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

XXXX, TRANSUNION, & XXXX have been reporting inaccurate information on my credit reports. I am a victim of identity theft and my problem has not been resolved. I filed a Federal Trade Commission report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this account ( A ). It is not permitted to report this account as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists this issue as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX 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 " '' 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 "
Product: Prepaid card

Please see exact dates in the attached document. 

Late XX/XX/XXXX, we tried to transfer money out of our Direct Express account, but were denied multiple times, even though their website explicitly states that we are able to. They required verification documents consisting of a photocopy of my drivers license and my bank statement showing my account and routing numbers, which we also sent multiple times.

With no other options, we called DirectExpress multiple times, and they said the same thing, to keep sending in the verification documents. Finally, we asked them to close our account, in which they told us to contact the Social Security Administration. We contacted the SSA, but SSA told us only Direct Express has the authority to close our account and give us our money. We relayed this information to Direct Express, in which they told us to keep contacting the SSA.

Direct Express then sent us an email and letter claiming that if we do not respond to their communication in regards to this issue after XX/XX/XXXX, they will consider this matter solved. This is completely false ; we have responded to all their attempts at communication through text and email, but they were the ones who did not respond back to us. This is EXTREMELY shady. 

Please see attached document for exact dates and screenshots of our text and email conversations.
Product: Debt collection

I was contacted by First Point Collections on XX/XX/year> by phone, I didnt pickup but was left a voicemail stating to call them back, I unfortunately wasnt able to call them back till the Weds XX/XX/XXXX, I was told by a very rude representative that I had a debt and that I needed to pay this at a discounted price, if I didnt pay the settlement amount I would be taken to court and sued and I would have to deal with a judge then, she had all my information, social security number, an old address that was used for the loan, and something that didnt make sense, an expired drivers license number from a different state I had. I tried explaining to the representative that this was not me but she wasnt having it and just wanted me to pay the settlement, I tried asking her for more info about the debt but she refused to really give me any information expect to wait for the summons to appear in court and that I would have the information from that. Well I said fine and hung up, after that I did some research and realized that the payday loan cap in California was {$300.00} and in Michigan where my used drivers license number was used, the cap is {$600.00} there, and that was the loan amount the collections said I owed. Also they wanted a settlement offer of {$400.00} to considered the case settled, I managed to get the total debt amount which was {$920.00} but the original loan amount was {$600.00}. I tried calling a few days later to try and get more information about the debt but was told by the representative he wasnt going to help me or give me any information in helping me in getting my claim declaimed and identity theft, so I am now just filing this and I guess I will wait for the summons to appear in court.
Product: Checking or savings account

I ordered items from XXXX on XX/XX/year> never received one of the items I told chase bank who I was working for and banking with that I never received my items they issue we a credit after that the credit was reverse and my account was overdraft due to this and Chase refuse to fix the issue about my money being stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report a month and found some incorrect items. I contacted the credit bureaus via mail. According to the law they are suppose to reply within 30 days. I have not heard anything back from them. This incorrect reporting has harmed my financials, my ability to get credit, sba loan and even a new job.
Product: Checking or savings account

SoFi pushed a free junk stock on me in XXXX. I did not perform any transactions on the account accept being given a junk stock for checking them out. XX/XX/XXXX I receive an email that I will be charged {$25.00} for account inactivity. The original terms did not include this fee and I did not agree to updated terms. It took well over an hour in total to get to someone who agreed to liquidate the account, forfeit the free stock, and close the account. The attached chat screenshot is absolutely an unacceptable way to make people give up on closing their account instead of doing their jobs.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently disputed some inaccurate and incomplete items that has passed the statue of limitation for Mississippi ( 3 years ) or more than 7 years old on my credit report from Transunion, XXXX and XXXX for the following tradelines ; XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX never sent me disclosures per 15 USC 6802b XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - BOTH COLLECTIONS ARE ITEMS OF IDENTITY THEFT AND HAVE FILED A COMPLAINT WITH FTC ( IDENTITYTHEFT.GOV ) please delete all items from my credit report
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. 

