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

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXXXXXX Balance {$6300.00} XXXX XXXXXXXX Balance {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Prepaid card

My gift card of {$1000.00} is not working at all. I have called the number on the back of the card as well as visited the online portal and confirmed my card was both active and had a full balance of {$1000.00}. The website claims the card can be used anywhere that accepts Amex but unfortunately myself and many other people have not been able to use it. After doing some research on the web, I came across several threads with hundreds of people experiencing the same issue. It seems as though submitting this claim is the only way to actually touch any of the funds on the gift cards. Additionally, the discourse regarding this issue dates back to over a year ago. You would think by now they would have fixed this issue. I find this highly unethical and am disappointed in a company as large as Amex for having such poor customer service and procedures.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX 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 or other personal consumer reports

My persons name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX I am XXXX percent XXXX XXXX I do not recognize any other information or names. I am very simple man. I am a law abiding man. 
I can state a lot of mumbo jumbo but the facts are simple. 
UCC 1-308 HJR 192 15 usc 1681 15 usc 1692 -1691 15 usc 1679 12 usc 5301 Emergency bank act 1933 The bad credit industry is very profitable.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB case XXXX did not process for XXXX and Experian could you please forward the case to them it did not show a case number for these to on the dispute, page timed out over and over
Product: Credit card or prepaid card

Wells fargo bank and XXXX have both cut my credit limit even though I have been with them for years. This adversely affects my credit score. I have not been more then 30 days late on either account. They have used that has a reason as well as not using card enough. This has just happened within the last month. XXXX is a business account
Product: Money transfer, virtual currency, or money service

Im a victim of rental scam and I lost {$1000.00} this happened in XX/XX/ I called my online bank and let them know they made a dispute said it would take about 45 days and like 2 or 3 days they denied my dispute did not get my money back at all
Product: Credit reporting or other personal consumer reports

Please have the company XXXX XXXX XXXX XXXX XXXX send me a signed copy of any contract I have entered into with them. If they can not provide a signed contract that I have entered into with them, then they are acting fraudulently in attempting to collect any debt from me. Furthermore, their fraudulent activity should not be reflected on my consumer report. Their collection attempt is fraudulent in that : 1 ) I have no contract with them.

2 ) They have no proof of my handwritten signature on a contract with them.

3 ) They are acting as a collection agent and there is no debt because I am the original creditor. 

XXXX XXXX XXXX XXXX XXXX need to immediately prove how any supposed account I had/ have with them was 'verified ' within 10 business days of this report or I will seek damages for fraudulent activity, character defamation and misrepresentation.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE Account XXXX 15usc 6801 Protection of Non- Public Information CAPITAL ONE has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent.

15usc 6802 Obligation with respect to disclose personal Information. There are XXXX disclosure forms that I have not received. 
1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15usc 6802 Disclosure of Institution Practice Policy CAPITAL ONE did not clearly and conspicuously provide the disclosure forms.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX There's information on my Consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified Transaction to be reported on my Consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX You're required to do what I'm asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Until this day, over 60 days later, I have not received a response yet. I feel like Im being ignored and taken advantage of regarding my disputes. In Section 611 ( a ) of the FCRA, it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress cause to me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account 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 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 crime which antedates the report by more than seven years.

15 U.S.C 1681-2 ( 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 card or prepaid card

On XX/XX/XXXX I received multiple email messages from American Express, thanking me for applying for a new credit card. I am not and have never been an American Express customer. I also received XXXX identity protection alerts that American Express had run credit checks against multiple credit reporting agencies. 

I also received emails, that the new card was being configured as a payment method on XXXX and XXXX. And I received email from XXXX XXXX  that a digital wallet was being setup for me with this new AMEX card as well. 

My first thought was that someone had applied for an American Express credit card in my name and might be used on all these web sites. 

I called XXXX XXXX  and the XXXX XXXX XXXX XXXX customer lines and started incident reports with both organizations. 

By late afternoon XX/XX/XXXX, I had reviewed payment methods at XXXX and XXXX- no new payment method had been configured. So now my theory was that this was an extremely aggressive AMEX card promotion - so I called American Express ( by the customer number on their website ) and complained about this account - the representatives at AMEX did find that a credit card account had initiated and they promised that the new account would be closed. 

