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

This is XXXX XXXX and I am submitting this CFPB Complaint to request several credit inquiries that were unauthorized to be removed from my credit report. On XX/XX/XXXX, I purchased a copy of my credit report and became aware of several inquiries that I did not authorize. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. They are as follows. 
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 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  XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX. In keeping with the Fair Credit Reporting Act, I am asking that my claim is investigated and any and all unauthorized inquiries removed from my credit report. If the validity of these inquiries can not be verified, the Credit Bureaus are obligated by law to remove the item. There is a clear case of unauthorized inquiries here, and I urge the Credit Bureaus to remove them before I am forced to take legal action. I would appreciate a copy of my credit report once the inaccuracies are removed.
Product: Credit reporting or other personal consumer reports

iam a victim of identity theft and i disputed my accounts and requested contracts from them and signatures and no response from them and they removed them and i have 2 accounts that were back without even contacting me or sending me a notice or anything like it doesn't even concern me and this is violating my rights as of 15 U.S Code 1692g violations of debts in accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 SECTION 604 A section 2 : it also states a consumer reporting agency can not furnish an 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, other than records of convictions of crimes which have dates the reports by more than seven years.15 U.S.C.1681s-2 ( a ) ( 1 ) A PERSON SHALL NOT FURNISH ANY Of the information RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON knows or has reasonable cause to believe that the information in inaccurate and these are the accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied online for a new Chase XXXX XXXX XXXX XXXX account on XX/XX/2022. On XX/XX/2022 a denial letter was written by Chase. It was based on the following reasons 1 ) Delinquency or other derogatory relationship with our bank 2 ) Insufficient balance in deposit and investment accounts with us XXXX ) One or more credit cards have a high balance compared to the credit line 4 ) Total available credit on credit cards is too low My itemized complaints : Line 1 can not be true and factual since I have never had an account with Chase. 
Line 2 can not be applied because this credit card is designed for balance transfers and there was nothing in writing on the application webpage about having an existing account with Chase and a balance in deposit and investment accounts.

Line 3 the balance transfer would have significantly dropped the high balance to the credit line. I have money owed to me that will be applied to the balances.

Line 4 getting a Chase credit card will increase the available credit I asked for a detailed explanation for lines 1 and 2 over the phone to a Chase CSR and all I have received is this ambiguous explanation of denial
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card account with Self lender! It was opened XX/XX/XXXX! I got my card XX/XX/XXXX! According to their billing cycle! All payment must be made by the XXXX or end of the month! That means in XXXX they will report what happen in XXXX! XX/XX/XXXX I had my card almost paid in full! XX/XX/XXXX they reported the card my the way it was supposed to XXXX dollars owed with a limit of XXXX! On XX/XX/XXXX they reported again and back tracked the information! Saying the card was XXXX owed with a limit of XXXX! Making my account looked maxed out! I disputed the fact and they still verify a maxed out card! I have not used the card and paid the XXXX dollars even before XX/XX/XXXX! Everything should be a XXXX balance! I lost 34 points because of it! XX/XX/XXXX! They reported the same thing again! They are sending the 3 bureaus different information and refuse to do the right thing! Its all in Black and white and I cant get them to respond! I disputed it again and they verify another lie on my credit! XXXX  says on thing then XXXX  says another and XXXX  is wrong too! Ive made a complaint to the XXXX   and my mortgage lender see the mistake as will!
Product: Debt collection

I have advised this collection agency via certified mail that this debt they are attempting to collect is not mine, but is a result of identity theft. I have never had a service with XXXX. I included all police reports and documents in the certified letter sent to this collection agency and advised them to cease and desist due to fraud/identity theft. This is NOT my debt and the collection agency must cease and desist any and all harassing collection attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX 2019 I have contacted the collection agency all three credit bureaus ( XXXX, Equifax, and XXXX  ) and XXXX   XXXX disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over ten months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX ( original creditor XXXX ) ... Amount {$1300.00} for an authorized/unknown utility.
Product: Debt collection

I am not liable for this debt of {$3100.00} with Credence Resources Mana I do not have a contract with Credence Resources Mana. They did not provide me with the original contract as i requested with my wet signature and identification verification.
Product: Bank account or service

I 've been dealing with this for months now I have a fraud alert extended fraud alert and files blocked. I 've been a identity theft victim twice already much to my displeasure. Such a hassle on everheverything I do. Citizens bank is not understanding the meaning of fraudulent charges and has a balance of {$290.00} in an open account in my name after countless hours online and disputes to them and investigation I gave up. I refuse to pay for something I did not do.
Product: Credit reporting or other personal consumer reports

