23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Chase bank in  XXXX , TX  XXXX  allowed a person who is not  me (   XXXX   XXXX   )  to open a business account using my social security number, but someone else 's name. This account was used for a business and has since been charged off since   XXXX  . I just recently became aware of this account, when I was denied a new checking account with Chase bank because my social appears under this business that has an overdue balance. I was told at the  Chase bra nch in  XXXX , Tx  XXXX , that they could not give me any information about this account because the client is still considered and active member with the bank. I do not even know the name o f the Business or how much the account charged off for. I filed a policy report with   XXXX  XXXX   XXXX , and filed a complaint with Chases fraud department. The deputy in charge of my case says there is not really anything he can do seeing as it has bee n seven years since t he account charged off, and the bank is demanding a court order to release any other information. This account does not show up under any of the  XXXX  major reporting  Bureaus, and I was told that is because it is a Business  Account. I have been told by the social security office that without proof that someone has used my social they can not do anything either.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Social Security Number : XXXX, Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, and a personal loan account opened at XXXX XXXX On XX/XX/XXXX under the account number XXXX, a wireless account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a utility account XXXX under the account XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I have used worldremit.com service before and the company sent me email offers for " refer a friend '', whereby both parties receive {$20.00} credit if at least {$100.00} is sent internationally. I have this email ad if needed. My brother was about to send someone via XXXX XXXX for {$50.00}. Because of this ad, I explained it to him and he decided to use worldremit ( with my enrollment code XXXX ) and send {$100.00} solely because of the advertisement promise. We were on a phone call as he proceeded to process this transfer. Upon his attempt to enter a " promotion code '' at the end of the payment, where it asks for a promotion code, he used the exact code provided to me, XXXX. The response was " not a valid code ''. Therefore I proceeded with a 3 way call to their published XXXX number XXXX XXXX XXXX. The recording was ... .IF you have a transaction code enter it. If not ... then go to the website and proceed with communication there. We had no transaction code. So I told my brother to go ahead and I would call immediately AFTER we had a transaction code. AFTER the transaction was placed, I obtained the transaction code from my brother. I immediately called worldremit to obtain the credit they had promised. All they would do is blame my brother and I for " not following correct procedures ''. We attempted all we could do - including calling them during the transaction. Their process does not allow any assistance in the transaction, yet they are unwilling to provide support, or to remedy the situation later. In retrospect, from a consumer point of view, this is a foreign company preying on US citizens, offering {$40.00} rebate ( between 2 parties XXXX on a {$100.00} transmission. Seems they intentionally have a marketing initiative, sending emails to prior customers, and not intending to pay what they promise. After more than 30 minutes down this rabbit hole of trying to make this transaction work, my brother sent the money - and I had SOME confidence I could later make it right. I think this is what worldremit intends and is the marketing strategy they think they can do here in the US to gain more business. I hope your department will stop their practices and make them more accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact mariner finance several times since XX/XX/2021 but have never revived call back or response back from after sending multiple letter. I attempted to contact XXXX & XXXX several times since XXXX via phone & via letter but no response as well. XXXX was not able to verify account and deleted charge off from my credit file. Since they deleted this account should b deleted from XXXX & XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by Equifax. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt. 

The debt is validated to ensure that the reported information is complete and accurate. 

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt. 

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.
Product: Credit card

My experience applying for a Chase Credit Card. I have excellent credit and was advised to apply for a Chase Credit Card by my bank 's branch manager. I was denied, not for a bad credit score or anything regarding my ability to pay but because I 'm very responsible with credit. I have XXXX credit lines. I feel this is a fraudulent penalization and false advertisement on the part of XXXX XXXX Chase. If I would have known of this rule of having too many opened accounts within a 24 month period I would have never applied and wasted a hard inquiry on this Credit Card Application.
Product: Debt collection

I have received many letters from the court and from a collection company that never did business and through this I have not been able to improve my credit score, Every payment I make is not reflected in my score and they do not give me the opportunity to apply for a loan to improve my economic situation
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I had a fraud on my credit card account back in XX/XX/XXXX. Called them to report. They closed the card but ended up waiving only part of the amount ( I think some of the fraudulent charge was still pending at the time ). So I ended up having literally {$5.00} on the account. I called again to notify that there is still fraud amount on the account. They have reopened investigation, allegedly. That was all happening in XXXX XXXX. I closed the account since because I don't want to deal with them anymore. In early XX/XX/XXXX I called to check on the status of the investigation. My call was transferred to debt collection. I was very surprised about that and clarified that the amount is fraudulent and I should not be on the debt collection list. They gave me the fraud department number and the extension of the agent on my case ( XXXX ). Over the last 3 weeks I have tried calling at least 10 times, left several voicemails. There has still been no response. Had I known, I would just paid that {$5.00}. But now it is too late ... My credit history is being impacted ( the score dropped by XXXX points already ) and fees are accumulating. I have spoken with the bank 's customer service but they had no option for me other than continuing to call the fraud department. I ran out of options.
Product: Credit reporting or other personal consumer reports

XXXX did a XXXX report update on my account as of XX/XX/XXXX and dropped my credit from a XXXX to a XXXX and stated the reason that had account balance on my account with balance that had already been paid of 10 days or more. 

