23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, we opened XXXX separate CD accounts with Chase Bank, at the branch located at XXXX XXXX XXXX XXXX, XXXX IL XXXX. We did this in person. 

The first account was a 5 month CD for {$250000.00} at 3.92 % interest ( APY 4.00 % ) The second account was a 14 month CD for {$120000.00} at 3.68 % interest ( APY 3.75 % ) When I inquired several months later about the interest for the CD 's I was told that the CD 's were closed the next business day, by CHASE. I inquired with XXXX XXXX, the relationship manager at Chase and said she would look into it. Upon getting back to me, she said that there was a glitch in Chase 's system that caused the newly opened CD 's to be closed the next business day. She confirmed that Chase was at fault and would work on a resolution. Since that time, and most recently, I visited XXXX XXXX personally and on XX/XX/XXXX, she said she would 'escalate ' it to her escalation team. I followed up with XXXX XXXX again on XX/XX/XXXX, and told her I had not heard from anyone and that I would be filing a complaint with the CFPB. Since then, I have received one call from the 'escalation ' team on XX/XX/XXXX, with a XXXX  XXXX of XXXX. When I called back, the same day the voicemail was sent to me, I left my information with them and have since not heard back anything. 

Chase owes us the full interest on the CD 's that were opened in good faith, and the subsequently closed by Chase, without any authorization or direction from us. 

The amount of interest that should have accrued on the accounts was {$9600.00}
Product: Checking or savings account

Someone with my SS # opened a checking and savings account with TD Bank. It is frozen but I'm concerned about other accounts. I also had a hard inquiry on my credit report that I didn't do. 

Also, they opened it in my maiden name of XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Today ( XX/XX/XXXX) we were scammed/frauded by someone acting as a landlord for a house to be rented. I sent him XXXX on Zelle and my father sent XXXX for the security deposit. We contacted XXXX/Zelle immediately after finding out about getting scammed. XXXX/Zelle said they can not do anything about it and to contact local authorities. They are not protecting their customers or least looking out for them in these situations.
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 Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

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

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

On XX/XX/24 I submitted a complaint to Equifax via CFPB and ADVISED them, not requested, that I do not give them permission to share specific information on my consumer report. Equifax responded XXXX by sending me a letter saying they could not identify me when I uploaded my ID and electric bill to the original complaint. Then their response on the CFPB portal was that information was VERIFIED by these alleged creditors and STILL requesting I send in identifying information, which I will not because I already have. At this point their response was over 30 days, additionally I want a complete description of their procedures to verify INCLUDING ANY AND ALL correspondence received from these creditors. Equifax is now being intentionally malicious and noncompliant with the FCRA by not honoring my DEMAND that they stop sharing certain information as is my right under 15 U.S.C 6802, this request was also sent to these alleged creditors. Equifax has ABSOLUTELY NO RIGHT to ignore my request to opt out and has violated me both under the FCRA and The Privacy Act. 

The Privacy Act sets forth rules and safeguards for the handling and disclosure of personal information by federal agencies, and the unauthorized collection and dissemination of inaccurate data may be considered a violation of privacy rights- I AM ASSERTING THAT EQUIFAX IS BLATANTLY NOW VIOLATING MY PRIVACY BY IGNORING MY DEMAND AND CONTINUING TO REPORT SUCH INFORMATION
Product: Credit card or prepaid card

On XX/XX/2021 I revived an email solicitation to apply for the Wyndham Rewards Earner card. The promotion stated that this was their " Best offer yet '' earn XXXX  points after spending {$1000.00} in the first 90 days then XXXX  after spending {$2000.00} in the first six month. I applied for the credit card under this promotion by clicking on the links in the email solicitation I received. 

On XX/XX/2021 I received any email stating " Congratulations! '' " Welcome to you new Wyndham Rewards Earner Card account '' I was approved for the new account. 

On XX/XX/2021 I received an email stating my card was active and ready to use. " Just a note to confirm we've activated your Wyndham Rewards Earner Card on XX/XX/2021 '' I have spent the required amounts to receive the bonus points promised but they were not showing up in my account, I have made over 20 calls to get this resolved no one has been able to get this fixed. At one point they asked me to fax them my documentation showing the promotion I applied for, I did so and still not response.
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts listed on this FTC report are all fraud accounts that was open without my knowledge as of to date XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion, Re : Letter to correct Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX ) XXXX You claim that I am 30 days late but you also reported the last payment date is XX/XX/XXXX. That is a whole another year. That is inaccurate I would like it to be updated to pays on time. 
XXXX ) XXXX the report states that I am 60 days behind and the last date reported was XX/XX/XXXX but that can not be accurate when your report also states that the last payment date is also XX/XX/XXXX. Please update to pays on time. 
XXXX ) XXXX report states that I am 60 days behind and the last day reported was XX/XX/XXXX but that is not accurate when your report also states that the last payment date is XX/XX/XXXX. Please update to pays on time. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and reported as pays on time on report. It is my understanding that you will recheck these items with the creditor who has posted them. Please correct any information that the credit can not verify as pays on time. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Sincerely yours, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter of acceptance and I have not received a response
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 XXXX and XXXX credit bureaus to validate this account ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : XXXX
Product: Debt collection

