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

Someone tried to get a credit card using my information with XXXX XXXX XXXX  in South Dakota on XX/XX/2022. I only found out because of the membership I have with XXXX XXXX XXXX, sent me the attached report. 
I have all my credit " frozen '' with Transunion, XXXX, and XXXX however Transunion apparently " unfroze '' and did a " hard hit '' for this fraudulent card. 
I tried to work with the XXXX XXXX XXXX  who agreed it was fraud, but now I can not get anyone to send me anymore information to get the " hard hit '' off my Transunion report. My issue is Transunion, and the hard hit, as they hold me responsible for supplying information to delete the hard hit and XXXX XXXX XXXX  is done with it. I did call our local Police department here in XXXX Oregon and filed a police report ( which Transunion said they needed to clear this hard hit ) Transunion will not take the police report number which is XXXX. 
Also attached is the letter the bank XXXX XXXX XXXX  sent ( XX/XX/2022, and the follow up letter XX/XX/2022, to who they thought was the person requesting the card and the follow up letter even after I told them it was not myself but fraud. 
I appreciate any help getting this hard hit off my credit. I had nothing to do with it and am extremely disappointed in Transunion not helping as I am the one that has had fraudulent activity against my credit, and I can not seem to get the XXXX XXXX XXXX  to help now that their benefit is no longer in the mix. 
Any help is appreciated.
Product: Credit card or prepaid card

This company is currently showing 60 days late for the month of XX/XX/2019 as reported in 3 Credit Bureaus. I have read enough to understand my rights. The late history should not be showing late because I think I paid on time. The Bureaus are attempting to violate this clear understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Macy 's is reporting a debt on my credit file that I do not owe and it must be removed. I have been disputing this account with Macys and the bureaus but they continue to validate this account. I have told them multiple times that this account is past the statue of limitation in the state of Utah and no collection efforts can be made. However, they continue to affect my credit. Not only that, this account is over 7 years old and the date it charged off is past the credit reporting limit. You are in several violation under the FCRA. I ask that Macy 's removes this debt before I contact the Attorney general and my attorney regarding this debt.
Product: Credit card or prepaid card

Hello, On two occasions, JPMC chase bank sent me pre-approval offers for credit cards. I had a car loan with them, and they provided my credit score and credit information through the loan on their credit journey site. Chase denied my credit card application citing a XX/XX/XXXX rule that they do not advertise on the mailers they send or on their website. I had to find it on XXXX XXXX  after they used it against me to deny me credit and drop my credit score. I feel chase uses predatory lending tactics to entice customers to submit applications knowing they will later deny them. Chase bank could see that I did not qualify for theirXX/XX/XXXX rule but still sent two offers in subsequent months, making it appear that they had already vetted my report. I want them to remove the inquiry from XXXX and XXXX. The report they provide through their website is XXXX. 

XXXX XXXX
Product: Mortgage

the mortgage company has not been applying my payments to my mortgage and has not responded to me or my attorney for a year we have called e-mailed and sent letters as well as money no response and according to my bank the certified checks have been cashed but does not show the funds anywhere on my statements.the mortgage company took over XX/XX/2020 my second payment to them was XX/XX/2020 i made payment they did not show the payment in my statement and could not get a hold of them so my attorney told me to hold payments in escrow which i did after six months of reaching out to the lender to rectify this issue we were no where so the attorney drafted a letter and we specified the payments going to the lender we sent about XXXX dollars the cashed it and nothing reflecting on mortgage they have destroyed my credit which has affected my business and every other aspect of my life
Product: Credit reporting or other personal consumer reports

This XXXX  does not belong to XXXX  ; I have no connection with these XXXX. I urgently request its immediate removal from XXXX XXXX  report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove 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 information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5300.00}.
Product: Checking or savings account

