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

i have inaccuracies on my credit report and because of this its causing significant harm to my credit. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C S 1681 c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this complaint. I also would like to delete all personal information that is not mine or not accurate related to this identity theft. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were NOT AUTHORIZED BY ME and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

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

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

4. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.
Product: Checking or savings account

BBVA FROZE MY ACCOUNT AND WONT GIVE ME MY MONEY BBVA XXXX XXXX XXXX XXXX XXXX ARIZONA XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. All transactions and charges on this account are fraudulent. I never benefited from any of these transactions.
Product: Credit card or prepaid card

I was using my paycard to get a XXXX subscription and it wouldn't process the payment and when they seen activity on the account with my XXXX XXXX  prepaid card they suspended my card for suspicious activity when it was me the entire time and now I can not use my card and now I been calling for the last two days stranded without access to my funds and every time they keep doing the same thing over and over telling me they have to submit another ticket to solve the problem and nothing happens and keeps saying and doing the same thing over and over with no way to contact the bank to even get the account unlocked they keep spinning me into the same unresolved issue and nothing is being done I'm tired of this back and fourth with nothing and no real customer support to resolve the matter
Product: Vehicle loan or lease

back in XXXX  i had car from XXXX was accident and XXXX by ins, company but some how car lease did not get paid in full they putt me in collection never want to resolve issue.
Product: Debt collection

Sequium Asset Solution is reporting to XXXX, XXXX XXXX XXXX that I owe a " Medical Debt '' to them for {$1600.00}. I have not signed any contracts with Sequium Asset Solution. Nevertheless, Sequium Asset Solution should not be in receipt of my medical information. This is a violation of my XXXX rights & subtitle D of the XXXX, SEC. XXXX. Enforcement of penalties against me is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and Clinical Health Act of XXXX ( XXXX XXXX ) as issued XX/XX/XXXX and the penalty rules of the FCRA and XXXX including FACT Act changes final rules effective XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX 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 that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. 15 U.S.C 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 15 U.S.C 1692 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting or other personal consumer reports

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 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 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 reasonable cause to believe that the information is inaccurate. 

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

I been contacting this company and the other there always playing games. Now we are done playing I call and call and all you do is hang up or say you can not verify who I am.
Product: Credit card or prepaid card

I am submitting this as I have been a loyal and long term customer of Kohls since XXXX. I have achieved a most valued customer status over the years for all the good business I believe have brought the company. I work in the medical field and XXXX have brought a different amount of stress, then factor in an unexpected, but the biggest blessing by far of XXXX. As the new year had come in, with a XXXX and managing to work through all the responsibilities of being a XXXX mother, it was brought to my attention that a Kohls payment had been missed. The soonest that I found out about it, I immediately paid it all off for {$190.00} which included all the fees. My concern and the reason for reaching out is because of the new family my husband and I are trying to raise, we are looking to purchase our first home. With the XX/XX/XXXX ( 30 ) day late penalty that was placed on my credit profile by Kohls, my FICO score have decreased over 100+ points. I have reached out to Kohls, but unfortunately there was no success. I must say that it was very disappointing given all the years I have been a loyal customer to them. I was hoping that my loyalty would be valued even just for this one time.
Product: Credit card or prepaid card

Unable to use funds on my visa gift card. Called customer service, the company representative reported that my funds were stolen. I spoke to 2 different people on the phone, unable to get a clear answer about my claim.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Money transfer, virtual currency, or money service

Accidently deposited XXXX to XXXX  address on binance.us created ticket XX/XX/XXXX to have binance recover the XXXX and either send it back to sending address or credit it to account as XXXX. Ticket # XXXX. XXXX replied to ticket and said it was submitted. However on Tuesday XX/XX/XXXX the ticket was closed for comments and had been marked as solved since XX/XX/XXXX even though funds have not been restored. A new ticket # XXXX was made in place of old one. I have heard from others who have had a similar issue on a later date that their problems have already been resolved so I can only assume my ticket was ignored when closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a copy of my credit report from XXXX, Equifax and XXXX. After receiving my report, I noticed that there were inaccuracies on some of my accounts. I sent letters to XXXX, Equifax and XXXX on XX/XX/2023 asking them to investigate the accounts and ensure that they are 100 % accurate ( see attached documents for tracking numbers and letters ). Equifax received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. I received letters back from Equifax and XXXX showing that they had completed their investigations into the accounts. I did not receive a letter back from XXXX. I received a new copy of my credit report from XXXX, Equifax and XXXX on XX/XX/2023. This is 30 days after my letters were received. Upon looking at my reports, I noticed that there were still inaccuracies. 

