23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number:XXXX  Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that Equifax block the information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at These fraudulent accounts consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. I also noticed these fraudulent auto loans and finances accounts from XXXX XXXX opened on XX/XX/XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX and XXXX XXXX opened on XX/XX/XXXX, XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries any reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/year> i sent a letter to the credit bureaus they stated that these accounts are verified but how can they verify an account if they never did a fair investigation according to the 15 USC 1681. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

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

According to : 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 According to : 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: Checking or savings account

My account was frozen by Associated bank because I was trying to send a payment on XX/XX/2023. I called their fraud department customer service on the same day to verify all the details. But that rep just closed my account without my consent after I VERIFIED everything with her.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of significant concern regarding my consumer credit report. It has come to my attention that my personal information was exposed in a recent national data breach. Upon reviewing my credit report, I discovered several accounts that I do not recognize or recall authorizing, I've attempted to solve this problem 3 times. Congress states that credit reporting agencies have a grave duty to report complete and accurate information in regard to consumer credit reports. To ensure the accuracy and legitimacy of the reported information, I have previously requested validation of the debts associated with these accounts from the credit reporting agencies ( CRAs ). However, to date, I have not received the required documentation or verification substantiating these accounts. Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], specifically : Section 609 ( Disclosure of Information to Consumers ) : I am entitled to all documentation related to the disputed accounts, including the original creditor 's name and verification details. Section 611 ( Procedure in Case of Disputed Accuracy ) : The CRAs are required to reinvestigate disputed information and remove or correct any unverifiable or inaccurate data within 30 days of my dispute. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692g ( b ) ], I have the right to request debt validation, including evidence that these debts are legitimate and that the reporting entities have the authority to collect or report them. The lack of sufficient validation violates this statute. As my information has been compromised, I have taken the following steps to protect my identity and resolve this matter : 1. Filed a complaint with the Federal Trade Commission ( FTC ), reference number XXXX. XXXX. Attached is a copy of the XXXX XXXX XXXX notification report for your review. 3. Submitted a certified debt validation request, including proof of delivery XXXX  # XXXX. I urge you to comply with your obligations under the FCRA and FDCPA by : Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the immediate investigation and removal of any unverifiable, inaccurate, or unauthorized information from my consumer credit file.
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. 
" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

3rd attempt to clear inaccurate information from Department if Education/ Navient on my credit profiles. I reached out in 2020 and spoke with several reps and supervisors to investigate. i was told that they default status would be dee moved along with all negative credit updates. This was due to Navient reversing back to an outdated email address after i updated correctly. No correspondences was received via that email. A letter is attached that was provided to me as a temporary promise to reversing this error. Please send this to Navient immediately for credit profile to be corrected.
Product: Checking or savings account

Dear CFPB, My wife and I received an email on XX/XX/2023 from Chase Bank with an offer to open a " First Banking Account '' for kids. It contained the following offer language : " Enjoy {$25.00} when you open a new Chase First Banking account by XX/XX/2023. Limited to XXXX Chase First Banking bonus offers every XXXX  months.

Chase First Banking is exclusively for parents/guardians who are existing Chase checking customers. It includes the following : XXXX XXXX XXXX   Monthly Service Fee Check-Mark Debit card in your child 's name Check-Mark Banking account owned and managed by you Check-Mark Designed with kids ages XXXX in mind and available for kids XXXX years old '' This email offer contained the following disclosure regarding the opening of accounts : " Bonus/Account Information : You can receive a total of XXXX  Chase First Checking opening related bonuses every XXXX  months from the last coupon enrollment date. To receive the bonus : Open a new Chase First Checking account, which is subject to approval. We'll deposit the bonus into your new Chase First Checking account within XXXX  days of account opening. Limit XXXX Chase First Checking related bonuses per customer. To receive this bonus, the account must not be closed or restricted at the time of payout. Bonus is considered interest and will be reported on IRS Form 1099-INT ( or Form 1042-S, if applicable ) '' We have been Chase customers for over XXXX  years, our children are XXXX and XXXX  year 's old and we opened these accounts on XX/XX/2023. This email offer/advertisement clearly states that we could open XXXX of these First Banking account for our XXXX children. I even went to the nearby Chase branch with my children to introduce them to the staff, who were very welcoming and our kids were excited to open these account with a {$25.00} bonus that was promised by the Chase branch employees who read over the offer email carefully. However, Chase Bank only deposited the {$25.00} bonus into one of our children 's account saying that the other child did not qualify. 

Once I spoke to the Chase branch employee that opened the account, he even disagreed with this apparent " Back Office '' decision and escalated our complaint to the Chase Branch Complaint Group. Today, XX/XX/2023, I heard back from the Chase Branch Complaint Group stating that their final decision is to not honor their advertisement and stated that only 1 child qualifies for this offer, which is totally contradictory to the written offer we received.

