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

Multiple attempts have been made requesting removal of incorrect, unvalidated derogatory information from my credit report. Reporting company/collector unable to provide validation per FCRA specifications. The reporting company/collector must provide validation per FCRA specifications, or this item must be removed. Company/collector has also been verifiably contacted ( USPS # XXXX ) and still unable to provide FCRA validation. This account must be removed from my credit report. If it is not resolved via this complaint, I will immediately seek monetary relief to the fullest extend allowed per the courts via Legal Counsel. 

Account being reported : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am XXXX  and hold superior title and ownership over my name XXXX XXXX XXXX. I rebuke and reject XXXX promissory note and claim of ownership over my name XXXX XXXX XXXX. I command the Department of EducationXXXX XXXX XXXX account number XXXX to remove their debt immediately from my credit profile. I am XXXX  and the federal Fair Credit Reporting Act ( FCRA ) promotes the equity, whiteness, and fairness in order for the Department of EducationXXXX debt to be free from my credit profile. The attached documents is evidence I hold superior title and ownership over my name XXXX XXXX XXXX and that the Department XXXX XXXX has no standing at law against my superior title and ownership over my name XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a name change a decade ago, which I can provide documentation for - I have a court document. Before this time, I was able to take out student loans, and since then, I have been able to open a couple of chequing accounts.

However, one of the three credit unions believes that I don't exist, in that they will not provision a credit score to my financial institution during my current mortgage search process ( this being a first-time mortgage- if I could actually get one! ). None of them will verify my identity, so I can not receive my annual credit report.

So, I don't exist, and I can't take out a mortgage, or even get a credit card - and I work for a credit card company! Anything that shows up on my account for the past 10 years should be fraudulent, because I haven't even been able to use my credit for my own purposes. But I can't use my credit, and I can't even monitor my credit. 

Listen : I have the better part of a XXXX dollars in my XXXX, but I can't get a {$200.00} credit line on a credit card. 

Every couple of years, I try to resolve this, whether by contacting my financial institution for help or calling the credit agency 's call center directly. On my most recent attempt, in addition to things like phone calls, I was mailed an envelope with a security code. But because I lived in an area with significant flooding, the roads into my city were closed for several days around the time the code would have arrived. My code ended up arriving 14 days late- which is the duration of time the code would have been valid for. The same minute I retrieved it from my mail, I went to my desk to enter it, but it was too late.

I don't know what else to do. I just want two things that every citizen deserves. I want my credit report, because I want to manage any fraudulent activity on my account. And I want to have a credit score - any credit score will do.
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 U.S.C. 1681. 

Account 1- XXXX XXXX XXXX XXXX Collection. Due XXXX. XX/XX/year> Account 2- XXXX XXXX. Collection. Due XXXX. XX/XX/year> Account 3- XXXX XXXX Collection. Due XXXX. XX/XX/year> Account 4- XXXX. Collection. Due XXXX. XX/XX/year> Account 5- Ressurgent. Not aware of this one only shows up on one report. 

Account 6- XXXX XXXX XXXX Collection. Due XXXX. XX/XX/year> Account 7- XXXX XXXX XXXX XXXX. Collection. Due XXXX. XX/XX/year>. 

Account 8- XXXX XXXX. Collection. Due XXXX. XX/XX/year>. 

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.

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: Checking or savings account

Ive currently tried to pay rent and the bank bounced back my check. I currently have over XXXX in my bank account and they wont let me touch or pull it out. I need my money and its effecting a lot of things in my life. I need this resolved
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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Request for Account Information [ Account Number : XXXX ] Dear Sir/Madam, I hope this letter finds you well. I am writing regarding the above-referenced account. I am not disputing the information provided in my credit report but kindly request the following specific details for my records : Date of First Delinquency Date of Last Payment Date of First Charge-Off This information will help me better understand the account history. Please provide this information in writing to the address listed above. 

