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

I have sent several letters to not only the credit reporting agencies as well as companies directly to advise them that several accounts on my credit report that were a result of identity theft. I have sent police reports as well as the FTC fraud affidavit and they continue to not only report these items, but they have recently charged-off causing even greater harm to my credit score and any lending opportunities in the future.
Product: Credit card

On XX/XX/year>. I made a purchase on this card in the amount of {$270.00} and expected it to be paid as I had set up autopay when I opened the card. I found out more than two months later due to their poor communications that this card hadn't been paid and racked up a whooping {$86.00} in interest and late fees. I don't know if it was malicious or not, but the autopay was reset. This has ruined by credit by them maliciously reporting this as late.
Product: Checking or savings account

I requested at the local Bethpage Federal Credit Union branch in XXXX for my XXXX and beyond bank statements and online bill payment records for which I need for a critical purpose. Bethpage refuses to provide the bank statement and bill pay records. 

XXXX Account : XXXX
Product: Credit reporting or other personal consumer reports

Bankruptcy is not mine, and the credit bureaus won't delete them. They all said they verified it through XXXX. XXXX says they got the information from XXXX, but XXXX says they don't supply information to third-party sources. So how is it verified if it's mine if the source doesn't supply the information? Given that XXXX  does not provide information to third-party sources, the verification process by XXXX and the credit bureaus does not meet the " reasonable procedures '' standard required by the FCRA 15 U.S.C. 1681.So if XXXX and the credit bureaus can not verify the bankruptcy through a reliable and accurate source ( since XXXX  does not provide this information to third parties ), they are required by law to delete it from my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am reaching out to inform you that upon receiving my credit report, I noticed several errors that require immediate attention. It appears that you have reported incorrect personal identifiers in my file, which poses a significant risk to my identity if not rectified promptly. I am disappointed that this has occurred, and I kindly request that you take the necessary steps to remove all inaccuracies from your records without any delay. Additionally, I ask that you eliminate any employers and phone numbers associated with my credit report. I do not authorize you to retain or report any information that consists of unverified claims about me, potentially outdated or inaccurate. I want to emphasize the importance of using only correct and up-to-date information about me. As per my understanding, you have a 30-day window to complete this update, and I urge you to ensure the accuracy of all information in my credit report within this timeframe. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Listed below are the Personal Information that are being challenged Incorrect Current Address : XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect DOB : - XXXX  Employer - XXXX XXXX
Product: Debt collection

I started off by Attacking Multiple Accounts Found on my credit file Various Accounts were reporting wrong but the one thats was the most obvious to be was the student loans my student loans have been Forgiven for about a year yet hear on I am a veteran of the military my loans were forgiven through a XXXX  discharge. 


FURTHER MORE THE INCONSISTENT HISTORICAL PAYMENT CALENDARS ARE LACKING IN ANY ACCURATE INFORMATION THEY ALL DISAGREE WITH EACH OTHER AND BEING THAT PAYMENT HISTORY IS 35 % OF MY CREDIT CORE IT IS RECOMMENDED THESE CALENDARS TO SHOW PAID AS AGREED NEVER LATE. 

Please marked the Erroneous student loans as paid as agreed never late. CLEAN UP ALL CALENDAR HISTORY TSO IT DOES NOT AFFECT MY PAYMENT HISTORY IN NEGATIVE FASHION. 


DEPT OF ED/NELNET XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MAIL ONLY Account type : Installment DEPT OF ED/NELNET XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX MAIL ONLY DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX Account type : Installment U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX   XXXX, IA XXXX Account type : Installment U S DEPT OF EDXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, IA XXXX Account type : Installment US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Account type : Installment US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Account type : Installment US DEP ED XXXX Account type : Installment US DEP ED XXXX Account type : Installment U S DEPARTMENT OF ED XXXX XXXX XXXX  XXXX XXXX, NY XXXX MAIL ONLY Account type : Installment U S DEPARTMENT OF ED XXXX XXXX XXXX  XXXX XXXX, NY XXXX MAIL ONLY Account type : Installment US DEP ED XXXX Account type : Installment US DEP ED XXXX Account type : Installment
Product: Checking or savings account