If the goal of Chase bank was to teach a XXXX XXXX XXXX XXXX  that a regulated U.S. bank is deceitful, dishonest and will break promises on a whim, despite what is clearly stated in a written offer, they have succeeded. I understand that it is only {$25.00}, but the memory of this broken promise despite everything we read and heard from the Chase branch employees will last a lifetime.

Please let me know if you have any questions. Thanks for hearing us out. 

Best regards, XXXX & XXXX
Product: Credit card or prepaid card

In XXXX of 2021, the consumer applied to creditor Citibank , N.A . ( through XXXX XXXX XXXX ) to obtain a line of credit/extension of credit. On XX/XX/2021, Citibank , N.A . denied the consumer 's application for credit extension. The consumer applied for credit with the creditor in an effort to afford service needed for a XXXX XXXX in which the consumer currently provides payment on a loan for.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a 1099-C Cancellation of Debt form for a charged-off account that appears on my credit report. Under IRS regulations ( 26 U.S. Code 6050P ), financial institutions are required to issue a 1099-C when a debt of {$600.00} or more has been canceled, discharged, or forgiven. According to IRS Publication 4681 and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c ), if a debt is no longer legally collectible and has been canceled by the creditor, I am entitled to receive proper documentation of this cancellation. Therefore, I request that Capital One provide me with a copy of the 1099-C form for my tax records. 
Please send the form to my mailing address or contact me if further information is required. I appreciate your prompt attention to this matter and look forward to your response.
Product: Debt collection

Investment retrievers at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, has been garnishing my paycheck without notifying me about the garnishment also reporting a collection in the amount of {$15000.00}. The collection has been reported as a past due balance & also has many inconsistencies between the bureaus. I do not know this company & I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the CFPB about Experian and the way they are reporting several accounts. XXXX XXXX opened XX/XX/2018 Account XXXX is not being reported properly but they verified the account instead of removing it. It has a status of Petition for Chapter XXXX Bankruptcy/Never late. There is no bankruptcy that was petition for Chapter XXXX and this status need to be removed and changed to Never late or removed for reporting incorrect information.
Product: Debt collection

Last week I was contacted by a debt collection agency by the name of  Halsted Financial Services, LLC  and told that they had a debt of {$150.00} that I owed   XXXX   XXXX   XXXX  . I asked for proof of the debt and they sent me an email that was their own statement. I have asked for proof that I owed   XXXX   XXXX   XXXX   anything and they told me that the email was all they had. I have been called upwards of  20  times in a day various number in an attempt to annoy me. I have asked them to send me proof and they still have not. Today I told them to stop calling me and hung up. The company called right back and said they would take other actions to get the debt. If   XXXX   XXXX   contacts me with proof of the debt then I will pay the debt.
Product: Credit card

I applied for an apartment and paid an application processing fee to the associated realtor company in the amount of {$20.00}. The company never processed my application and I filed a dispute against this charge accordingly. 

My dispute was considered resolved and the charge re-posted to my account because the realtor company sent misleading information to Bank of America. The phone number provided to me on your letter dated XX/XX/2023 informing me about this resolution has been unreachable for the past 2 weeks. The wait times are over 2 hours and contacting other customer service numbers results in transfers that again lead to over 2 hours of wait times when the phone automatically disconnects. 

I am attaching proof of the text conversations and emails that clearly show that my application was never processed. Please re-open my dispute with this new information and research accordingly to refund the {$20.00} to my account. 

Bank of America seems to be deliberately preventing me from submitting material information about this claim by providing me unreachable phone numbers. The information presented in this letter will lead to the claim resolving in my favor.
Product: Checking or savings account

Account was closed without any reason given. I have been a banking customer for many years and never improperly used my account for anything.
Product: Vehicle loan or lease

XX/XX/XXXX ally auto purchased a contract of the amount of {$16.00} at the interest rate of XXXX. XXXX XXXX did not disclose the correct buy rate which was offered. They changed around paperwork after. I agreed to buy XXXX XXXX XXXXXXXX at {$13000.00} Financed with ally auto. XXXX crammed products to have ally purchase XXXX  collected a cash value, in this transaction slammed rates and is in violation of USC code 1662 B. The finance manager failed to disclose attempts to force products in illegal activity. This contrat Interest with ALLY  should be nullified. This mistake is going to harm the original interest amount agreed upon by the dealer. This is my consumer report and I have to report inaccuracies in the balance from ally auto. 

