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

Noticed that I received a hard inquiry on credit report today XX/XX/24 by capitol one bank. I have no authorizied any credit checks.i do not have any sort of credit card or account with capital one. I outreached to capital one at XXXX XXXX XXXX XXXX XXXX. Was informed there is a credit card account with my name however my social did not match. They would not disclose any further information to me. I outreached to transition who recommended I add fraud alert and contact you immediately to notify of the issue. Im not sure if this was an attempt at identity fraud.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX. 
Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

As of XX/XX/XXXX LVNV Funding LLC is sueing me for a credit that I do not owe. My credit has been compromised since XXXX and the debt of XXXX. XXXX and XXXX is not my debt. I have asked for wet signature to show where I promised to pay said debt. I have disputed numerous times with out any response only reset of the date so the debt can remain. I am unable to get proper housing or a vehicle because of this inaccuracy. This is not my debt and it should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian has liedd about my personel info as incorrect.my ss was posted on my cfpb report and was sent to experian.they are using these lie because i have issued numeerous cfpb complaints and they are trying to my hinder my legal rights to use the cfpb
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent in a dispute letter in XXXX, i havent been notified of the results via mail within 30days. Experian keeps giving me generic responses to my consumer rights. Ive stated the account and account numbers in dispute. They failed to accurately report information on my report.
Product: Checking or savings account

My bank Security Service Federal Credit Union refused to help me when my information was stolen and used on another phone through the mobile banking app that they provide so when I found out my mobile banking was compromised after having the account for only about a month went down there to speak with the people at the bank sat down with him and started to do the process of their investigation which they didn't do any investigation I had to provide everything to them and I proved that it wasn't me and yet they said my money was gone and that they wouldn't help me get it back even though it's FDIC insured, Ok so I originally started it with {$30000.00} and somebody hacked into the mobile banking app and use my information and withdrew and spent I guess made a new card or a second card with the same information but both online and card based payments as well as they were moving stuff from my savings account where it was to the checking so it could be spent without me knowing and that started on XXXX which was not long after I originally opened the accounts and I disputed and did the fraud department and everything and they said that they would be in contact with me and never heard anything for months going down there and everything trying to find out what was going on and I gave him the information that they requested I even was the one that had to go through all my statements and give them what I did do which wasn't much but they didn't do any work other than they drug it out and did nothing and refuse to you help me get my money back or at least some of it or something but no they said that it was my fault that the phone that had hacked on to my mobile banking and use my information did not have the same IMEI which is the identification for the type of phone it is it's the serial number did not match the phone that I have it was different yet they said it was me and it was my fault and yet I gave them proof that it was not me but continued all the way up until well into XXXX the date being XXXX, I had stopped using the account for spending because they refused to issue me a card but even money I took to them and put in the bank account was spent and I didn't even have a card or access to the mobile banking app of theirs because they refused to issue one and locked me out of the app even after the frad department closed those accounts and opened new ones to try to stop it and I can only deposit cash or withdrawal cash from inside the bank no other ways. I really need to have this fixed and get my money back because it is literally but me and a bind I'm a XXXX XXXX  do a XXXXXXXX XXXX XXXX and the money that was taken was well around {$18000.00} or more and that is caused me to lose a lot of things it made it difficult to be to try and care for my XXXX XXXX XXXX XXXX  you could reach back out to me and help me get this resolved and help me get my life straightened out due to this financial crisis it would be greatly appreciated thank you and have a blessed day.
Product: Payday loan, title loan, or personal loan

This company is XXXX people how need a little help. Ive had payday loans befor but this was ridiculous. The original loan was XXXX. I paid XXXX over XXXX  months and today I paid it off for XXXX. It went up!!! Not down. This company is taking advantage of people. No one can afford this! Why is this even allowed?
Product: Credit card

USAA appears to be in another world on this account. It charges a {$45.00} late fee, does not process payments, and has reported the account as delinquent XXXX times over the last XXXX  months. Out and out fraud
Product: Credit reporting or other personal consumer reports

Complaint Against Experian, XXXX, and XXXX for Non-Response to Dispute Letters and Violation of FCRA Dear Sir or Madam, I am writing to file a formal complaint against the XXXX major credit reporting agenciesExperian, XXXX, and TransUniondue to their failure to respond and delete the inaccurate collections accounts to multiple dispute letters I have sent and their ongoing non-compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. **Nature of the Complaint : ** - I have submitted XXXX separate dispute letters over the past year to each credit bureauExperian, XXXX XXXX and TransUnionregarding inaccuracies in my credit report, specifically related to multiple collection accounts that I believe have been wrongly reported. 
- The dates of these letters are as follows : - First letter : [ Date of first XXXX XXXX  ] - Second letter : [ Date of second XXXX ] - Third letter : [ Date of third XXXX ] - Despite my repeated attempts and providing necessary documentation, I have not received any substantive response from any of the bureaus. Nor have there been any corrections made to the inaccuracies reported on my credit file. 