On XX/XX/2021 BBVA locked my acct without reason. I was told conflicting information as to why my acct was locked. I emailed paperwork as they requested. ( 3x ) I have left messages for the investigator, XXXX XXXX 3 to be exact she has never returned my call. I spoke with a rep XXXX XXXX she gave me her direct email address to send info. I never heard back from her. Every time I call reps are not helpful. The call either drops or they transfer you without telling you. They have the worst customer service. To date my acct has been locked since XXXX. I received a letter stating they are investigating my acct and it will take 10 days. That was on the XXXX of XXXX. No one has contacted me regarding the outcome. And when I call reps just say I need to speak to fraud dept because they have no info to give me. Meanwhile the bank is holding my money hostage. This is illegal bad business practices. I need help. These banks are bullying people. And non one seems to be able to help. I can't pay my bills. I'd like my money and to close my account with this bank. I tried to get some resolution today and again I was transfered to another rep by the name of XXXX who I was told was the back up person to the rep handling my acct. He too did not answer the line and I was prompted to leave yet another message. Why is my acct still locked?? Why is no one returning my calls? .. Why did the letter I received said it will only take 10 days?? This is unfair!! The are holding {$13000.00} with no explanations. They never reached out to the loan company to verify.
Product: Credit reporting or other personal consumer reports

This letter is to inform Experian that you are reporting a fraudulent account that arose from Identity theft. It had been previosly deleted and came back to my report. I never applied for this credit card and did not recieve any good or services from XXXX. In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Dear Cash App Support Team, I hope this message finds you well. I am writing to request a review of the decision to ban my account, XXXX XXXXXXXX, as I strongly believe this action was taken unfairly and without sufficient cause. 

I have been a loyal user of Cash App for several years, and I value the convenience and services your platform provides. Unfortunately, my account history over the past months has been fraught with issues that remain unresolved despite my continued efforts to seek support. 

Here is a brief summary of the situation : In XX/XX/year>, my account XXXX XXXX was unfairly banned. After multiple appeals, it was reinstated on XX/XX/XXXX, but certain features, such as ACH deposits and XXXX purchases, remained inaccessible. 
On XX/XX/XXXX, following advice from your support team, I closed this account and created XXXX  XXXX, which was banned in error. I then opened XXXX  XXXX. 
On XX/XX/XXXX, XXXX XXXX from Cash App Specialty Support confirmed that XXXX  XXXX was re-enabled. However, subsequent identity verification issues led to another ban, despite my compliance with manual review requests. 
The latest email from XXXX on XX/XX/XXXX indicated that my account was closed permanently, citing potential Terms of Service violations. However, I have always adhered to your terms and have no history of disputes or misconduct. 
I believe these issues stem from misunderstandings and system errors rather than any intentional violation on my part. I respectfully request that my case ( ID : XXXX ) be revisited and my account reinstated. I am happy to provide any additional information or documentation necessary to assist in resolving this matter. 

Cash App has been an integral part of my financial management, and I sincerely hope to continue using your services. Thank you for your time and consideration, and I look forward to your response. 

Sincerely, XXXX
Product: Credit card or prepaid card

On XX/XX/2021 - I went through the prequalification process with American Express. The website is : https : //www.americanexpress.com/us/credit-cards/check-for-offers/ I received a response that I prequalified and was encouraged to apply. I have attached the response to this complaint. 

I applied and was denied credit. Response attached to this complaint. 

This is a bait and switch activity to get people to apply for the credit card. This is misleading advertising and my credit score took a hit. If I would have never been offered a prequalification, I would have never ever applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to login to my credit freeze account through Transunion. It used to be located at the site https : //www.transunion.com/credit-freeze. When attempting to login I receive and error. I have a record of the user name and password I used when starting the account 2 years ago. Now it appears as though the login site is https : //service.transunion.com/dss/login.page ; however, when I try to login it also returnas an error. 

