especially the Electronic Withdrawals section carefully so this does n't happen to them.