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

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX {$2400.00} DEPT OF ED/XX/XX/XXXX XXXX {$2900.00} DEPT OF ED/XX/XX/XXXX XXXX {$6100.00} XXXX, XXXX XXXX {$250.00} 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 OR EVENING XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to allege they did a reasonable investigation to prove that the bankruptcy they are reporting is accurate. Since you did an investigation you should have evidence to prove your claim for validation. Neither consumer agency provided this information to me for me to examine to see if this information is indeed fact.
Product: Credit card

USAA credit card division has a collection agency harassing me daily for a phony charge of {$3500.00} for merchandise that USAA has been in possession of for over two years!!!!!!!! 

USAA is full of lying, dishonest, scheming, unprofessional corporate creeps!!!!!! 

ATTENTION ALL MILITARY PERSONAL, PLEASE DO NOT BELIEVE THE USAA COMMERCIALS STATING THEY SUPPORT YOU!! 
THEY DO NOT!!!!! 
THEY WILL STICK IT TO JUST LIKE THEY DID ME!!!!
Product: Credit reporting or other personal consumer reports

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted your company and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I've made an agreement with Bank of American to pay off my debt in XXXX installments of {$68000.00} to be paid in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, however Bank of America listed me as delinquent because my payment was 30 days late and my last payment was on XX/XX/XXXX of {$100.00}.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$280.00} XXXX XXXX  XXXX Balance XXXX {$1700.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX : {$280.00} XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX : {$19000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$19000.00} XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit
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 : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy 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: Debt collection

This company has bought this debt from another debt collector as it has been sold XXXX  times now because its removed off my credit report as its not my debt. This is a fraudulent account. I have never had any debts with this company or the company it represents. All my accounts are in excellent standing and then right before XXXX when times are tough this company adds an account on to my credit that isnt mine. This is turn had caused me hardships and other credit card companies questioning my ability to pay and also I was turned down for a credit card and refinance on my vehicle. Its caused me sXXXX XXXX and XXXX and I have reported this account as fraud with the credit bureaus. This company never tried to contact me or never sent me a debt validation letter before adding this on to my credit or doing any due diligence to see that this is a fraudulent account. I have made a a complaint with Ohio General attorneys office and I want this removed off my credit immediately as Ill be seeking compensation for damages that is causing me XXXX 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 XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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

I been disputing these accounts as fraudulent and no one has helped me. 

I am a XXXXXXXX XXXX XXXX  who is in desperate need of the guidance from FTC and the credit agencies in order to begin getting my mind, life, credit, education, finances back on track. I just want a fair chance like everyone else. Thank you so much for helping victims like me. I really do appreciate it and I have faith everything will fall into place soon. As per the guidance from the CFPB, the documents needed to block these accounts are attached. I kindly request that you block this information from my credit report pursuant to section 605c of The Fair Credit Reporting Act as a result of XXXX XXXX XXXX XXXX, Trafficking Debt Final Rule. Please block all the fraudulent accounts stated in this FTC Report along with these accounts because I couldn't add more than 5 accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E.These actions have caused significant inconveniences and financial lost and I seek approach redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 : Credit Inquiry fro unauthorized source. 

I checked my credit report today and saw a hard pull on an inquiry from a company called XXXX. From doing some research it's XXXX, but I didn't request a new credit card. I already have an account with them in good standing for over 5 years and never requested a new card or an account.
Product: Credit card or prepaid card

citi credit card charging money without proper information due to an update to the security system the company change my id and password. in that instant I could not enter or look at my account. to see charges transactions. 

I called XX/XX/2020, to citi-bank credit card to solve this issue but the options the gave me were change my information or cancel i did not want to change my information so the only option they gave me was to close the account. which i accept to close the account. 

I asked for an print statement to pay any debt. As XX/XX/XXXX I have not received the statement yet. I had been calling several time to see the status or to asked for a new statement to solved this problem, unfortunately I have not being able to solved. I have an email that showed my statement debt as {$480.00} but citi representative told me I own the bank {$670.00}. 