Besides not having access to my freeze account, I can not get support. All support is automated and simply sends you to a password reset site. The password does not actually get reset and there is no other way of getting a resolution as there is no phone or email support at Transunion.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX. HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.U.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 have disputed this outdated information several times. They remove it and then wait and add it back with a later date. The loans are from XX/XX/2003. IRS has garnished taxes to pay balances yet they are still being reported.
Product: Checking or savings account

I did open a professional business account with U.S. Bank jurisdiction, applies to a checking account be respective assign XXXX XXXX XXXX, mine legal advisory and document company, then addressed XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ca. XXXX, account, XXXX, and was attends professional business in XXXX, Ca. XXXX, purchasing pro-business type equipment accessories, " business cards, etc. '' from XXXX XXXX XXXX, when I did present the XXXX XXXX  clerk mine new U.S. Bank for business debit card in order make an about {$100.00} purchase ... '' Although the funds were at fact an unavailable jurisdiction mine relevant checking account, the " overdraft '' then was " paid '', even of an " high dollar amount about {$100.00} '' without my card be a true, for capable receive bank credit, " credit card ''. " I was not supposed to get an about {$100.00} credit, apply mine type of pro-business checking account... 
I was later, after I inquired of mine U.S. Bank account, occur an " insufficient funds, overdraft fee '' and a " negative balance attends to mine relevant account U.S. Bank 's records '' ; " I did occur an injury upset mine of VA doctor diagnosed, XXXX XXXX XXXX, compel me use VA prescribed medications, XXXX, and other, suppress then and further illness, injury ''. 
" I was never provided an claim form ( s ) regards the injury and pro-business loss, inconvenience occur by fault U.S. Banks errors, card 's malfunctions, after I did inquire, ask for one, and within a professional business written letter forms address represent mine then, dba., XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Capitol one keeps doing hard inquiries XXXX after the other there are so many thats its dropped my credit XXXX points in a week they wont stop Ive asked them to Ive told them I have not applied for a capitol one card ever. In my life yet they continue every single day doing hard inquiries on my credit sometimes XXXX or XXXX a day its XXXX and they wont stop
Product: Mortgage

I started the process of applying for a refinance on my residence in XX/XX/XXXX. The appraisal was completed and documents submitted within 48 hours after they were requested. The rate lock was through XX/XX/XXXX. The closing on the loan has been delayed several times. The latest delay is with underwriting. 
Ive had contact with the company via email and telephone on the following dates ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. 
Inaccurate Closing Disclosure documents were sent to me and a closing scheduled for XX/XX/XXXX. The closing was cancelled because accurate numbers were not provided. Points and fees were not as agreed to. At that time I discussed increasing the loan to 80 % ltv versus the original 70 % loan. The current delay is with underwriting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX falsely verified information that is reporting on their systems with my information. I have exercised my rights under the FCRA for 100 % variable and 100 % accurate, which they still have failed to provide. They state they made a phone call to verify my information with the XXXX County District Court which is prohibited under the FCRA as 100 % variable and 100 % accurate. I demanded for them to remove the information as I have filed a second dispute under my Federal rights in accordance of the FCRA to them which they should have received by now. XXXX County District court stated to me they do not send verification or gave any information to XXXXXXXX XXXX XXXX. I will exercise my rights for the damages including and up to litigation.
Product: Credit card

UPGRADE has discriminated against me the consumer by denying me a RIGHT to credit under ECOA for notice it is fact under 15 USC 1602 CREDIT IS THE RIGHT GRANTED and it shall be unlawful for any person to deny anyone one credit for the reason of the consumer exercising a right. Notice it is a fact I am the original credit card holder and creditor in the credit transaction with UPGRADE as defined under 15 USC 1691a and I am fully aware that UPGRADE via my credit application has obtained a SECURITY. I here on behalf of PRINCIPAL accept all TITTLES, INTEREST, EQUITY and RIGHTS due to principal. UPGRADE has no lawful authority to deny a right to credit while obtaining my security. I ask UPGRADE to reprocess the application and accept the application extending to me my own credit for this unlawful advers action has caused me severe inconveniences and damage for there is no lawful authority to deny a Federal Right. Notice it is fact UPGRADE you have failed in your TRUTH IN LEND ING REQUIREMENTS and did not disclose to me my RIGHT TO RECISSION under 15 USC 1635. Hence your breach of duties my dead line to recind is now 3 YEARS!. Accept my application and extend to me my own extended credit or return to me under TRUTH IN LENDING my " ORIGINAL '' Credit Application/ SECURITY or be held liable for a violation under TRUTH IN LENDING and THE SECURITY EXCHANGE ACT OF 1934 and have a IRS Form 3949a and IRS Form 211 filed against you.
Product: Credit reporting or other personal consumer reports