I open up my account XX/XX/XXXX with {$100.00} deposit shortly after I connected my account to my job XXXX  XXXX  XXXX  where I get paid once a week XX/XX/XXXX of the positive XXXX XX/XX/XXXX at deposit of {$210.00} XXXX the XXXX a deposit of {$340.00} XXXX the XXXX deposit of {$370.00} XX/XX/XXXX at deposit of {$110.00} XX/XX/XXXX of the positive {$88.00} XX/XX/XXXX a deposit of {$320.00} XX/XX/XXXX I deposit out of XXXX XX/XX/XXXX I deposit XXXX XX/XX/XXXX or deposit of {$370.00} XX/XX/XXXX I deposit of {$330.00} XX/XX/XXXX and deposit of {$45.00} XX/XX/XXXX a deposit XXXX XX/XX/XXXX a deposit of XXXX {$64.00} XXXX XX/XX/XXXX a deposit of {$1200.00} XX/XX/XXXX and check deposit of {$400.00} that I got from my neighbor also another check deposit of {$350.00} that I also got from my neighbor XX/XX/XXXX a credit of {$190.00} was credited back to my account on XX/XX/XXXX a check return for {$350.00} was placed on my account XX/XX/XXXX I have a balance of {$550.00} in my account a hold was placed on my account for breach of contract they didn't explain to me what that really meant I was questioned about the XXXX deposit and the XXXX deposit I explained to the person that my neighbor bought lawn tools for me a lawn mower for {$400.00} and a blower for XXXX XXXX XXXX in my neighbor for XXXX  years his daughter is my ex-girlfriend he wrote the checks to me to put into my account when I explained to him about the XXXX bouncing he showed me that the check did not bounce and it was deducted from his account he also have written statement showing it XX/XX/XXXX I was mailed to check for {$83.00} from Sofi which left the balance of {$460.00} in my account is XX/XX/XXXX I still have a balance of XXXX and XXXX cents in my account that I still do not have access to because the freeze is still on your account for over 2 years with no explanation why my XXXX XXXX  XXXX will testify in my behalf I also had overdraft protection on my account to cover any mishaps such as this but they still was determined to close my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  XXXX  violated my 609 rights by reporting incorrect information to Transunion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit file for others to see. 

XXXX XXXX reported to Transunion that I applied for credit in which I never applied for.They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my credit report. This is a violation on my consumer protection rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ -XX/XX/XXXX these are the dates i have contacted and disputed with XXXX  about this public record. to verify this account they have not given me any information on verifying the account. They continue to send me my credit report stating they verified the account. and its correct.
Product: Debt collection

City of XXXX is saying I owe them {$220.00} for service that continued at a rental home after I submitted a termination of services and paid balance due. They do not have the right to collect these funds, as I performed my due diligence - they left the services on until XX/XX/2018 under their own mishandling. I moved out of this rental XX/XX/2018 - and furthermore was due a refund of my deposit of {$250.00} - which was never mailed to me - so now a collection agency Penn Credit owns this debt - I was able to get it removed from my XXXX report - but was denied on both my XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't owe anything to the following account : XXXX XXXX XXXX They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate these accounts thoroughly and make the necessary corrections or just remove the account automatically.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB finding against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially avaliable funds. I belive these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I hope you're well, but I need to express some frustration. I've been trying to get my credit report from EQUIFAX, but they keep saying no. This is the XXXX  time I've tried, and it's really not okay anymore. I've included extra documents to support my case, like copies of my ID.
Product: Credit card

I am writing to express my concern regarding the recent closure of my credit card accounts with Chase. I was surprised and disappointed to learn that these accounts were closed without any prior notice or a clear explanation for the decision. As a loyal customer of Chase for both my personal and business banking needs, I believe this action was taken without valid reason and without giving me the opportunity to address any potential issues. 

I have been banking with Chase for my business account for an extended period of time, and I currently maintain a balance of {$200000.00} in my business account. Given the significant relationship I have with your institution, I would have expected more transparency and communication regarding such an important matter as the closure of my credit card accounts. 

I kindly request that you reconsider this decision and reopen my credit card accounts. My business relies on reliable access to credit, and the sudden closure of these accounts has placed me in an inconvenient position. If there is any additional information or documentation required from my side to facilitate this process, I would be happy to provide it. 

If this matter is not resolved promptly and to my satisfaction, I will have no choice but to reconsider my business relationship with Chase and explore other banking options that can better support my needs. I trust that Chase values long-term customers like myself, and I hope we can resolve this issue in a timely and fair manner. 

Thank you for your attention to this matter. I look forward to your prompt response and hope to continue my banking relationship with Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax data breach that occurred in XXXX XXXX. My personal information was compromised. I verified this information through Equifax and was told that my personal information was involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i received an email from " Kikoff Company '' promising me that my Credit Score will increase Very fast if i agree to pay them {$8.00} per month. After my first payment my Credit Score was Decreased instead and without any other activity in my Credit Report. I emailed them immediately few times ( since they don't provide a phone number ), but i haven't received any response except their monthly emails about my due payments. After few months i checked my Credit Report and i found out that they reported me late payments to ( XXXX, XXXX, XXXX ), that i owe them {$1000.00} and my Credit Score kept Decreasing. I am sure that they Defraud many people besides me. " Kikoff Company '' proved to be a Fraudulent/Criminal Company .
Product: Mortgage

Flag star XXXX XXXX XXXX XXXX XXXX MI XXXX ph number -- XXXX XXXX XXXX XXXX this is regarding the forebearrance plan that i had with the bank, Since i started paying they dont end the forbearance plan still showing in my document as delinquet they dont let me resolve. I sent all the documents to their portal they keep saying they cant see the documents. we can see the portal from our end that all the documents are uploaded. i keep paying the monthly payment but they wont let me exit the forebearance unless i pay the whole amount i owe to them which is hard at this time. i requested them to put the money i owe to the back of my loan and i keep paying the amount the monthly payment but it doesnt happen.
Product: Mortgage