I have to called my personal bank to stop payments to citi since citi was getting the auto-payment on XXXX even though i cancel my credit card on XXXX. I have recording of phone-calls with them where they just hang the phone. they let me hanging for 30 to 45 minutes on the phone. even the keep my thank you points I was not able to used them. 

i refuse to pay anything without a final statement that has everything writing down to pay the correct amount and refuse to pay interest due to the incompetence of the company to provide me with the information that i solicited long time ago.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquiries due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reached out to the bureaus and creditors regarding incorrect items on my credit report. I've been going back and forth for almost a year now and this is very frustrating that. My name is incorrect, my address is incorrect. I've opted out of having my information shared. I sent in letters from the bankruptcy court stating they are not reporting any bankrupt. I've tried disputing with letters and by phone but nothing seems to work. Student loan department have been reporting late payments when the account is actually in deferment. This is caused me quite but of stress. I would like only XXXX name and address on my report. I would like the XXXX to be deleted, Transunion was the only bureau who deleted the information. XXXX is reporting a collection with no contact information for me to see what exactly it is. They just send me letters saying this is verified. I'm not sure who verified this information if there is no creditor listed. XXXX XXXX XXXX is showing XXXX as a creditor one says a charge off and the other is current with a balance on XXXX and {$0.00} on the other.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting closed account that does not belong to me with XXXX. The account is under another persons name and should not be reported on my credit report. Transunion has not verified this account belongs to me after multiple attempts to dispute account. The dispute process through Transunion will not even allow me to dispute any incorrect information through there website or bring up credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Description XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX  Installmentwritten off profit/loss -- XXXX XXXX Closed Balance Owed : XXXX {$29000.00} Account Rating : XXXX Account Type : XXXX Account Status : Closed Date : Credit XXXX Limit : XXXX -- Creditor Remarks : CHARGED OFF XXXX ACCOUNT Date Opened : XXXX XXXX Date of Last Activity : XXXX XXXX High Balance : XXXX -- Last Verified : XXXX XXXX Payment Amount : XXXX -- Payment Status : XXXX CollectionOrChargeOff Loan Type : Automobile I demand that any wrong, incomplete, or unsupported material be deleted from the content that was never certified to be in conformity with reporting standards. The preceding data was never proven to be exact, complete, up to date, or validated, and I require any documentation confirming compliance with reporting obligations and any consumer legislation. 
Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
I was looking at Account Status ( XXXX ) expressing Closed. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof! 
Viewing Payment Status ( XXXX ) demonstrating XXXX. I am writing to inform you that the data for this account appears inconsistent or inaccurate with established reporting standards. I would like to request a review of your information and prove its accuracy, completeness & timeliness before adding it onto my profile. I have looked over some aspects about XXXX requirements in order to make sure there are no discrepancies when reviewing accounts such as these ; please provide me more details on what is relevant so we can ensure 100 % compliance across all areas! 
Bring to your attention Date Opened ( XXXX ) reporting XXXX I think this account is inaccurate because it doesn't follow the required standards. This debt was written off as profit/loss but I never received a XXXX form. I am also requesting this from.
Product: Mortgage

XXXX XXXX XXXX is our homeowners insurance company. Loancare is the company that is servicing our VA loan. Loancare, allegedly, paid our insurance company, by check, dated XX/XX/XXXX. The bill was due on XX/XX/XXXX. The Insurance company has not received the check as of XX/XX/XXXX. Our insurance is being cancelled due to the incompetence of Loancare.
Product: Debt collection

On XX/XX/XXXX, I checked my credit score and credit report and discovered that my credit score had dropped XXXX points due to a new collection account reported on my credit. I have no idea what the account is and was never contacted or provided any information regarding the alleged debt. I never received a debt validation notice or any other documentation of the debt. I was also never provided any information regarding who the original creditor was. 