On XX/XX/2023 I submitted a complaint to the CFPB about the inaccuracies. XXXX Complaint ID is XXXX. Equifax Complaint ID is XXXX. XXXX Complaint ID is XXXX. XXXX Responded on XX/XX/2023. Equifax Responded on XX/XX/2023. XXXX Responded on On XX/XX/2023 I pulled new copies of my credit reports AND THERE ARE STILL INACCURACIES. This will be my THIRD TIME trying to resolve these issues. I do not understand why I am being pushed around by the credit bureaus. I do not understand how the credit Bureaus are able to tell me that ALL INFORMATION IS CORRECT, but report completely different information! This is my last time trying to resolve this issue before seeking financial compensation FOR EACH INACCURACY. 

According to the FCRA a credit reporting agency 's role in a dispute is to review accuracy and completeness of any disputed item. PLEASE EXPLAIN WHY THERE ARE STILL INACCURACIES BEING REPORTED IF YOU ACTUALLY REVIEWED MY DISPUTE! 

On XXXX XXXX XXXX Account Number : XXXX or XXXX, payment history is inaccurate!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I pulled my credit report during the last quarter of XX/XX/XXXX and noticed a collection in the amount of {$200.00} from Enhanced Recovery Company ( ERC XXXX. I was never contacted about this debt. I called and spoke to a representative at ERC who informed me that the collection was due to an old XXXX account I had closed back in XX/XX/XXXX and that they could not provide me with any additional details. When I told the representative that this was a prepaid account, I was told that I would have to contact T-Mobile for additional information about my account and to request that they make a request to have the debt removed. I called XXXX and spoke to a representative who confirmed that my plan was prepaid ( Flex Pay ) ; however, they could not remove the collection once it was out of their hands ( the collection agency had to ). They refused to assist with removing the collection account even after I told them I had never received any phone calls notifying me of this fee. I have been calling XXXX and the collection agency for months with nothing being resolved. I also mailed the collection agency a request to prove that it is a valid debt and to prove that the cancellation of a prepaid account is valid. I have received no response.
Product: Credit card

Recently I was flying Spirit Airlines and they were advertising their Spirit Mastercard from Bank of America. The advertisement goes like this : Upon receiving the Spirit Mastercard, customers will receive XXXX Spirit miles after first purchase, regardless of the purchase amount. According to Spirit agents, XXXX Spirit miles is good for most XXXX flight tickets since their trip can be booked at XXXX miles/ticket. I wholeheartedly trusted their advertisement and submitted my application for a Spirit Mastercard although I have more than XXXX credit cards at that time because I was incentivized by their offer. However, after receiving my Spirit Mastercard from Bank of America, I started to look for flights I can book with my Spirit miles. After a thorough search of Spirit reward travel, I found about 90 % of my search results in reward travel requires XXXX miles per trip plus fees, and the remaining XXXX % results in reward travel requires XXXX miles per trip plus fees, which is XXXX and XXXX more than what Spirit had advertised. I am extremely disappointed by the way Spirit and Bank of America had advertised this credit card, and I felt victimized by their false advertisement. I am formally exercising my right as a consumer and seeking help from Consumer Financial Protection Bureau to thoroughly investigate this issue and have Spirit and Bank of America properly compensate the damages they have done to their consumers, including me.
Product: Credit reporting or other personal consumer reports

While checking my credit profile I had some hard inquiries listed that do not belong to me.
Product: Vehicle loan or lease

