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

XXXX XXXX XXXX Account # XXXX XXXX & XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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
Product: Credit card or prepaid card

So I walk into the Macy 's store in XXXX XXXX XXXX New Jersey looking for cologne when a young lady approach me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  after I explained the cologne I'm looking for she offers me a credit card I told her I had a good credit score of XXXX and that I would only allow her to do a soft pull she said she agreed several weeks later I get a letter in the mail stating why I was not able to get the car because I'm not using my other three credit cards enough which is not true one of my credit cards had a balance all the way up to {$800.00} that one has a balance of XXXX that I recently paid off so they're saying that I was not active with those cards which is not true and I have evidence of it I will mail you or text or fax you these information
Product: Credit reporting or other personal consumer reports

LIFE HAS BEEN SUPER DIFFICULT TO DEAL WITH BECAUSE OF MY EXPERIENCE WITH HUMAN TRAFFICKING. I NEED TO GET MYY LIFE BACK IN ORDER. PLEASE HELP ME BY DOING SO BY SEEING ATTACHED SUPPORTING DOCUMENTATION TO FURTHER SUPPORT MY CLAIM UNDER 605C
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the Transunion credit bureau and informed them I have been a victim of identity theft. I faxed over and sent a copy of the identity theft report and affidavit required to remove/block the inaccurate information on my credit file. As of XX/XX/XXXX there is 1 collection account still appearing on my report that resulted from identity theft. I have asked Transunion to remove/delete/block this inaccurate reporting, but it is still there. I would like it to be removed immediately.
The inaccurate collection account is : XXXX XXXX XXXX in the amount of {$150.00} and the original creditor is XXXX.
I have never owed/held an account with XXXX and I want this derogatory, inaccurate, wrong information removed from my report immediately.
There are also two inquiries that have been disputed which are still appearing. They appear as a result of identity theft.
1 ) XXXX XXXXt obtained a copy of my file onXX/XX/XXXX 2 ) XXXX XXXX obtained a copy of my report on XX/XX/XXXX These two inquiries were not authorized by me. It is my understanding if I did not authorize a company to pull my credit report then they are not allowed to report to the credit bureaus. Where is the protection of the consumer? I have asked the companies to delete the information and Transunion. It is the responsibility of the Transunion to update/remove the inquiries.
Product: Checking or savings account

I was contacted by XXXX to have my business account set up but could not verify my navy federal bank account I was told to call technical support for assistance, while on the phone with tech support my IP address was hacked and the hacker who stated they were from XXXX customer service hacked my XXXX and transferred {$4000.00} out of every account I had listed on my XXXX and also opened an credit card account in my name, not to mention my Id was lost/stolen at the hotel in XXXX a XXXX before, the bank provided provisional credit then reversed the provisional credit which was from my understanding protected funds they were mine my sons XXXX back pay. Mind you the bank was notified immediately as I seen money leaving the account, Navy federal told me they seen the hacker trying to go in my account 5 times after I reported the accounts hacked and the were frozen immediately, not days later immediately! Navy Federal Credit Union has not only defamed my name and character by accusing me of being apart of this cybercrime scam, which is XXXX XXXX  counts on the hackers, they have lied multiple times about not being able to take my son and I XXXX check, at which we are completely without any money while they stated they were in investigating the appeal, however Navy Federal CU is calling me threading to close my account and is still demanding money from me. Also, Ive been back and forth to the XXXX, ga branch asking for answer, but getting nothing but the run arounds. I explained I have nothing at this point and I cant even buy my son anything for XXXX, the Navy Federal Credit union brand assistant manager stated aw Im sorry, Im sure your son wants the world for XXXX in the most nasty way I just walked away crying. I was hack through an tech support application, all my money was stolen I have text messages, recorded calls and police reports to prove I was a victim and I would like to stopped being treated like a criminal and like my money doesnt matter and have Navy Federal put my money back that is owed to my son and I. I would like to be taken seriously and not be treated as if Im a criminal and I do not matter in my financial institution.
Product: Mortgage

We have shown the bank that we can make the payments after they grant us the modification as they let us know that we are low income when our payments are XXXX per month and we earn between XXXX and XXXX dollars a month I would like an accessory because we are accumulated due to the COVID pandemic my father my mother-in-law died my brother and my brother-in-law we had many problems and the bank had promised us to defer the payments at the end and the bank sold it to another bank Selene financial which demands the payment and We have even sent the dog 's birth certificate and they still do not help us!!!! Lol sorry I have no idea what to do but we appealed the decision
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advised promises.
Product: Credit reporting or other personal consumer reports

The accounts listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Equifax verified XXXX items on my credit report that are incomplete. As per the FCRA section 609 ( c ) ( 2 ) ( E ) and 611 ( a ) ( 1 ) ( A ) warrants the CRA 's to remove all accounts that is inaccurate/incomplete due to no original signed documents, invoices, etc ca n't be produced.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Dater of Birth : XX/XX/XXXX. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ( a ) that you the Experian 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 consist of a personal credit card account open at XXXX XXXX  XXXX XXXX on XX/XX/XXXX, a personal credit card account opened at XXXX XXXX  on XXXX XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX, and a collection account added from eastern account XXXX  opened on XXXX XXXX, and a collection account added from XXXX XXXX XXXX opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and collections and charge offs appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, or 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 the FTC identity theft criminal complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and Hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised Experian on several occasions that the information being reported on my credit file is incorrect, possibly in error and/or a result of identity theft. The following address ( es ) do not belong to me XXXX   XXXX XXXX XXXX XXXX XXXX. The following employer does not belong to me XXXX XXXX XXXX. I have never paid the XXXX ( XXXX ) account late. The XXXX XXXXXXXX ( XXXX ) account does not belong to me, the XXXX ( XXXX ) account does not belong to me. These items are a result in an error and/or identity theft and should be removed from my credit file. Please help me get this matter resolved.
Product: Debt collection