XXXX XXXX added these charges to me {$3000.00} XXXX  XXXX key warranty XXXX XXXX XXXX XXXX. Ally Financial does not have the copy of lean, copy of registration, copy of title. When I called to confront I was ignored. It was not disclosed this amount to be financed as {$16000.00} at 21.49 XXXX 

Ally Finance does not know the terms of the contract. the correct balance should be XXXX after dealership theft.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023 XXXX charges were made to my Capitol One credit card, while I was at work. I received a text alert by Capitol One asking if I had made the charges and I sent a text response of no and then called Capitol One to report the fraudulent charges. The fist charge was {$870.00} at an online company XXXX XXXX XXXX XXXX  and the second charge was for {$180.00} at XXXX XXXX XXXX XXXX XXXX XXXX. The Representative for Capitol One reassured me and we canceled my credit card and I was issued a new credit card. I received an email also reassuring me and documenting the fraudulent report. The next day Monday XX/XX/2033, I called Capital One because both charges had posted and XX/XX/XXXX was a Sunday and I wanted to follow up. The Capitol One representative told me that credits were issued and that they would investigate the report. At no time did the representative inform me that the charges were considered legitimate. That same day of XX/XX/XXXX, my email inbox was flooded with around XXXX emails subscribing my email to numerous companies, a lot of them foreign and in languages that I could not read. This was clearly a hacking job, identity theft situation. At no time was I contacted by Capital One to inform me that they considered both charges legitimate. I found out that I was re-charged because I went online evening of XX/XX/2023 to pay my bill and discovered my balance was much higher than anticipated, I immediately called Capital One and was informed by XXXX representatives, XXXX a Supervisor, that because my email, home address and phone number associated with my account was used, tracking numbers were issued and packages have been delivered to my address, they considered the charges to be legitimate. I told the Representative that I called the day they were made XX/XX/2023 because my information was stolen and that I did not make those charges. The Representative essentially stated Capital One declared that I was lying, the Merchant held the power and that I had to now prove that the charges were false. At no time since XX/XX/XXXX was I told this. I never received any correspondence from either online Merchant ( XXXX or XXXX  ) regarding order numbers, records, shipping information, accounts or any other information because they are obviously fraudulent charges and accounts made. Neither company has a phone number or address associated with the information that I obtained through Capital One. Capital One told me to email the company. Had I been made aware I might have been ably to follow up with the company. I have filed an Identity Theft Report, a claim with the XXXX and now this claim to follow up. I dont understand why Capital One XXXX did not protect me from identity theft and these fraudulent charges the very day that they were made and discovered. This is a crime and I am a victim. I will also be filing a police report with my local branch.
Product: Student loan

I contacted FedLoan Servicing via their " Contact Us '' email on XXXX to inquire about the status of my income driven repayment request and informing them that I ca n't afford the standard repayment. I received an automated response acknowledging receipt of my request, but no answer. I also completed all of the income-driven repayment ( REPAYE ) info via studentloans.gov on XXXX and have yet to see my payment change. I contacted them again yesterday via email and received another canned response without having any of my questions/concerned addressed. I expect that any delinquency reporting will be cleared up with my credit bureaus and that someone will reply to me to update me on the status of this request. Please reply so I can resume repayment at an appropriate payment level. I have documentation of all of these requests.
Product: Debt collection

Called my cell phone asking for my husband. I told them I was his wife, the representative said she could speak to me about the matter. The representative asked me to verify my husbands date of birth, but when I told her she could give it to me and Id verify it, she said she wasnt able to do that and said she wasnt able to speak to me about the matter. My husband doesnt have anything in collections.
Product: Debt collection

I am writing to file a complaint against a debt collector who has violated my rights as a consumer. The debt collector in question, whose name is Convergent Outsourcing , Inc., had their license revoked in the state of Illinois, yet they continue to operate and attempt to collect debt. 
Despite, their revoked license, Convergent Outsourcing , Inc. has furnished inaccurate and misleading information on my credit report, which has caused me significant financial harm and damaged my credit score. 
Furthermore, Convergent Outsourcing, Inc.is in default with me, having failed to fulfill their obligations under our agreement. They have repeatedly harass me with constant phone calls and threatening letters, despite my attempts to resolve the situation. 
As a result of their illegal behavior, I am now suing Convergent Outsourcing , Inc . I believe that their actions are in clear violation of the Fair Debt Collection Practices Act on top of the Illinois laws the debt collector is violating without a proper license to do business in Illinois. I am seeking the assistance of the Consumer Financial Protection Bureau in resolving this matter. 
I am requesting that the Consumer Financial protection Bureau take immediate action against this debt collector, and ensure that they are held accountable for their illegal and harassing behavior. Thank you for your attention to this matter.
Product: Checking or savings account

On XX/XX/XXXX, my husband and I opened XXXX separate checking accounts on Truist 's website. My application # is XXXX, and my husband 's application # is XXXX. We didn't get approved immediately. The result we received were " Whoops. It's taking a bit longer than usual to get your account details ready. '' However, until now I didn't receive any email or mail regarding our checking account details. We only received XXXX emails ask us to make deposit into our accounts. But we are not able to do so because we do not know our checking account numbers. We are not able to create online banking either because we do not know any information of our accounts ( debit card number or account number ). We called customer service, spent XXXX hours on waiting and finally spoke with representative. They didn't know what's going on either. They asked us to go to a brach, but the nearest branch is XXXX hours of driving.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>