According to my credit report, the creditor of this alleged debt is : Portfolio Recovery Associates XXXX XXXX  XXXX, XXXX XXXX XXXX, VA XXXX XXXX I have never received any communication or documentation from Portfolio Recovery Associates regarding details of the debt or my rights as a consumer to dispute the debt. The details provided on my credit report about the debt are insufficient as well. The only details provided on my report are : High Credit : {$460.00} Terms Frequency : Unknown Balance : {$460.00} Amount Past Due : $ XXXX Months Reviewed : 0 Owner : Individual Account Type : Other Term Duration : 0 Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Delinquency First Reported : XX/XX/XXXX Creditor Classification : Banking Loan Type : Debt Buyer Account Date of First Delinquency : XX/XX/XXXX Portfolio Recovery Associates has violated my consumer rights under FDCPA. This alleged debt/account should be immediately removed from my credit report.
Product: Checking or savings account

I was a victim of bank fraud back in early XXXX and I filed a claim and was ultimately denied my claim due to the bank fraud being done via a wire transfer.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with XXXX, XXXX and Experian, I immediately noticed unauthorized inquiries and credit accounts on my report. 
I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate request for an update to remove all unverified and unauthorized inquiries and accounts from my credit report and ensure that your systems maintain the correct information. 

Please see all included documentation that lists my current and updated address, that I have lived for the past 15 years. Please remove any other address your system may have found.

Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXX XXXX Acct # : XXXX - {$340.00} XXXX XXXX  Acct # : XXXX - {$300.00} XXXX XXXX XXXX  XXXX Acct # : XXXX XXXX {$330.00} XXXX XXXX XXXX Acct # : XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX Acct # : XXXX - {$300.00} XXXX XXXX XXXX XXXX Acct # : XXXX - {$340.00} XXXX XXXX Acct # : XXXX XXXX {$650.00} XXXX  Acct # : XXXX - {$1400.00} XXXX XXXX XXXX Acct # : XXXX - {$620.00} Unauthorized Credit Inquiries to be Removed IMMEDIATELY : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Unauthorized Addresses to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the inaccurate information has been removed, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX EMAIL : XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX "
Product: Checking or savings account

I have a business bank account with Chase Bank and they continually lock me out of my account " due to suspicious activity '' every time I try and wire refund payments to my clients internationally. They decline the transaction without asking me first if it is valid and then lock me out of my account. It takes me hours to reach anyone on the phone who can assist me. This is happening almost weekly and causing tremendous issues for my business. I need someone with authority at Chase Bank to assist me. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX
Product: Debt collection

I filed a complaint on here a few weeks ago XXXX XXXX XXXX XXXX and also had the CFPB send a copy to the original creditor JP MORGAN CHASE BANK. Ive gotten a response from chase stating they they are not the appropriate company to address this issue. In the letter frome XXXX XXXX XXXX XXXX which was attached states the Chase is there CLIENT. Also XXXX XXXX XXXX XXXX use lawsuit as a fear tatic and is perceived as a threat. In a response ARS STATES they have no control over the account which is funny why are you contacting me saying your is client chase and chase states its not there problem. Both XXXX XXXX XXXX XXXX and JP MORGAN CHASE BANK responses conflict with one another and is a direct violation of my rights using fear tactics and not one company addressed the situation. Lastly XXXX XXXX XXXX XXXX said for me to contact them to discuss more info but how if you dont own the debt as stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to open a Chase card with my email account on XX/XX/XXXX. XXXX XXXX says it came from Leet.cc, which is a gaming service that was breached in XX/XX/XXXX and my information comes up are a hard inquiry. I don't do any video gaming over the computer nor do I purchase games from this website. Who ever tried to get the card, did not. I had just noticed this at the bottom of my credit report today, XX/XX/XXXX. I am very upset this happened. I do not give out my email address except to certain stores and the doctors. I hope this gets removed from my report, because it is making it hard for my family to get a card, because it is there.