I have received over 30 calls in the last 20 days from Suntrust Mortgage to collect a debt on my mortgage account. It is documented on my cell phone. It is intentional harassment, which is part of Suntrust business practices.
Product: Debt collection

I don't recall having a contractual relationship with CAINE & WEINER COMPANY Account Number : XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Vehicle loan or lease

Pursuant to 15 U.S.C 6802 which stipulates non-public consumer information ( including financial information ) shall not be disseminated to non-financial institutions. In the process of missed payments before the XXXX XXXX XXXX vehicle was recovered, Capital One Auto shared non-public information with a XXXX XXXX who never directly contacted me, but instead made multiple trips to my immediate family 's residence in Florida ( XXXX XXXX XXXX ). This individual would trespass on the property, leaving a card on vehicles parked outside the garage dwelling with my information. When I was finally able to reach said individual directly, he communicated to me that he stated " I know exactly where you are and where the vehicle is located '' as this information was true and reflected on insurance & Georgia registration. I do not recall any attempts or communication from Capital One to suggest a lower payment as a possible solution. The vehicle was housed in the open near my apartment dwelling, with open access to the ground daily before XXXX. My personal information was further disseminated to the tow company involved in the vehicle recovery. The associated fees are exaggerated because of Capital One Auto 's decision to exercise less than favorable methods for vehicle recovery and are passed on unknowingly to consumers. 

I am entitled to accuracy in my consumer report under 15 U.S.C. 1681. Capital One Auto charged off the debt for {$3800.00}, which means they have written it off as a financial loss to the IRS and a 1099-C issued. In light of such findings, it should not remain on my consumer reports.

I do not wish to receive further communications from Capital One Auto regarding the XXXX XXXX XXXX. Under 15 U.S.C. 1692 c ( c ) the consumer report is a medium of communication - further supported by the landmark case XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ) which states that a consumer report is a medium of communication. 


The processes XXXX by Capital One in the act of vehicle recovery/repossession is a direct violation of consumer rights and threat to my personal & informational safety, particularly if personal information is not stored in locked files, with restricted access, & safely destroyed in accordance with state / federal retention policies. Capital One can not also guarantee the criminal background of contractor ( s ) or the employees of a privately held company. Such tactics constitute abusive acts or practices and XXXX, emotionally & XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these hard inquires on my credit report. I have submitted a claim of identity theft in regards to them and reached out to each company. 

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

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any account or inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file.

Please ensure that the following accounts and inquiries are blocked and deleted from my credit report : ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$480.00} XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$480.00} XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

1006.34 Notice for validation of debts Did not receive notices and do not know of these alleged debts ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication.

-- -- -- disputing the alleged debt -- ---
Product: Debt collection

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX   XXXX  breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I see that there are multiple accounts that I am not familiar with I have fully investigated my rights in this matter. Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I certified mailed letters to XXXX XXXX XXXX XXXX on XX/XX/2020, in regards to a closed account erroneous, incorrect and unfairly reporting on my credit reports. I asked that the company provide the following to prove the account belongs to me and should be reporting on my credit reports. XXXX XXXX XXXX XXXX failed to respond to me within the given 30 days stated in my letter. I haven't received a phone call, email, or letter in regards to my letter and I ask that the account be removed from my credit report due to failure to prove it belongs to me. Attached are the letters, certified receipt, and delivery receipt.
Product: Student loan

MY IDENTITY WAS STOLEN. AMERICAN EDUCATION SERVICES HAVE PUT INFORMATION ON MY CREDIT REPORT WHICH DOES NOT BELONG TO ME. 

I STRUGGLED TO PAY TUITION FOR MANY YEARS. I WROTE AN ESSAY DURING MY CLASSES AT XXXX XXXX AND THE SEMESTER PRIOR TO GRADUATING, THEY GAVE ME {$1400.00}. IF THERE WAS ANY MORE MONEY, I DO NOT KNOW WHO GOT IT. I DID NOT GET IT. 

I HAVE BEEN IN CHAPTER XXXX FOR 5 YEARS AND ANY BILLS THAT I HAD PAID TO CHAPTER XXXX. AFTER THAT ANY CHARGE OFF OR WRITE OFFS HAVE BEEN RESOLVED DURING THAT PERIOD. 

I DO NOT BELIEVE THAT THIS DEBT BELONG TO ME. SOMEONE HAVE BEEN USING MY ID AND MY SOCIAL SECURITY NUMBER WITHOUT MY KNOWLEDGE. 

I HAVE REPORTED THIS MATTER TO THE XXXX XXXX POLICE DEPARTMENT REPORT # XXXX
Product: Debt collection

Approximately one month ago I called Portfolio recovery in an attempt to see what debt they are attempting to collect on. I asked for a purchase agreement and amount owed. I let them know that I was unaware of this debt. I received no information regarding this debt from them.