Thank you for your attention to this matter. Should you need any further details from me, feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Chase bank helped me open a claim for a wire transfer in the amount of {$200000.00} usd that was NOT authorized by me. I had purchased a new phone at the time of the incident and have reason to believe my information was compromised when switching my XXXX  account. The wire was sent to a similar routing number to that of a bank I used for my personal brokerage account- however the account number was not mine. I checked my account history with the brokerage firm and was never credited for the wire dated XX/XX/XXXX which further proved it was fraudulent. I contacted the bank directly and was advised to get a wire recall through Chase. I attempted to do so and it was denied as the bank had gone XXXXXXXX. I opened a fraud claim through Chase on XX/XX/XXXX. They asked me to fill out a fraud packet which I was assured would be overnighted. They also let me know that within ten days of filling out the fraud packet, I would receive a provisional credit if the claim was not denied. By Friday XX/XX/XXXX, I had not seen the packet. I called in and was asked if the claim was for $ XXXX I said no and gave them the claim number and amount. It took them more than XXXX minutes to find the correct claim and they let me know that they could not look up my claim using the claim number- only the account number. Once they found my claim, I was told that the packet should come within XXXX days. I called back Sunday XX/XX/XXXX to ask again where the packet was. Again, they suggested the claim was for {$9000.00} usd. Once they found my claim I was then told that it can take XXXX business days and they are unable to overnight the packet. I called Monday and was told by another rep that it can take XXXX days. I asked to speak to a supervisor regarding this and he was able to fax the packet to my local branch. I went in at about XXXX pm that same day and filled out the packet. The branch XXXX faxed it to corporate for me. I called XXXX days after filling out the packet and was told the claim was under review. I called again on XX/XX/XXXX after receiving a latter dated XX/XX/XXXX stating that the claim was denied because I had initiated the transfer. I asked them to check their notes- they had asked me if I made a {$180000.00} usd transfer on XXXX XXXX which I had. They had mistakenly marked the XX/XX/XXXX transfer for {$200000.00} as being initiated by me, instead of the {$180000.00}. I offered to provide them the emails between the brokerage account and I, as well as a signed Afidvit and proof from XXXX that my phone had been changed on the dates of the wire. They have been utterly unhelpful and have blatantly used negligence when checking my claim. They have no clear system for looking up claims, poor note taking, and did not even accept the evidence I offered. How can you deny a claim without even discussing with the customer? That money was to buy my home!
Product: Credit reporting or other personal consumer reports

Complaint Details : Account : XXXX XXXX : XXXX I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TRANSUNION. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 4. Truth in Lending Act ( TILA ) : I ass
ert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXXXXXX Balance : {$0.00} 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
Product: Credit card or prepaid card

XXXX refunds are never credited back to the account so the balance never changes that the benefits no one but XXXX and Chase Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

So I went on credit karma and got a alert saying a place ran my credit Im like what. So I looked it said XXXX XXXX XXXX XXXX and Ive never applied for anything like for anything before. I called XXXX XXXX they said they dont deal with that and told me to call credit people to get it off of there so I called they said I have to get a letter etc from the company and I was like okay so I went back called them and said same thing again so Im getting a complete run around Im XXXX like I dont need this stuff happening
Product: Debt collection

Midland funding has mixed my personal credit files with relatives including my name social security number and other information trying to collect a debt they purchased without my knowledge or authorization to purchase or sell my personal information and have it displayed on other credit reports. 
Midland funding was deleted permanently from XXXX, I need this account removed immediately. There are too many violations according to FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX MN XXXX ; XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX Balance Owed : {$1800.00} ; XXXX Balance Owed : {$900.00} ; XXXX XXXX BalanceOwed : {$980.00} ; XXXX XXXX Balance Owed : {$5600.00} ; XXXX Balance Owed : {$6700.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities, so it's very infuriating to be told those accounts have been verified. Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : XXXX. The date you contacted the creditor. 
XXXX. The contact information for the creditor. 
XXXX. The name of the person who verified the item to you. 
XXXX. The method of communication you used to verify this information.
Product: Credit card or prepaid card

MY NAME IS XXXX XXXX I LIVE AT XXXX XXXX XXXX XXXX XXXX ARIZONA XXXX. IM TRYING TO FIGURE OUT WHY THE PERSON I LIVE WITH IS COLLECTING MY BENEFITS, AND HOW LONG HAS THIS BEEN GOING ON? YOU SHOULDN'T NEED ANY PROOF THE CARDS ARE ADVERTISED ON YOUR WEBSITE.I WOULD APPRECIATE IF YOU FIX THIS SITUATION ASAP.
Product: Credit card or prepaid card

I have the XXXX Store Card since XX/XX/2015 ( approximately ). I have recently discovered that each month I have incurred a variable fee ( in relation to account balance ) from " XXXX XXXX XXXX. '' Evidently this is a service that can be added to the account so that in the event of job loss, or other significant financial event, the account will be protected from going into default. 

I did not request or authorize this service to be added to my account. 