In XXXX of XX/XX/XXXX I, XXXX XXXX went into Harley XX/XX/XXXX Located at XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX. I rode up to Harley on a XXXX XXXX with my XXXX, XXXX XXXX. We went to XXXX to look at Motorcycles. My Fiance and I thought about trading in our XXXX XXXX to purchase a XX/XX/XXXX XXXX XXXX. We left that day with the new XXXX XXXX, but boy was it the WORST Decision we ever made. We were both very young and conned into a Loan at a WHOOPING 22.99 % Interest Rate. Fast Forward to the Present Time, we Owe more now than we did when we Purchased the bike in 2017. When we talk about how XX/XX/XXXX we were when we bought the bike, and talk to other consumers, we realized how bad we were misformed and lied to about our interest rate, monthly payment, and the strategies they used to get us financed into buying this motorcycle. Once we realized how XX/XX/XXXXwe were with a XX/XX/XXXX monthly Payment PLUS a 22.99 interest rate all we could do is pay it each month. We have paid Harley Finacial MORE than what the bike is actually worth. We even Offered to pay them XXXX to settle out the loan and explain how we were lied to and conned, They do not care at all. They rather come and repossess the bike rather than working with us during covid and taking the XXXX we offered. We called and called and called, and told them we were lied to on our Contract. The Saleswoman at the time told us that after 30 days we would have been able to REFINANCE the loan through Harley Financial, Which was not true because Harley Finacial does not refinance, We were never sat down to read over the contract we were just told YOU ARE APPROVED, you'll just have to lower the payment in 30 days. We have paid over a three year period a total of almost XX/XX/XXXX THOUSAND in Interest. and STILL, owe XXXX on the bike! When we traded in our XXXX XXXX we were told, that XXXX would be put towards our loan as well. WELL, they lied again and our loan amount on the paperwork was for XXXX. We never agreed on XXXX. Harley Charged out paperwork as a total amount due to Harley was XXXX. We financed XXXX. They XX/XX/XXXXus everywhere they could. 
WELL, when we brought our Contract to a lawyer he informed us that Harley actually added Warranties, and our XXXX was never put towards our principal. We have a month, after month, tried to pay this motorcycle down but CAN NOT because of the interest rate. We are unable to buy a home, and Harley Financial told us this loan is like a home loan, it's an interest loan, The girl on the phone said the loan was similar to a Home loan and we HAD to pay the Full XXXX ( we have XXXX ) They have already made XXXX off us, plus fees, plus stress PLUS the XXXX we offered. We were FRAUDENTLY put into a loan, Have EXTENSIVELY tried to work with Harley Financial and all they have been is RUDE, Arrogant, and told us the only way to help us is to file Bankruptcy. We have also found out this has also happened to other fellow Bike riders. WE NEED HELP
Product: Debt collection

On XX/XX/2022 I dispute this debt to Portfolio Recovery and also ask for debt validation. I also request to provide verification of the amount they said, I owe. They did not provide me with the original credit application as I ask. 
Portfolio Recovery respond back that they had completed our investigation of your dispute concerning this account.

Portfolio Recovery never did a proper investigation, In accordance with Fair Credit Reporting everything has to be 100 % accurate on my credit report, how is that possible if the date open is inaccurate, last report date, date last active? 
They also violated the law because according to 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 an account without my written instructions, I did not give anybody written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX  CARD, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX CARD and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX CARD with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days LATE. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed this information and it was never removed.
Product: Credit reporting or other personal consumer reports

I am reporting XXXX, Experian, and XXXX to the Consumer Financial Protection Bureau ( CFPB ) due to numerous inaccuracies in the information they've provided on my credit reports. Under the Fair Credit Reporting Act ( FCRA ), all furnished information must be complete and accurate. However, I've found inconsistencies such as varying payment statuses, incorrect payment dates, missing payments, and incomplete account histories across the bureaus. These discrepancies misrepresent my creditworthiness and could adversely affect my financial opportunities. I urge the CFPB to investigate and take necessary actions to rectify these inaccuracies promptly. Additionally, if these issues are not promptly resolved, I am prepared to pursue litigation against all agencies involved to ensure the accuracy and integrity of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for fraud alert removal and it's still showing on my account and this is affecting my ability to open a bank account. I need the fraud alert removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report :
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

My XXXX, XXXX, and XX/XX/2023 payments keep getting rejected by Valon mortgage. They keep blaming my bank but my bank and saying my account numbers are incorrect but my bank has confirmed all my numbers are correct and there should be no issue. I have setup " Autopay '' many times and for a reason they are unable to explain, Valon Mortgage keeps turning it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter to validate that this alleged debt reporting was in fact mine. on XX/XX/2021 They responded with a generic letter stating that they verified the account, which by no means does their letter validate that this was me that had this account. I sent a letter to follow on XX/XX/2021. 

They are re-aging the account monthly- which is illegal to do so, and an FCRA violation. 

Please see all attached documents.