23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have been stolen from for XXXX years from bank of america HELP!!! XXXX XXXX, I 'm scared. Ca n't get any help. Have all documents. There fraud dept, is a separate mess. Please help. I am XXXX. On ssi.They have taken XXXX checks from XXXX XXXX to XXXX. And all savings..TheyThey even opened an online account in my name.I know who the players are..do not deal with personal bankers. Get out of bofa.Now.. I am XXXX. I had to learn the computer, enough to find things out.also, they stopped statements.
Product: Credit card or prepaid card

I applied for the U.S. Bank Cash + card in XXXX through online ( social media ) acquisition channel. There was a claim of 0 % APR intro promo for 15 billing cycles on purchases. I have double checked the disclosure before I applied, but when I received the card this promo was not reflected on my account. 
I have contacted U.S. Bank representatives multiple times, and they always promised that if I fax in the paperwork they would fix my APR on my account. But after I have faxed the disclosure and the advertisement I was presented through the acquisition channel ( once in XXXX, the second time in XXXX ), they still telling me that they need a proof of " targeted offer with my name, offer details '' before processing my request. I have told them that this is a public available offer, and since I was also targeted through XXXX ( social media ), hence I was not a targeted via direct mail, and I don't have the letter with name and promo information. The promo is still currently running with the exact terms. I appreciate your time helping me investigate into this situation, and I can fax in the promo detail I downloaded once I have a case number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm currently in a dispute with XXXX  and XXXX  for deleting my XXXX XXXX credit card accounts from my file without my permission, by starting internal disputes of their own with my creditor and then deleting the account without my knowledge. Then I certified mailed them letters last month stating that I did not give anyone permission to view my account on XX/XX/19 by XXXX  or XX/XX/19 from SYNCB/SAMS. About 2 weeks later I received a response from one of the bureaus saying that the inquiries will not be removed and to contact the creditor. I've certified mailed the two creditors informing them that these inquiries were not authorized, but the creditor has yet to remove them. These unauthorized inquiries are dragging down my credit score. I'm having enough problems trying to keep the credit bureaus from deleting positive accounts from my credit profile and beating down my score even more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get me credit reports from my annual credit. I was able to get XXXX but i was not able to get XXXX or Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I requested a copy of the credit report from XXXX. I received the copy, Report XXXX. XXXX. 

The credit report has the following HUGE error - The social security number is not mine. 
The following additional errors as also present - 1 ) One of the names is not mine. Most of the names are variations of my name, and are accurate. and 2 ) The name of my curent employer is missing, and one of the past employers is wrong. 

I attempted to reach Experian at the telephone number they provided and also to create a report on their website. I was unable to get connected. Made serveral attempts. The Experian telephone number hung up on me three times, and I never got to a real person. 

Out of fear that the incorrect SSN could be evidence of or lead to identify theft, I called CFPB to help get Experian 's attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/XXXX with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, a collection agency for XXXX XXXX is reporting a debt on my credit report for a credit card that I never used, applied for, nor have no knowledge of. Ive tried disputing it on my credit report but they report that the debt is accurate. I also tried calling the collection agency and they have basically told me to jump through hoops to get it removed. This is very stressful. I just want the debt removed. I dont have a credit card with their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file, of the account listed below. In the event that you are not able to provide me with Verifiable Proof, Then I am requesting that the following accounts be verified or removed immediately.

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified Account. 
XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian REFUSES TO PROVIDE PROOF THAT THIS BANKRUPTCY IS VALIDATED. 

EXPERIAN REFUSES TO PROVIDE THE VENDOR INFORMATION THAT IS REPORTING THIS BANKRUPTCY. 

EXPERIAN IS VIOLATING MY RIGHT TO PRIVACY. 

EXPERIAN DOES NOT HAVE MY WRITTEN PERMISSION TO REPORT ANYTHING ON MY CONSUMER REPORT ( PERMISSIBLE PURPOSE ) ( 15USC1681B )
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards, loans, and student loans from 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 DEPTEDXXXXBalance- XXXX DEPTEDXXXX-Balance XXXX XXXX XXXX XXXXXXXX {$10000.00} XXXX {$10000.00} I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