2. **Legal Grounds : ** - According to Section 611 of the FCRA, these agencies are mandated to conduct a reasonable investigation of the items in dispute, typically within 30 days of receiving a dispute. Failure to do so is a direct violation of federal law.

- Additionally, under Section 623 of the FCRA, furnishers of information are required to provide accurate and complete information to credit reporting agencies.
Product: Checking or savings account

Chime Bank closed my account on XX/XX/2022. I called to ask why, and was told the system had closed the account, and they could not give me a reason. My Social Security direct deposit was due to hit my account today, and I was told the deposit would be returned in a few days. My landlord, car finance company, and other creditors are expecting payment, and as a result of this action by Chime, I am unable to pay them or give them a date when I will pay them. Also, I am unable to pay for repairs done on my car, which will be completed tomorrow. I was given no warning, nor explanation as to why the account was closed.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

wrote several dispute letters to the credit agencies, XXXX, Equifax, and XXXX to let them know by Law they do not have the right to show late payments on my credit report. By Law.. 15 U.S. Code 1681a - Definitions ; rules of construction. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.. Meaning they are showing transactions and experiences on my credit report which is a Exclusion by law.
Product: Credit card

I get solicited every year to open a co-branded card with Chase. I am an XXXX XXXX customer and business owner and either open a consumer or business card. Every time I open a new account, the card gets indiscriminately shut down with a short notice. The letter states previous deposit account closure but no reason given ( I never had any deposit accounts with Chase ). Chase is closing an account b/c they did not know why they closed an account last time or I opened one and they had a bad day and decided to shut it down. How embarrassing and humiliating. Right? When I pressed XXXX for more question they started bouncing me around as they were completely clueless to answer any questions and eventually pointing to the Executive Office. The returning theme : we don't see any unexpected activity on your account but closed your account b/c we can do whatever we want ( including discriminating against you ) Disclaimer : I was never late on payments and all payments were made in FULL. Moreover, I am a credit worthy individual and business owner with a credit score considered excellent by all 3 major credit bureaus. During the course of this inquiry I will demonstrate how JP Morgan/Chase engages in subtle lending discrimination and breaking federal and state banking laws every day. In theory, the company allegedly claims that all creditworthy customers have equal access to credit. In practice, they approve and shut down accounts for customers whom they think wont fit into their internal algorithm ( i.e. not paying interest on balances because the balance is paid in full and just reaping cash or other rewards ). According to a bank employee they review accounts and purge customers who are not profitable ( Not paying fees or interest charges and just reaping rewards ). This is DIFFERENT from customers who are churners, reap rewards and closing accounts. This would be a legitimate reason to close an account. My case is different and points to a serious, subtle lending discrimination at hand. In addition, the non-profitable customers SSN is flagged. As a result he or she is unable to open any deposit accounts in the future and new credit or deposit accounts will be shut down followed by a canned we are severing our relationship with you letter. Very interesting, right? According to Chases algorithm : Why should we keep this customer that we are not making money off of and just reaping rewards? When they faced with pressing questions ( from the Executive office ) they just send out a canned response which is a blatant LIE. 
My Attorney General and Congressman 's Office have been notified and started their initial investigation.

Honesty and a modicum of respect go a long way. Not, when it comes to the business practices of JP Morgan/Chase . I am hoping this and all subsequent complaints will be read by hundreds of thousands of potential customers and it should be cautionary tale before they think about starting a relationship with a corrupt company like Chase/JP Morgan .
Product: Credit card or prepaid card

I had issues with my Amazon credit card. because the sync bank lowered my credit limit in the account without any real reason and because of this the bank is harming my credit report and score. Representatives from the bank told me that they are basing this decision on my past credit records and repots from my other accounts. I have an excellent credit record with Amazon and I do not consider fair that the way the company repay me is by harming my credit report lowering my credit limit any time they wanted without a satisfactory reason
Product: Debt collection

I filed XXXX XXXX in 2018 and the mortgage was included. The credit bureau has not reported it but XXXX XXXX has it on my credit report as late payments.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My employer is : XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days. 