I was pre approved by XXXX XXXX auto loan when shopping online for a vehicle. I found a 2014 XXXX XXXX at XXXX XXXX  XXXX schedule a test drive for XX/XX/XXXX at XXXX when i arrived i informed that I was pre approved for an auto loan with XXXX  XXXX auto finance and i wanted to follow through to see the APR. He then explained that XXXX was running a special offer and I explained that didn't want my credit ran through multiple creditors he can back with 2 offers one for XXXX  XXXX and the offer from Ally whom I believe to be an XXXX lender. I didn't not authorized any other creditors Nor did I have any knowledge of my credit be submitted through any lender besides XXXX XXXX AND XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report numerous times and consulting a financial advisor I've discovered 2 Credit Cards reporting that I've never opened. The account XXXX XXXX opened on XX/XX/XXXX reporting for {$11000.00}. I discovered this in XX/XX/XXXX. The other account a XXXX XXXX opened on XX/XX/XXXX. I discovered this account on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S. Code 15 U.S.C. 5 1681 Section 604 of The Fair Credit Reporting Act According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all Information that is inaccurate, Incomplete, or which can not be verified.

15 US.C, 1602 ( g ) 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) 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 Which is a {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX came to my door and was trying to sell me home security. They promised products of certain qualities ( XXXX camera, water heater flood alarm, integrated smoke alarm ). I agreed and signed financing documents for the product. During installation, they didn't bring the agreed upon products. They said their salesman was new and to get what we talked about would be an upcharge. I was not interested in haggling and canceled the entire sales. The problem I am having is XXXX canceled everything and vacated my property with their equipment. I have all the documentation to support that statement. Their financing company called Fortiva refuses to cancel the loan and expects monthly payments for something which doesn't exist. The original agreement amount made with XXXX was {$1400.00} which they upcharge to {$1700.00} for the original agreement. After agreeing to the upcharge, they still failed to bring the required products. I got frustrated dealing with their bad sales practice and canceled the entire order. After canceling, a month or two later I see Fortiva on my credit report for {$4000.00}. My wife showed me that she also has a {$4000.00} loan from them on her credit report. They also refuse to speak with us and refuse to accept the cancelation documents provided by XXXX. I have reported it on my credit report and was denied two times with the supporting documents.
Product: Bank account or service

Chase bank has begun installing new ATMS that arbitrarily cancel my previous arrangement with the bank, that compromise my privacy and that potentially increase my security risk. 
I previously made explicit arrangements with the bank to link my debit card to only the smallest account among XXXX I have with the bank. These new ATMS -- and I have confirmed this with branch representatives -- automatically display all XXXX accounts and their balances on screen for anyone nearby to see, AND all XXXX can be withdrawn from, eliminating the protection I had arranged by only tying my debit card to the smallest balance. 
I have complained at XXXX different branches and each time received the same response : The branch representatives are hearing many complaints from customers and forwarding the complaints to corporate offices ; they tell me they will get back to me. 
I never hear back and the decreased privacy, the increased risk and the arbitrary services change persist.
Product: Credit reporting or other personal consumer reports

I have a personal checking and savings accounts that were opened in XXXXXXXX XXXX XXXX, and neither of them are showing up on my credit report. It only shows ones that were previously closed before making the ones I have currently. 

I also have been at my current place of employment for XXXX XXXX XXXX XXXX XXXX but it shows I have no employment history as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. Your cooperation would be GREATLY appreciated. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 Please remove this inaccurate information from my credit report. 

2. Identity Theft XXXX  XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.