I have a two credit cards by the same company in which they are reporting wrong balance on both cards. 

They are showing a XXXX XXXX account ending in XXXX with a balance of {$3.00}. And they account was paid in full as of XX/XX/XXXX They are showing a XXXX XXXX account ending in XXXX with a balance of {$36.00} and this account was paid off on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information listed below in subsection A ( 1-3 ) is inaccurate : Sub-section A. 1. ) ACCOUNT XXXX XXXX Opened XXXX {$770.00} 2. ) XXXX XXXX XXXX Opened XXXX {$790.00} 3. ) XXXX XXXX XXXX Last reported XX/XX/XXXX  {$2700.00} Open balance XXXX XXXX XXXX XXXX XXXX  Original creditor
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX, XXXX of XXXX I requested Experian to investigate and delete my XXXX XXXX accounts because the information that was furnished was incorrect. I provided paperwork from XXXX XXXX regarding account status effective XX/XX/XXXX. They failed to investigate and update the account to coincide with the letter. I then disputed the account due to late payments of being effected due to XXXX disaster. They refused to update. I then provided paperwork from XXXX XXXX stating that they couldn't comply with my correspondence because the accounts are not charged off. Experian ignored that paperwork and continues to furnish incorrect data
Product: Mortgage

Navy Federal Credit Union unilaterally imposed impound account for property taxes in violation of mortgage agreement. 
Tax analyst at NFCU told me that the issue was resolved in my favor. 

NFCU sent Notice of default, and reported to credit reporting agencies, dropping my credit score from XXXX to XXXX. 

Communicate with NFCU for 4 months has failed to find resolution. All principal and interest payments are current. 

I suspect this a fraudulent attempt by NFCU to escape this loan because it was originated at 2.3 % Request intervention asap by CFPB XXXX. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the disputes I submitted over 30 days ago regarding inaccurate information on my credit report. I sent detailed disputes to TransUnion, XXXX, and XXXX, listing the accounts in question and outlining the violations these inaccuracies represent under the Fair Credit Reporting Act ( FCRA ). 

Despite the 30-day response requirement stipulated by the FCRA, I have not received any acknowledgment or resolution from your agency. I am attaching copies of all the letters sent for your reference. 

I request an immediate investigation and resolution of these disputes, ensuring compliance with FCRA guidelines. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

ON XX/XX/2023, I CALLED XXXX CREDIT CARD XXXX IN HOPES OF GETTING ASSISTANCE WITH LOWERING MY MONTHLY PAYMENT. WHEN I CALLED, THEY INFORMED ME THAT THERE WAS NOTHING THAT THEY COULD DO TO ASSIST ME. IF I WANTED TO LOWER MY APR, I WOULD NEED TO DO DEBT CONSOLIDATION. THEY DID NOT HAVE A HARDSHIP PROGRAM. IF MY ACCOUNT WAS IN COLLECTION, THEY COULD ASSIST. I EXPLAINED TO THEM THAT DUE TO MY MOTHER BEING DIAGNOSED WITH XXXX, I HAD TO PAY HER BILLS. I HAVE BEEN PAYING MY BILL ON TIME, IF NOT EARLY, FOR YEARS. I WANT TO PROTECT MY CREDIT, AND I AM WILLING TO CONTINUE STILL TO PAY ; HOWEVER, I NEED ASSISTANCE. I WOULD HAVE THOUGHT THAT THEY WOULD HAVE ATTEMPTED TO ASSIST ME IN MY TIME OF NEED. XXXX ( ID # XXXX ), A SUPERVISOR WITH XXXX, INFORMED ME THAT THERE WAS ABSOLUTELY NOTHING THAT THEY COULD DO TO ASSIST ME.
Product: Debt collection

They are repeatedly calling my number. when called back it goes to an automated system.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Bankruptcy Reference XXXX XXXXXXXX Date XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$1800.00} XXXX XXXX Balance : {$25000.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS RECIEVING MAIL AND PHONE CALLS ABOUT DEBTS THAT I WAS UNAWARE OF SO I DID MY INVESTIGATION AND CHECK MY CREDIT REPORT AND NOTICE THERE WAS DEBT I KNEW NOTHING ABOUT SOMEONE HAD USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   /CBNA is s everely affecting my credit worthiness by having a inaccurate late payment on my credit report on  XXXX   2016 . I have contacted them severely time to only be treated rude and disrespectful. This is unfair to treat a consumer this way. My payment was submitted on time. However,  XXXX  process the payment late and inaccurately put it on my credit report.
Product: Debt collection

This account was created in XX/XX/year> online with XXXX  installment loan I did not start this account. This account was created during XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$600.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$400.00} from XX/XX/XXXX to XX/XX/XXXX XXXX in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account number : XXXX DEPTEDXXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account number : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with THE STARK COLLECTION AGENCY. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.