There are several inquiries on my Experian credit report. I have never authorized, Ive been trying to contact them, but theres no way to speak to anyone and theres no way to reach anyone either
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello to whom this may concern. I'm making this complaint on behalf of my self. I extended my credit to TD AUTO FINANCE which TD AUTO FINANCE stated that they're unable to provide me with an offer. I don't understand how I a consumer can be denied an extension of my own credit. I've contacted them about the matter where they ignored my request to resolve the matter. I think it its unlawful according to the Equal Credit Opportunity Act for a consumer to be denied because I exercised my rights with good faith in accordance with chapter 15 of the United States Code. I'm sure together we are able to resolve the matter within a reasonable amount of time with out causing further damages as there is civil and criminal liability for this behavoir. Please see attached documents that have been sent to TD AUTO FINANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had my credit scores up to XXXX and above as of XX/XX/XXXX and that score was consistent with my scores at XXXX. XX/XX/XXXX, my score went down by almost 200 with Equifax while my scores with XXXX still at XXXX. My credit profile if nothing else improved in XX/XX/XXXX and nothing derogatory happened. All this while Equifax continue to publish wrong opening dates of accounts in my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

To the CFO of this corporation : Violation of ( 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) ( 2 ) ) * ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Acting as a Financial Institution & Consumer Reporting Agency : EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXX, GA XXXX has NEVER received from the only " Authorized Representative '' or " XXXX XXXX '', ( The Natural Born " Of the female Mother 's Womb '' ) Male Offspring of The Family " XXXX '' : At XXXX XXXX XXXX, On XXXX XXXX XXXX in the State of California XXXX XXXX of XXXX, In the XXXX City of XXXX ) of the original creditor " Consumer '', ( with an unlimited open-ended line of credit ) with the established Social Insurance or Thrift Account or [ Social Security Trust SSN # ending in XXXX XXXX ) : " XXXX XXXX XXXX '' or " XXXX '' ) written authorization, instruction or consent to create such a " credit report ''. 

Further, " EQUIFAX INFORMATION SERVICES LLC '' or EQUIFAX is in direct violation of : ( 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ( 3 ) & ( 4 ) ) * ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers ; and ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

" Consumer Reporting Agencies '' have assumed a role as fiduciary or trustee ( with no disclosure ) over the " Consumer '' XXXX XXXX XXXX without the permission or consent of the only Authorized Representative. The " Consumer Reporting Agencies '' or in this case EQUIFAX has failed in their " grave '' responsibility to exercise fairness, impartiality, and a respect for the " Consumer '' XXXX right to privacy. 

Therefore, I " XXXX XXXX '' the living Man with a soul, of the Family XXXX XXXX and Board Member of " We The People '' of The United States Of America demand just exchange or justice as the only authorized representative of XXXX XXXX XXXX in this matter , which includes : All dates, amounts, and actions that were taken by Any " Financial Institution '' ( on or off ledger ) with respect to the Social Security Account or `` Trust '' Established for XXXX XXXX XXXX since it's inception XXXX 

Furthermore, I " XXXX XXXX '' of the Family XXXX am the beneficiary of the original " Letter of Credit '' or Living Birth Certificate for XXXX XXXX XXXX XXXX used as an instrument to create & establish the " Trust '' and permit your department to fully investigate all matters as they relate to failure to provide full disclosure, fraud, extortion, failure to perform fiduciary duty and all other protocols your agency deems necessary for investigation. 

Thank you for you attention in this matter, XXXX XXXX. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LExis nexis continues to violate my consumer rights. 

Violated 15 usc6802 they never gave me the ability to opt out of having non public personal information reported to third parties.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and dissatisfaction with the numerous unsuccessful attempts to correct a late open account associated with my profile. Despite my persistent efforts and multiple communications with your institution, the issue remains unresolved, causing significant inconvenience and concern. 

I have diligently followed the procedures outlined by your institution to rectify the late open account. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the issue persists. 

It is deeply concerning to see that despite my repeated attempts and persistence, the late open account continues to negatively impact my financial standing and reputation. This late open account not only affects my credit score but also raises questions about the accuracy and reliability of your institution 's records and processes. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of the late open account on my profile have left me feeling frustrated and disillusioned. 

As a customer, I have the right to expect accurate and up-to-date information on my account. The repeated failures to address this issue not only undermine my confidence in your institution 's ability to handle customer concerns but also reflect poorly on your commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that the late open account be promptly corrected and updated to accurately reflect the actual opening date. Additionally, I expect measures to be implemented to prevent any recurrence of such errors in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards correcting the late open account on my profile. 