I have continued to receive email about my new AMEX card - and XX/XX/XXXX I received a new AMEX card in the mail. I called AMEX and using their automated customer phone system cancelled the card and account. 

I continue to receive email from AMEX about my new account. Today 's XX/XX/XXXX email asked that I review my first month statement. I can not review the statement because I have never setup a user/password with AMEX. I have received every type of email, promotion, etc from AMEX except the communication that I would like to see- acknowledgement that my account is closed. 

As a result of the many credit checks being run against my credit information, I have frozen my credit information with all the credit rating organizations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several letters were sent out to Eperian credit reporting agency. The first letter was dated on XX/XX/2020 to remove the wrong information on my credit report and nothing was done at this time.
Product: Credit reporting or other personal consumer reports

I have inquiries on both my XXXX and Transunion credit report that I did not authorize my report to be reviewed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX.
Product: Debt collection

I recently pulled my credit report and found several accounts that I did not recognize.
Product: Debt collection

The membership to this fitness center " XXXX XXXX '' was paid in full. I never had a monthly fee. I was added to my daughters account which she canceled through mail as requested by the gym. The gym then switched ownership and I am now receiving a notice for something that was canceled.
Product: Debt collection

XX/XX/XXXX This is a complaint against TRANS UNIONXXXX . My problem started when I purchased a house located at XXXX  XXXX XXXX, XXXX, CA XXXX. I never lived at this address, as soon as I bought it I put it up for rent starting in XX/XX/XXXX. I don't know at what point someone used my name to open accounts at different banking entities, they also opened accounts with XXXX XXXX without my consent. I contacted XXXX XXXX XXXX about this loan fraudulently and repeatedly called the XXXX XXXX fraud department/ but they did not give me any information about the account. They say they do not have any information because the account was closed and they gave me the phone number for the XXXX XXXX collections department. When I called that number I asked them if they had any type of document signed by me XXXX XXXX that confirmed my identity or if they could verify any information about my ID that I might have on my profile. I also asked what the name and address was on the ID. where the card was used or if they could confirm which bank the loan money was transferred to and the name of the bank account. They were unable to provide me with the information I requested and would not help me confirm the identity of the account user.

I WOULD LIKE THIS TO BE INVESTIGATED IMMEDIATELY. THE INACCURACIES ARE VERY HARMFUL TO MY CREDIT SCORE. *AMERICAN EXPRESS IS LISTED WITH OVER 90 DAYS OF LATE PAYMENTS. And they update late payments every month, knowing that these accounts are fraudulent. They have no documents to show that I applied for the loan from AMERICA EXPRESS in the amount of XXXX and XXXX other banks pursuant to the FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VIE SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I CAN FOLLOW UP.

PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR FURTHER INVESTIGATION.

I request that you remove these fraudulently opened accounts from XXXX, TransUnion, and XXXX. I am attaching a copy of the police report for identity theft. I am attaching my XXXX electric bill and my XXXX to date lease which confirms my address at the time of the incident and I still live at the same address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collections department sends monthly unpaid reports to XXXX, Trans Union and XXXX. I can't pay for something I never bought. I never signed anything. It's a fraudulent account, I tried to file complaints with XXXX trans union XXXX XXXX They always reject my complaint these three corporations do a very bad job they don't verify the documentation with the banking entities they only transfer what the banks said if bank x says the customer didn't pay 5 years ago they don't verify they only publish it in your credit report that hurts the user terribly. I am asking for help. Please this has to stop. My credit is ruined by criminals using my identity. I have never applied for a loan or a credit card.
Product: Debt collection

I paid my full rental and satified all requirements, after two year claim, we did not have not sufficient notification and I need to pay penality, when only in my contract said i need give them 1 month notice, my contact was finished, and i call them and i said I do not want to renew my contract, but i let them know when pass key, by XXXX XXXX XXXX  we go to office we said we leave tommarow, and ask use to send email, we did and pay all due and leave. After that we recive letter not sufficient notification and i need penality, in my contract no definition for insufficient notification and no specified penality definition. How after two years relize they can charge me for not sufficient notification to leave. Pleaer help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters to XXXX, XXXX, and TransUnion on XX/XX/2023, XX/XX/2023, and XX/XX/2023, requesting an investigation into the negative items on my credit report. To date, they have not provided any evidence to support these negative items, nor have they removed the items. 