Account name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number XXXX XXXX* Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX 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 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 am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit card

Contacted Citi Bank regarding a letter I received in the mail saying they needed to verify my account information for my newly opened credit card with them. Called number provided and went through automated system just fine verifying the correct account with my personal information and security questions. Once I was transferred to a customer service agent, she asked for my name and phone number. I told her why I was calling and then she asked if I have another phone number to provide so they can verify me. I said no, just the one I am using and is listed on my account. She stated they need a different number not listed on the account ( which makes zero sense ). She then said they could contact my work for them to verify me, I told her I do not feel comfortable with them contacting my employer as it's none of their business who I having banking services with. She then asked if I have credit cards somewhere else, I said yes. She asked for the full card numbers. I told her I will give her the credit card company name and last 4 digits, but that I do not feel comfortable giving her my credit card information for cards not associated with Citi. She then asked for my checking and savings account numbers, again I said no. I asked if she could verify me any other way? I already have the card and the only transaction initiate was a balance transfer nearly a month ago which still hasn't went through. She said she would send me a letter in the mail and that I'll be asked to provide a reference. I asked what kind of reference, she said anyone. So I need to just list a person I know and their phone number and you will call them to verify my identity, she said yes. I asked if I could cancel the balance transfer, she said not without verifying my identity. I told her I a more than happy to provide documentation such as social security card, driver 's license etc so they can verify me and she no, the only way now is with the letter and reference. I have never in my life heard of such insane " fraud protection '' procedures. What sense does it make for me to provide a phone number not associated with my account to be verified and shouldn't they have verified me before approving a credit card? In the meantime I have zero access for using the credit card or processing a balance transfer which was the sole purpose of me getting the card.
Product: Credit card or prepaid card

I am not sure if this is the correct area to report this, but I am an online retailer and had a customer dispute charges and their funds were returned by the service provider. I am the victim here, I do not know if the purchase was valid or not. On XX/XX/XXXX, a purchase was made for XXXX by faith XXXX aka XXXX XXXX, using the email address XXXX. Last 4 of the card XXXX. IP address XXXX ( from server at XXXX ), source : XXXX XXXX, sent to address : XXXX XXXX XXXX XXXX XXXX, XXXX  New York XXXX, user agent XXXX. Internal ID XXXX, order_id XXXX. The dispute was made XX/XX/2018. The issuing bank is HSBC BANK XXXX. fingerprint : XXXX with the card expireing on XX/XX/2018 XXXX. I dont know what to do.
Product: Credit card

I am XXXX years old ; I was XXXX at the time of my wife 's death on XXXX XXXX, 2014. I contacted Capital One to close my wife 's account. I was not a co-applicant, but an authorized user. I was advised that I could then have a credit card and my wife 's account would be cancelled due to her death. However, her account was not closed, but they replaced me with my wife as the primary card holder. Capital One is now holding me accountable for XXXX of debt that should have been cancelled upon my wife 's death. I live on a fixed income and can not not pay. As an authorize user, I used the account thinking I had a clean slate ; I have tried to rectify this for two years. I have struggled to pay them {$400.00} each month, while waiting for resolution, that never came. They are not able to produce the original application, which will revealed that I was never a joint applicant and did not apply for this card. Please provide any assistance that you can.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Dear Consumer Department : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX XXXX, New York XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 

My date of birth is Date of Birth : XX/XX/XXXX. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

Thank you, in advance, for honoring my requests. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit reportshowing these changes mailed to XXXX XXXX XXXX XXXX XXXX, New York XXXX. Thank you. 



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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY XXXX XXXX XXXXXX/XX/year> XXXX  XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Vehicle loan or lease

While in civil litigation with XXXX XXXX XXXX XXXX, officials made errors and disclosure in the account to XXXX XXXX XXXX XXXX employees, agents and another male that's not my husband or anything else without my explicit or implied consent. SETF issued a repossession in response and retaliation by and through XXXX XXXX XXXX XXXX officials and lawyers for me suing them in federal court and to further cause me damages since I moved away. The account was transferred to collections and I was never notified and the terms were changed. The account should not have been sent to collections because I made XXXX XXXX XXXX dollars payments in advance of pay off on or about XXXX or XX/XX/year>. It covered over two years in payments. SETF didn't negotiate and remind me of either option to resume payments or nothing. From a court filing on or about XXXX XXXX, XXXX XXXX XXXX XXXX along with SETF ordered a repossession and never notified me about any options. The rep said it was only 45 days late and they requested payoff and never extended that either pay the late payment {$300.00} plus charges..SETF deliberately ignored my rights in this financial loan and sought to sale my car and retrieve their money. Instead, SETF demanded a full payoff. They had this company steal my car and never noticed me at all. SETF failed to communicate when they were considering sending it to collections and when this occurred and this is against the contract. I spoke to XXXX today, she claims they don't communicate by email and that's not correct. I have email reminders from SETF. I believe that SETF discriminated and engaged in identity theft, discrimination by allowing someone else to view, make decisions and change my account. The representative today XXXX XXXX said it was more than XXXX XXXX days late. Clearly, a lie. She said that she don't know where my vehicle is at. This is fraud and illegal.