Please consider this letter as a formal complaint regarding the handling of the late open account associated with my profile. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution and the accuracy of my account information. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4900.00}.
Product: Credit card

XXXX XXXX XXXX -I believe that the above debt collection company purchased my debt from a Capital One credit card - my issue with them is that they called a phone number that had no association to the account and that I had never listed on any documents affiliated to this account. The phone number belonged to my XXXX year old parents - how they found it? I have no idea. What are my rights? What are their rights? I do not want them to ever call my parents again, and I would like for them to stop calling me.
Product: Credit card

This XXXX XXXX  company apparently re runs your credit after giving a limit. XXXX forbid your score changes. They will change your limit an XXXX XXXX on utilization XXXX XXXX XXXX  your credit even more by changing your limit. I had 30 % usage on cards them changing the limit without informing to PRIOR TO RERUNNING my credit, and WITHOUT any warning which causes me to move to XXXX usage percentage. I WILL be contacting a lawyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX Customer Service XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> Subject : Immediate Cancellation of Order XXXX Dear Customer Service, I am writing to formally request the immediate cancellation of my order number XXXX. I placed this order on XX/XX/year>, and it was initially scheduled for delivery on the following XXXX. However, I rescheduled the delivery for XX/XX/year>. I have called your organization six times regarding this order : 1. To check on the order 2. To update my phone number and get a delivery time 3. To check on the delivery ( scheduled between XXXX XXXX  ) 4. To confirm the delivery ( I was told it would be within an hour ) 5. For an update at XXXX XXXX  when I was informed that my items were damaged and were not loaded onto the truck 6. To express my frustration Throughout this process, I have repeatedly spoken with a female operator at the number XXXX. On XX/XX/year>, I spoke with her XXXX times, and she continuously lied, claiming I had spoken to someone else. I sincerely hope that my phone calls were recorded and will be reviewed. I recorded the conversations myself, and the lies and deceit from Lowes employees are unfathomable. 
I demand the immediate cancellation of my order. I will not do business with your company again. My products were damaged, not loaded on the truck, and I gave up an entire day of operations for your delivery. My renters were inconvenienced, and your employees acted as if it was my fault and showed no care or consideration.
Product: Student loan

Requested a refund for payments made during forbearance period in order to prepare for the upcoming loan forgiveness program. I fully understand that they are probably inundated with requests but it's been very hard to plan with the very vague timeline that they provided ; I'm hoping that submitting a complaint will help to expedite the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove XXXXXXXX XXXX  account from my credit report for inaccuracy. The date last active shows XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on Equifax!
Product: Debt collection

Portfolio Recovery Associates , LLC is attempting to collect an alleged debt owed. I never extended my credit and entered into a credit transaction with them. There is no contract in existence baring a signature of me extending my credit to Portfolio Recovery Associates , LLC. They have falsely represented themselves and furnished deceptive forms to deceive and coerce me into paying an alleged debt owed. Portfolio Recovery Associates , LLC also has caused damage to my reputation and violated my right to extend credit by furnishing false and deceptive information on my consumer report
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : TARGET/TD Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor is reporting inaccurate and fraudulent information on my XXXX credit report. Account was closed on XX/XX/XXXX and listed as a charge-off. Creditor has been reporting before and after reported closure date of late payments. Creditor reporting to credit bureau Experian of satisfactory payment history on my behalf for months stating from XX/XX/XXXX through XX/XX/XXXX to which this information is inaccurate and fraudulent I have not made any monetary payments on this account since creditor has taken possession of the proposed vehicle of the loan I would like this information corrected and creditor remove this account from the Credit reporting bureau XXXX promptly.
Product: Credit reporting or other personal consumer reports

I did not authorize following inquiries showing on XXXX credit report : XXXX XXXX Arivo Accept 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
Product: Credit card or prepaid card

The company is XXXX XXXX, I've been trying to contact this company for more than a month because I can't use my credit card and there is credit available. The phone number listed on the back of my card never has a live person available no matter what day or time of the day it is and that is the only phone number available for this company.This company is very sketchy, it is prepaid because I gave the XXXX dollar to open this card about 3 years ago to help building credit and never a credit increase or nothing. Just interest charges for an account that I barely use because is only XXXX dollars. I just want my money back and this account closed.
Product: Money transfer, virtual currency, or money service

Cash App money transfer I made for {$300.00} on XX/XX/2022 @ XXXX EST was withdrawn from my bank account but the recipient never received it. Cash App refuses to refund the money. The receiver also contacted Cash App- they can not offer proof of completing the money transfer to the receiver ' s account name : XXXX XXXX
Product: Vehicle loan or lease

I have a XXXX  XXXX XXXX that I feel I have over paying for, I was told it was gon na help my credit but it's damaging my credit because of late payment fees. I was {$360.00} a month. So now I have to get caught up so I'm paying {$150.00} a week. But my Account balance first was XXXX XXXX XXXX & now my Remaining Balance is {$5100.00}.