Per the FCRA, the negative items on my credit report must be validated by original signed documents or removed if these accounts can not be validated ( by providing documentation ) within 30 days. In the past, the CFPB have closed this request because you said it has been answered in the past. I disagree with that reasoning and it is my right to request a re-investigation. 

I am requesting one final time, these accounts be deleted or I will have to see legal action due to violation of the FCRA. The accounts are included in the attached letters that were sent on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I have inquires on my credit report XXXX XXXX XXXX  on XXXX XXXX that I'm not aware of.Also I some more inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I'm disputing this account. My name is also missed spelled. Also i have never lived at the address that they have on file XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I ordered an outdoor fire pit from XXXX online, shortly after ordering it I attempted to cancel the order, it had not yet shipped. In the online chat we tried to cancel, but was told it couldn't be cancelled and to return it to the store, I reiterated I ordered it to be shipped because on the heavy bulky nature and it wasn't an option to bring it to the store, I was then told the driver could return it. When the XXXX driver arrived I went out to the street to inform him the order was being refused, he said " thanks for letting me know before I took it off the truck '' I walked back to my house and a few minutes later the truck left.When my statement came, I paid it but when the next statement didnt show a credit I disputed the charge. I explained all of this in full and was denied. In the documentation they provided I saw that the driver signed for the item and subsequently re-opened the dispute pointing this out and that I never took possession of the item and I shouldnt be responsible for an item I never received or took delivery of. They offered no proof that I did. After reopening I was once again denied. I have been charged {$200.00} for something I never received.
Product: Mortgage

ShellPoint Mortgage was our original lender. We took out an original HELOC and were approved for around XXXX, which we drew upon. They then sold our loan to another lender ( XXXX XXXX XXXX ), but are still servicing the loan. They have sent us a fraudulent form that wasn't signed by us but shows copies of our signatures approving the sale of the loan in the amount of XXXX, which is the new balance they have assigned to us. We did not approve this or sign this. We also did not receive the additional XXXX they tacked onto our loan. We have tried to rectify this with the, but I am unsure what to do at this point. Please help me with this issue. The attached XXXX document shows our signatures, but we did NOT sign that. Thanks! XXXX XXXX
Product: Checking or savings account

I the consumer and Merchant OWNER of XXXX XXXX received a payment in the amount of XXXX for services from another company using Chases Quick Accept platform. The funds and payment were removed from my clients account and accepted by chase and their fees ( CHASE ) were removed. And my payment was slated and confirmed to me would be deposited into my account between XXXX XXXX, same day ; as stated and affixed on app and across webpages. Between XXXX and XXXX pm I received no communication from CHASE or their merchant services, about anything in relation to my account or said XXXX At XXXX, i received a vague email from CHASE INTEGRATED PAYMENTS, stating my funds, minus, their fees, was cancelled for erroneous date of XX/XX/year>, instead of the correct and promised date of XX/XX/year> between XXXX. Cancelled for reasons not aligning with circumstances or procedures. The invoice used for XXXX XXXX  was generated by and information used by Chase and the business documents provided by I, in bank to a human banker. So any resulting error, would originate from CHASE.. Not my Client, nor I. Further when pressed about this infringement and fraudulent holding of my funds, I was prompted for more verification ; including but not limited to, disclosure between my customer and I in relation to a service and transaction being made between us ; in order to get access to my money. Money they already had access to and took their fees from. This has seriously broken my trust with this company who I just recently established both a business and personal relationship and accounts with. Based on this I strongly feel that my individual and business rights have been violated and I would like this to amicably resolved ASAP : as this is seriously impacting my business life as well as personal.
Product: Debt collection

Tried to contact attorney on file, I even thought at XXXX point that maybe my sister opened this account illegally on me and I offered to pay however they never returned my correspondence. I just keep getting pre recorded messages that I need to contact them about an urgent legal matter with no option to push to speak to someone. Then I got notice to go to small claims court from another company but with the same credit card but it was the week after the holidays so I was n't able to make it to let the judge know this was n't mine so a judgment was made. Now I am being told I must pay over {$900.00} plus daily interest and appear in court next month or face a warrant. On the court documents there is no account info, no identification information other than a name and address and when I apply for credit I always use my middle initial unless it 's a store card because you are there and they use your photo identification for that.