This letter is being sent to you in response to the above reference account that Alpine Credit Inc, has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION HAS BEEN REQUESTED. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent At this time I will also inform ALPINE CREDIT INC that your offices have reported invalidated information to all three of the major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative mark that has been found on all three of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against ALPINE CREDIT INC for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character VIOLATION OF THE COLORADO FAIR CREDIT REPORTING ACT LAWS.
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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX 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  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$780.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

sent a XXXX  day verification dispute letter, no response. disputed through XXXX XXXX  and XXXX. by law after XXXX days it has to be deleted if debt can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were written and dated on XX/XX/2022 and a required response was supposed to be received to me within 30 days with original contracts as stated in my dispute letters of ALL the accounts in question must be deleted off of my credit report, due lawful collection fee amounts. I have not been provided with ORIGINAL CONTRACTS FROM ORIGINAL MERCHANTS ON ALL attached to debt. certied mail was used with tracking numbers ( experian - XXXX ) ( XXXX - XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account from Schools First Credit Union is reporting on my credit. I did not open this account. Ive contacted both the creditor and credit bureaus providing ; FTC report and police report. Both creditor and bureaus are refusing to update and remove this fraudulent account from my credit report.
Product: Credit reporting

The credit bureau Experian failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified ''
Product: Debt collection

I have no knowledge of this debt and who this company or who there client is. Other then a notification from my credit monitoring service indicating that derogatory information was being reported to all three agencies by this company is the only thing I have. I would like to point out again I have no idea who this compony is and I have received nothing from them. I don't understand why organizations like this think that they can bypass and violate the FDCPA and it's governing laws and informed consumers will just stand by and do nothing. If this information is not removed from all three agencies immediately I will move forward with other options available to me to correct this situation.
Product: Checking or savings account

XXXX XXXX -- made deposits into savings account. Attempted to log in and learned that access to my online account was suddenly disabled without notice. I contacted the bank via phone, and was not informed of the reason why the account was disabled or when I can expect my access to be restored. I am now unable to access my savings.
Product: Credit reporting or other personal consumer reports

This is my refilling of complaint to EXPERIAN for allowing unauthorized inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a late payment ( XXXX ) notice from multiple credit monitoring services. The recent late payment notification was reported by TRANSUNION INFORMATION SERVICES on a closed charge off account ( XXXX  ) that has been closed for over 3 years. This should be impossible. This inaccurate reporting of a late payment on a 3 year old closed charge off account dropped my score XXXX points! Inaccurate reporting is a violation of the FCRA. And the listing of this account as open is coming from TRANSUNION. I disputed this with Transunion asking for this to be corrected and the account deleted. They only deleted the late payment but not the account. Leaving me with a XXXX pt hit on my FICO and now credit reporting services are starting to report me as having a recent late payment when in fact i have not been late in over 2 years. The way this account is being reported is a violation of FDCPA. AND FCRA
Product: Credit card

Chase sapphire reserve credit card transaction was declined more than 30+ times in past few weeks, no matter it is {$1.00} parking fee, {$20.00} XXXX XXXX {$4000.00} purchases. Made more than 20+ phone calls with chase XXXX every single time they said it would work for future transactions but apparently nobody was trying to solve and answer the problems. And every time the phone call takes more than 30 mins, from one department transferred to another, some of the cases ( 5+ ) they said they will check the account and call back but they never did. The customer service just followed the procedure and repeat the same saying and hung up the phone if insisted to let them solve the problem instead of repeating they understood the problem or they were sorry to hear that.
Product: Credit reporting or other personal consumer reports

My information was exposed on the dark web and someone is applying for credit using my information I have locked my reports to prevent further damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you 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, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5100.00} XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Checking or savings account

My tax refund was deposited to my Chime account XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I paid my rent and then suddenly I was logged out of the app and told to contact customer service as my account has been placed on hold due to suspicious activity. I called customer service and asked how is a deposit titled tax refund disbursement suspicious activity when Ive been using this same account for years. I was asked to email proof of my tax return, my identity, etc in pdf format. I sent everything asked and just keep getting the same emails to send the same information Ive already sent multiple times. Ive sent proof of everything from Copies of my tax return, transcripts, invoices, etc and still no access to my account or funds that I worked hard for. They locked my account XXXX XXXX XXXX XXXX XXXX. Ruined his birthday, my rent and bills are about to be due again!!! My work checks come to this account! This is ridiculous
Product: Credit card

I was on XXXX and made a mistake due to ad confusion! I did not want to apply for a credit card at the moment, however while trying to cancel it they still reported it on my credit! I need this removed, terminated or ceased. Thank you