I have had background checks done through Checkr on several occasions. My most recent background check XX/XX/XXXX showed a charge that happened almost 20 years ago. Because of this grave error and illegal reporting, Checkr has cause me to lose my employment with XXXXXXXX XXXX They are illegally reporting old information. The statue of limitations on backgrounds is 7 years. They are continuing to report a case that happened in XXXX. This is unacceptable in addition to illegal and has now caused me undue hardship by not being able to provide for my family due to their negligence.
Product: Checking or savings account

tried to open a Chase bank account have nothing on XXXX was denied when gave correct name adress liscence info bday date ss number
Product: Credit reporting, credit repair services, or other personal consumer reports

They are inaccurately dictating my credit score and not giving me proper increase nor score, even when I paid off a few accounts and had a few fraud accounts removed they did not grant my proper increase and stuck me back at the same number within 30 days after those listed briefly accounts. They tried to correct it and somebodys two yet again illegally jumped in my personal business and tried to illegally take advantage of me and my human rights and wont fix what my credit is about. You give credit for a person to represent their self through raceism and integrity and where you come from verse what you do with your life and business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered of this account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  and Transunion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I used td bank credit card, it is connect with my TD bank checking account, I realized that i dont have enough money on my td bank checking account and I put my td bnk checking account XXXX XXXX day before payment due date than they charged to me {$35.00} XXXX late payment fee not done, they charged twice XXXX, i called bank at least 5 times nobody could not help i paid already they charge me same balance two times, than they told me everything fine, everything OK after i got mail from TD BANK, they closed my checking account because i owe them XXXX ... i paid my credit card balance, they charge me twice and close my checking account because i owe them money, they broke my credit history
Product: Credit card or prepaid card

In XX/XX/2018 my account was closed due to fraudulent charges. I was told to send a copy of my ID and a copy of a bill to prove address. 

I sent it for 4 months straight and I was told that once received they would send me a new credit card and reopen my account. But that didn't happen and now they sent my account to collections. They also reported to credit bureau and it has brought down my score. I was in good standing therefore, my account should have been handled correctly. 

I also lost my reward points that was about XXXX.
Product: Student loan

Sallie Mae was my initial loan servicer but then Navient took over. I am having problems with Navient who keeps trying to get me to go into forbearance, which I do not want to do, and the rep keeps telling me that anyone who is past due 3 months will automatically be put into forebearance, which I am totally against. Due to COVID-19, the White House announced 0 % interest on Department of Education ( DOE ) loans effective XX/XX/XXXX. However, Navient keeps telling me that I do not have a DOE loan ; therefore, I do not qualify for 0 % interest and I must apply for forbearance.I keep telling the multiple reps and supervisors whom I have spoken with, that my loans are DOE loans. I heard about the past lawsuits where Navient was incentivizing employees to encourage burrowers to postpone payments through forbearance. It appears that they are at it again. Please assist in this matter. Navient needs to be stopped with this draconian style of servicing!!
Product: Credit card or prepaid card

I called as I had XXXX  recently. I needed this month and next month due to a reduction in income put on pause and resume in XXXX. They advised me they offer nothing in regards to XXXX and that my credit will take a hit. They would not help me in anyway and I've been current on my payments for years.
Product: Checking or savings account

My friend made a mistake and forgot to remove my card from her XXXX. She deposited the funds to her XXXX  to be taken for her mistake XXXX took the funds but it was never returned to my account at SoFi. She used some funds XXXX add cash transaction on XX/XX/year> posted on the XXXX I contacted SoFi and asked why wasnt my money returned to my checking account. I reached out to XXXX  as well for the trace ID to determine when was it returned but I never received anything back they stated that it was reversed. On XX/XX/XXXX XXXX  stated it was reversed to my account but was never received.
Product: Credit reporting or other personal consumer reports

Truist Bank improperly used my credit I did not give permission for Truist bank to access my credit please provide proof that i provided permission to run my credit I request supporting documents with my signature giving Truist bank permission to run my credit Maxim of Law : XXXX XXXX XXXX XXXX 
Unequal things ought not to be joined.

I object to Truist Bank processing my personal data as is my right under Article 21 of the GDPR, CCPA and the UCC Please be advised of the following laws that Truist bank did not comply with NO written contract is enforceable if it is made without any element of a lawful contract : 1. Parties competent, of the age of consent, contract between legal or lawful entities.