Thank you, XXXX XXXX
Product: Vehicle loan or lease

In 2011 my car was repossessed. I was making payments although not full amount, they offered me a grace period but still repossessed the vehicle before the grace period.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was brought to my attention in Fall of XXXX via official credit report through all XXXX bureaus that my information was mixed with someone else 's. This included inaccurate reporting of my SSN, previous names, and addresses. I was able to correct this information through dispute and verification processes with 2 of the 3 bureaus. 

Equifax has failed to correct this information, despite my first dispute being completed in XX/XX/XXXX. It is now XX/XX/XXXX and Equifax has stated they still have not received the verification of my information ( including a letter/dispute form, a copy of my ID, and a copy of my Social Security Card ). This is extremely concerning, as I have sent on three separate occasions, by mail, physical copies of my personal private information. I also faxed this information once in XXXX. The address I sent this information to was verified multiple times with the CRA, and yet they state they have not received any copies of these documents. I have also disputed this multiple times online through their disputing services on their website. Each time this has resulted in a notification that to change the information they need verified copies sent to them, which I had already done as explained above. 

This is a clear violation of FCRA and this is unacceptable and affecting my credit score and reporting.
Product: Checking or savings account

I have a checking account with CHIME with direct deposit. On XX/XX/XXXX my account was hacked and two unauthorized withdrawals were made. One for {$100.00} and one for {$590.00}.

I contacted CHIME via telephone and explained what had happened. They reimbursed the {$100.00}, but denied the {$590.00}. I couldn't understand why it was a split decision when it was the exact same type of situation, just a different amount. They were vague at best as to why. Wednesday XX/XX/26 I had a conference call with CHIME and my XXXX XXXX XXXX agent. We were on the phone for an hour with the same run around and passing off from this department to that department with the same result. No valid explanation and no resolution. My agent suggested that I contact your organization.
Product: Vehicle loan or lease

Date : XXXX XXXX 2023 Re : XXXX XXXX XXXX XXXX XXXX Re XXXX XXXX Complainant : XXXX XXXX XXXX 1 . Improper use of my ( Social Security XXXX XXXX ) 2. Pursuant to Fair Credit Reporting Act XXXXTitle 15 U.S.C. 1681 section 602 3. My privacy right 's is being violated. ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) 4. Title 15 U.S.C. 1681 Section 604 ( a ), Section 2 Written Instructions Rule Violated. I did Instruct Negative Items To Be Reported 5. Title 15 U.S.C. Section 1666 ( b ) Open End Credit Cards, may not be reported late.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : mountainamerica credit # XXXX A 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 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. 

beenmorethan XXXX suspectedfraudactivity/any amounts owed have beenpaid off XXXX XXXX  : XXXX  XXXX source of information from : macu
Product: Payday loan, title loan, or personal loan

Dear Sir/ Madam, In XXXX of XXXX, I obtained a small loan of {$3000.00} from Avant, www.avant.com, I applied for it online, Avant received their payments on timely manner until the loan was paid in full in XXXX XXXX as per the terms. 
Although, the loan was paid off, they kept my personal information exposed in their system, that included the name and address and phone number and my Social Security number & more, which suppose to have been deleted and the account should have been closed after the last payment. 
On XX/XX/2019, I received an email from Avant claiming that I was declined for a credit card that they supposedly have, I never applied for the alleged credit card, nor I had any knowledge that they even offer a credit card, beside the fact, I am not in need of their credit card. 
I attempted to call Avant and speak to the supervisor, I told her that I never applied for Avant credit card, and I asked her to show the information on the alleged application! she refused to give any information about the address on the application that supposedly was for the credit card, she refused to mention any information that did not match my information on the Fraudulent act. 
This alleged claim, caused a hard inquiry on my credit report which caused a big damage to my credit reports, and I do feel that my information was stolen & robbed internally at Avant 's corporation by one of their individuals. They sent me an email asking me to fill an identity theft report, I refused to do that, because the credit bureaus will keep that on my report for two years and freeze all my information. 
I sent Avant a letter by a certified mail, it's attached on this complaint advising Avant to delete my information immediately from their system and confirm it with a formal letter addressed to me. 
I also want to demand a letter from Avant to all the credit Bureaus to remove the hard inquiry that has been caused by their intention and negligence. 
Letters have been sent to the proper authorities and to my Attorney and to Illinois  State Attorney General. Avant is located - Avant XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Illinois XXXX I respectfully ask the CFPB to use it's legal inspection and investigation and force such fraudulent behaviors in such agencies to face the law and to stop them from robbing consumers information for their personal and fraudulent uses. Thank you