Collector sent me a notice that stated I owed XXXX for XXXX. 
I do not owe anything to XXXX and have not used XXXX for over 10 years. I 'm an accountant and I pay all my bills on time. I do NOT owe anything to XXXX. 

The company 's name is IC System phone XXXX Address : XXXX XXXX XXXX XXXX XXXX MN XXXX Also, this company called me first, and asked for my address. They did not disclose who they were and that they were trying to collect a debt. Also, I have been getting phone calls from all over the United States. They call and then hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has all 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following negative items on my credit report, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX The following personal information is incorrect : Account Number : XXXX XXXX XXXX- This is not my name. Please delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX - This address is not correct. Please delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX - This address is not correct. Please delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX ( XXXX XXXX ) - This is not my name. Please delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX- This is not my employer. Please delete it immediately from my report. 

As per the FCRA, it is the responsibility of the credit reporting agency to ensure the accuracy of information on my credit report. I have no record of the accounts listed above and believe that they do not belong to me. Therefore, I am requesting that you remove this inaccurate information from my credit report as soon as possible, in compliance with the FCRA. 

I also request that you provide me with a free copy of my credit report, as allowed by the FCRA, once the inaccurate information has been removed. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LoanCare is reporting negative information against a loan beyond seven years from the original delinquency date. 

- The original delinquency date for this loan is XX/XX/XXXX - The seven year date from the original delinquency for the very same loan is XX/XX/XXXX LoanCare began sub-servicing this same loan instrument in XX/XX/XXXX, and restarted the delinquency reporting clock at that time. I now appear to have a delinquency that started in XX/XX/XXXX, instead of the original date of delinquency which is XX/XX/XXXX. LoanCare has reset the clock on a debt that has already surpassed the 7 year mark. 

According to the Consumer Credit Protection Act, if a consumer has a late payment and never brings the account current, it will eventually be written off as a loss. The debt then could be sold or transferred to a collection agency. In this case, the entire account will be removed seven years from that original delinquency date. 

Request removal of this entire account from all three of my credit reports.
Product: Vehicle loan or lease

I have been paying too the principal on my loan a XXXX XXXX Account : XXXX too Ally and they will not apply my payments to the principal with repeated phone calls and this is the last comfermation number # XXXX the agent told me his name was 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, DEPTEDXXXX XXXX XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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, credit repair services, or other personal consumer reports

I applied for a checking/saving account with XXXX. I was denied due to information on Early Warning Services LLC. I have contacted them but have not received an update on my status or what information is being reported to them.
Product: Credit reporting or other personal consumer reports

It appears that my 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 & block any items which is found to be fraud due to XXXX XXXX The dispute items do not belong to me. Im attaching the required XXXX  Report for you and the bank 's records. Please block/remove these items. 

XXXX XXXX XXXX XXXX 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

With XXXX I have issued a letter of receipt for XXXX  acct # XXXX paid {$1400.00} regarding creditor XXXX showing I paid and showing that in the letter this was to be removed. It states in the letter it will be removed. I submitted more than 3 times in the month of XXXX and they have not removed it they just kept it on my report and did put paid less than the agreement. With National Credit Adjusters I paid {$350.00} acct # XXXX & XXXX, twice I have submitted my letter that states paid in full along with my bank statement showing the amount paid along with the confirmation number and the manger number, email address and they still close it the next day and updated it stating still owed i also included my bank statement showing paid. With XXXX. I provided them the login statement showing I paid the {$160.00} on XX/XX/XXXX and I provided my bank statement showing this amount was paid and they continue to close. I feel discriminated on by XXXX I provide the proof and they don't do any update at all and against the creditors who i paid my money on and they dont do the proper updating. This is unfair to obtain confirmation numbers and letters and XXXX ignores them and allow the creditors to lie. NCA  confirmation # XXXX & XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit card through the telephone. I own 2 homes. The Discover rep completed the application using the incorrect address. Security flagged account for address discrepancy ( that was good ) I called and was told the problem would be resolved and I would be receiving a new form to fill out to fix the discrepancy 2 or 3 weeks l received communication that the card was closed ( I never could activate it so I do not understand how it was closed if it wasn't activated ) they reported to credit agency. I do not think this should effect my credit. Discover did not address my complaint beyond " maybe someone will call, maybe not "
Product: Consumer Loan