2. Free and genuine consent, not obtained by fraud, deceit, coercion, or mistake.

3. Full disclosure, providing all material information that may influence a decision.

4. Sufficient consideration, something of value exchanged between the parties.

5. Certainty of terms and conditions, fixed and unable to be changed without agreement.

6. Meeting of the minds, when the parties recognise and understand their obligations.

7. Signatures or autographs, in wet ink, as recorded evidence of reciprocal consent.

Maxim of Law : Non videntur qui errant consentire.

He who errs is not considered as consenting.

Contract Case Law : Failure to reveal the material facts of a license or any agreement is immediate grounds for estoppel. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Waivers of fundamental Rights must be knowing, intentional, and voluntary acts, done with sufficient awareness of the relevant circumstances and likely consequences. XXXX XXXX XXXX XXXX XXXX XXXX at XXXX ( XXXX ) ; XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

Unconscionable contract - One which no sensible man not under delusion, or duress, or in distress would make, and such as no honest and fair man would accept. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

" Party can not be bound by contract that he has not made or authorized. '' XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I have been locked out of my coinbase account. Tried to log in but every time they ask for a 2 step verification the text is never received. the account has {$100.00} in it. XX/XX/2020. 
I have sent them emails but no response from nobody. 

I just used a different phone number just to test out if the sms verification is down but to my surprise they did sent out a code to that phone number. 

I requesting help to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX Transunion has listed all account status in collections on my. The accounts listed have been paid off in full. My most recent credit report shows the change, credit file number of XXXX. It list all accounts that can be viewed on report in collection status. Transunion also list accounts older then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ).
XXXX has listed accounts more then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ).
XXXX has listed accounts more then 7 years 15U.S.C. 1681c sub section ( a ) ( 5 ) and 15U.S.C. 1681c sub section ( c ) ( 1 ). 
XXXX is not giving me access to my credit report and I do pay a monthly payment to view, they also will not allow a dispute. Online access is jammed and phone calls turn bad do to naive behavior of employees that do n't understand the it problem associated with online dispute. Because I 'm given the option to use online or phone, this is how I 'd rather discuss it. Using mail requires to much time and I 'm not home during mail hours of operation. Thank You!
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXXXX/XX/XXXXXX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions I requested a MOV method of verification on this account because I wasnt notified about it via email, mail, and phone. I checked my credit and happened to see the account. I challenged Equifax to send me their method of verification such as bill, written signature, etc and also stated if it couldnt be produced then the account should be deleted. I revived a letter in the mail saying that the account was verified and that was it. No supporting documents in which I asked for. This collection is not only violating XXXX sections but falsely adding age its not even in the right category this account is suppose to be in collections which it was and they added it to installment accounts which is clearly not an installment. Which further leads to saying that I have a late payment. In the attached photo it says installment accounts are loans that require payment on a XXXX basis until the loan is paid off, such as auto or student loans. Click anywhere on an account entry to see more details about that account. As you can see this isnt a loan and shame on equifax for letting this collection agency damage my credit file and verifying it as accurate.
Product: Payday loan, title loan, or personal loan

I signed up for Kovo Credit Builder because of their association with the app XXXX  which promises to give a {$20.00} payment if you open an account with Kovo and make 2 months of on-time payments for {$20.00} to your credit builder loan. All of this seemed fine with me so I signed up with Kovo and successfully made my two months of payments for {$20.00}, but afterwards did not really see the benefit in keeping the account open, so I wrote Kovo Customer Service and asked to have my account closed and my {$40.00} back. The customer service representative emailed back saying that they had closed my account but my {$40.00} would not be refunded because they have a 30 day money back policy and my request came after 30 days. I dont understand how this happened? If there was a stipulation like that I was not allowed to reverse my decision to close the account or even told that if I did I would be forced to lose the money I had already paid. Why would a company take your money and not even tell you if you were at risk of losing it if you decided to stop their service? What if I had put in {$100.00}? Isnt the whole point of credit builder loans to be loans that you pay in advance and then have a line of credit that you have already paid for? Why do they get to keep any money that is my money? I smell a scam!
Product: Credit reporting or other personal consumer reports

there are multiple discrepancies on my credit report, stating that a payment has been made. All payments were made yet not applied to my mortgage account. The balances are incorrect. The payment dates are incorrect. The past due amounts are incorrect.