I have reached out to this company at XXXX on numerous occasions. I have been told that I authorized this service when I opened my account. This is absolutely incorrect. I have asked repeatedly that the company provide documentation to substantiate this claim - they have not been willing or able to provide any proof.
Product: Vehicle loan or lease

I got approved for a loan with XXXX XXXX in XXXX. Then XXXX came and I was able to make a payment but not create an account. When I asked customer service they said it was a problem with my social but they would fix it. Same thing in XXXX. I cant save any payment info, and the entire process is a pain. They keep showing that I dont have a payment due, but when I log in to pay it it shows that I owe. 

I tried to set up autopay but they cant seem to create my account, even after receiving my social. 

I try not to lend myself to paranoid thinking, but something just doesnt add up. It seems almost intentional, theyre showing that I dont owe any payments, it seems like they want me to miss my payment. Why would a loan company want me to miss my.. Oh. 

So I go to XXXX to check the other reviews. Within the last 6 months multiple people are reporting similar issues- technical account issues leading to missed payments, late fees, and repossessions. 

Look. If these guys are setting people up to miss their payments just so they can charge a bunch of money, thats wrong. And hopefully illegal. 

Before paying my bill today I took screenshots of the misleading information. Its misleading at best, but if you ask me, its downright malicious and intentional. And frankly I think a class action lawsuit is in order. Every late fee charged returned. Or better yet, end the corrupt company and bless the people who had to endure their evil. 

Companies like this will lead to the collapse of our American financial systems unless someone comes to the aid of the American people.
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. 
XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 and 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, credit repair services, or other personal consumer reports

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


XXXX XXXX # XXXX - has violated my rights XXXX XXXX XXXX # XXXX  - has violated my rights

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 :
It also states a consumer reporting agency can not furnish a account without my written instructions

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish an
y 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: Mortgage

I used to pay {$2000.00} on a {$500.00} payment. They kept putting additional monies to a suspense account until I got the next bill. Then I had to call and complain. All extra overpayment should be applied to principle. Trying to pay off account Sent a check they would n't take it and it 's the same bank they deal with. So much more. Call for more information
Product: Credit reporting, credit repair services, or other personal consumer reports

FIRST AND FOREMOST CAPITAL ONE AUTO FINANCE RESPONDED TO MY INITIAL LETTER CERTIFIED XXXX MAIL ( TRACKING # : XXXX ) WITH A LENGTHY AGREEMENT ( PROOF OF UNAUTHORIZED USE ) AS IF THAT WAS SUFFICIENT EVIDENCE OF ANY ALLEGED DEBTS. BY FURNISHING THAT AGREEMENT, THAT CONSTITUTES ADMISSION TO MY ALLEGATIONS. CAPITAL ONE AUTO FINANCE IS GUILTY, LIABLE AND RESPONSIBLE FOR ALL DAMAGES ARISING FROM THERE DECEPTIVE, MANIPULATIVE, AND COERCIVE BEHAVIOR. CAPITAL ONE AUTO FINANCE DIRECTLY VIOLATED MY RIGHTS PURSUANT TO FEDERAL LAW. CAPITAL ONE AUTO FINANCES ALLEGED AGREEMENT DID NOT SET FORTH THE PERTINENT FACTS OF THE MATTER IN A CLEAR, CONSPICUOUS, OR REASONABLE MANNER ; NOR DID ANY OF ITS AGENTS. IT WAS IMPOSSIBLE FOR ME TO UNDERSTAND THE JARGON WITHOUT MY OWN LEGAL COUNSEL PRESENT. ANY ALLEGED AGREEMENT BETWEEN ME AND CAPITAL ONE AUTO FINANCE IS NULL/VOID! I NEVER RECEIVED ADEQUATE NOTICE PLUS CAPITAL ONE AUTO FINANCE KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602. WHICH IS ALSO AGGRAVATED IDENTITY THEFT. CAPITAL ONE AUTO FINANCE REPORTING FALSE ALLEGATIONS TO XXXX PARTIES ( CREDIT BUREAUS ) IS ALSO A VIOLATION OF MY FEDERAL RIGHTS. IVE BEEN DENIED EXTENSIONS OF MY OWN CREDIT IN EXCESS OF WELL OVER {$100000.00} ( XXXX XXXX XXXX DOLLARS ), AND EXPERIENCED UNNECESSARY PAIN AND HARDSHIPS AS A RESULT OF THERE INTENTIONAL NEGLIGENCE AND DEFAMATION OF MY CHARACTER.