On XXXX I was coerced into buying a used car from a used auto dealer by XXXX individuals, who then drove off with the car and that was the last I saw of them. They threatened to do bodily harm to my family if I did not go along with them. To prove they were serious, while I was buying the car they had friends of theirs, go to my parents house and steal my motorcycle, fortunately my parents were n't home. It is important to note that I am XXXX I and was completely off my medication and in a XXXX ; which means I was not in a XXXX. The monthly car and insurance payments came to {$910.00} per month, for 66 months. The loan was financed through the a finance company owned by the used car lot company after I was denied by XXXX other banks/finance companies. I had been unemployed for over 18 months and both my checking and savings accounts had negative balances. Also, my XXXX credit cards were all past due. I do not understand why their finance company agreed to take a chance on me. I never had the funds to make a single payment, I opened a police report for theft by conversion. I tried to file a claim with the insurance company arranged by the finance company but The insurance company denied it because the car was stolen before my insurance coverage became effective on XXXX, even though the car was sold though I made my XXXX ( and only ) premium payment on the XXXX The car was located XXXX but it will be turned over to the finance company as they tried to repossess it a couple of months ago by sending a wrecker but I did not have the car and gave the wrecker guy a copy of the police report. I tried to resolve this with the finance company to no avail. The whole situation is overwhelming and I feel as though I have been a victim several times over.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sold my previously unpaid account XX/XX/XXXX to accelerating asset management. They were then the servicer and should not have been reporting my account I was told today by the holder of the account. 
That is neither here nor there I suppose. I then as of XX/XX/XXXX had two accounts with the same information while the second one had more money added to then the original debt by {$300.00}. 
I paid with the agreement through my attorney to have both negative account information be removed through the original collector and the second holder. On XX/XX/XXXX, I paid an amount as agreed to delete the accounts from my report. 
However, XXXXXXXX XXXX to update my account to charge off unpaid as of the letter part of XX/XX/XXXX. This account must be corrected, and they should be held accountable. 
I have the statement where the account was paid off from XXXX XXXX XX/XX/XXXX. Therefore, only the Oliphant should be shown on the report. While it also is supposed to be removed completely. It does not take 30 days to submit information to the credit bureau. I paid for the removal of a debt that I could no longer be held liable for in a timely manner when I actually tracked down and paid a lawyer to get the creditors counselor to answer a response. 
XXXX is the only report showing XXXX XXXX. All three bureaus are showing Oliphant. It is being shown as a charge of/Other derog. I paid the account, and it is showing payment status as unpaid balance reported as a loss.

Every time I dispute it with the credit bureaus, they come back that it is correct, while I have the documentation to show I made all of the steps I needed to. I was gravely ill in XXXX but no one what help me then. 
Now I just want a clean bill of credit in order to move forward with my life now that I paid my debt as agreed.
Product: Debt collection

I have some collection accounts from 3rd party companies from accounts that either dont belong to me or just plain inaccurate or fraudulent. First, XXXX XXXX XXXX with a balance of {$640.00}, opened on XX/XX/XXXX. Next, debt collection company by the name of XXXX XXXX XXXX with a balance of {$1500.00}, opened on XX/XX/XXXX. Next, XXXX XXXX XXXX with a balance of {$1400.00} opened on XX/XX/XXXX. Then, XXXX XXXX XXXX with a balance of {$87.00} opened on XX/XX/XXXX, Finally, XXXX collection with a balance of {$58.00}
Product: Credit reporting or other personal consumer reports

I have continuously disputed the following accounts which occurred due to the XXXX XXXX XXXX. XXXXXXXX XXXX  ( not mine/identity theft ), ( XXXX XXXX ( not mine/identity theft ), XXXX XXXX  ( not mine/identity theft XXXX XXXX XXXX XXXX ( not mine/identity theft ), there are numerous inquiries which I disputed repeatedly and they remain on my credit file. I supplied the FTC Identity Theft Affidavit, Police Report and verified my identity multiple time over three years. XXXX still will not properly investigate the matter and remove the inaccurate negative accounts which occurred due to the XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

My attorney filed a XXXX  XXXX bankruptcy and experian and XXXX XXXX keeps allowing the same collections agency 's to keep reporting collections on my account even though there is an automatic stay. In addition they keep allowing companies to report incorrect balances and refuse to remove them off my account. For example it even shows on my report that I have an active XXXX  XXXX and they allowing the same collection companies to report debt that's included in my XXXX  XXXX and refuse to remove it and it's caused my score go down over XXXX Points