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

Name is listed twice.The right name should be XXXX XXXX XXXX not XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received results on XX/XX/2024 and noticed I have inaccurate information on my credit report concerning XXXX accounts. 

The first XXXX is XXXX XXXX # XXXX, the XXXX XXXX is inaccurate, the date opened is inaccurate and the last payment is incorrect. 

The second account is the public record that's on file and it has inaccurate information. The date filed is inaccurate and the type is inaccurate as well.
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX, someone fraudulently tried to open accounts at 4 different financial institutions using my stolen identity. I found out about this when one of the institutions, XXXX XXXX XXXX XXXX, sent me a notice of adverse action dated XX/XX/XXXX. I froze my credit with all 3 bureaus as well as with ChexSystems and requested my reports from each bureau. My ChexSystems report showed the XXXX XXXX XXXX XXXX XXXX as well as 3 others from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 

I contacted all 4 financial institutions to report the attempts to open accounts in my name as fraudulent. All 4 assured me no account had been opened. 

I submitted a police report with my local law enforcement agency, the XXXX Police Department ( XXXX ), on XXXX. XXXX has a self-submission tool for these reports, after which a copy of the case report is sent to the submitter. I have included a copy of the report as an attachment to this complaint. 

I then disputed the 4 inquiries with ChexSystems on XX/XX/XXXX, as they are the result of fraudulent activity related to identity theft. I uploaded a copy of the police report as part of that dispute. 

ChexSystems sent me a communication on XX/XX/XXXX stating that my police report would not be considered a valid document because it was not signed by a law enforcement officer. Note that my local law enforcement agency, XXXX, does not sign these self-submitted reports. 

ChexSystems sent me another communication on XX/XX/XXXX stating that they had completed the investigation of the inquiry with XXXX XXXX XXXX XXXX XXXX XXXX, and had not removed that inquiry from my report. They noted that " In order for ChexSystems to pursue a claim of identity theft, in accordance with the FCRA, please provide the following documentation that clearly supports your claim of identity theft or fraud related to the disputed information : an identity theft report signed by a law enforcement officer, or a police report filed with a law enforcement agency ''. I had provided a police report filed with a law enforcement agency - that's what they rejected in the XX/XX/XXXX communication. Note that there is no mention of the latter requiring a signature.
Product: Credit reporting or other personal consumer reports

My account with those accounts was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXX ], [ XXXX XXXX ], [ XXXX XXXX XXXXXXXX ], are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Sir/Mam : I`m a XXXX veteran. I`m XXXX I had a apartment fire which destroyed my apartment. XXXX XXXX move me to another apartment I tried to have my lights turn-on, but XXXX XXXX did a credit check they said I had a fraud alert. I sent equifax the information so they could identify me. They told me it would take 3 to 5 business days it`s been two weeks now they are telling me thirty days now. 


Thank, Thank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX  XXXX, Nc XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

My wallet was stolen which included my ID, My social security card, my medical car and other important information. I found out that my phone was spoofed to pass verification and I can provide that information as well. My identity has been compromised and used to obtain credit cards and debit cards in my name as well as phones. I would like this matter Reinvestigated, I have also filed another police report
Product: Money transfer, virtual currency, or money service

Have tried to close out PayPal account since XX/XX/2022 without success. Did close out the PayPal credit portion, but want to close entire account due to too many fraudulent invoices, phishing emails, etc.
Product: Debt collection

I have been getting a call daily, always around XXXX XXXX., from a company called XXXX according to caller ID. I XXXX it and it is a collection agency called XXXX XXXX. It is usually from ( XXXX ) XXXX, although they have used a couple difference numbers. The first time it rang I answered and a woman said something about a person whose name I did not recognize, although it sounded somewhat similar ( but not the same ) as one of my children. The woman wanted to speak to that person. I told her that I did n't know the person they were trying to contact and hung up. I do not answer the phone for them anymore even though they call daily. They do not leave a voice mail message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently experiencd fraud on my Citi master card and l called and explained my concerns pertaining to the fact that I'm uncertain who committed the fraud. Especially because the transaction occurred a few months ago but l was unaware of it until l received an email indicating l reserved a trip with XXXX XXXX but l didn't. 

I have called Citi card serveral times to get an up date due to my fraud issue and have been given the run around. Then l spoke to a representative today XX/XX/2018 whom l corrected twice when she called me a " MAN '' and l told her I'm a " WOMAN '' lm NOT A " MAN. '' This representative turns around again and called me a man and connected the call by telling the other specialist that lm a man and she proceeds to reference to me as a man as well, which l had to correct her and let her know that I'm a woman. 

I feel that gender discrimination has transpired against me with them continuously calling me a man when l corrected them various times that I'm a woman. UDAAP issues at this point. I need assistance from your company to investigate Citi for blatant discrimination.
Product: Debt collection

Original Creditor : XXXX XXXX XXXX XXXX Collection Agency : LVNV Funding LLC Two Different Amounts On My Credit Profile {$1200.00} - {$1200.00} " Inaccurate " Date Disputed : XX/XX/2018 Disputed Charges And Information As Well As Requesting Validation Of Debt " VOD " Requesting The Method Of Verification And Steps That Were Taking " Unverified " Resolution : XX/XX/2018 Per XXXX : I Quote  Account Information Disputed By Consumer ( Meets Requirements The Fair Credit Act )
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have a security freeze placed on my credit file. I have some issues with my information being used without my knowledge and consent. XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  OH XXXX is my current and only address, please remove/delete the following addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, OH XXXX
Product: Credit card or prepaid card

Something called " Pay over Time '' was added to my American Express Green Card. 

I did not know what this was, although I took advantage of it. I inquired about it but never heard back until several months later when I got the attached letter on XXXX XXXX, XXXX. 

The letter states that due to " technical error '' I was not sent a welcome letter and that " we've applied a 0 % APR for the life of the balance to any charges that were added to your Pay Over Time select feature balance before XX/XX/XXXX. '' Simply put, this was not done. 

I have called American Express three times to resolve this issue, however, each time they stated they would get back to me within a short period of time only to have this period pass. I was informed at one point this would apply only to new charges, which is not what the letter indicates. 

On my third call, one representative queried me about the real source of the letter. I read it to her and she concurred it was authentic, promised to get back to me, but I have not heard from American Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was fraudulently opened in my name in XXXX at Bank Of America sometime several years ago. I however I live in XXXX and did not open this account.In fact at the time the account was opened Bank Of America did not even have a retail branch in Minnesota. 
I have been trying to resolve this with Bank of America directly. A claim was Filed on XXXX XXXX. 
Since the filing of the claim I have had the following contact : XXXX XXXX -- XXXX XXXX XXXX -- -XXXX XXXX XXXX -- Ms XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX people XX/XX/XXXX -- Multiple people Each of the contacts indicated that the issue will be resolved. Its been 4 months and this is affecting my ability to open a joint account with my husband and affects my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sent me dispute results and a credit report. The results from the dispute are inaccurate. The dates on the dispute results and on the credit report are not the same. The representative on the phone provided me with different dates as well. The negative items should have been removed from my credit report by law. Experian representatives are placing the blame on the companies, stating that the companies are reporting the information inaccurately.  (    XXXX   XXXX   and   XXXX   XXXX   XXXX    ) If experian just monitored the information reported, they would clearly see that the dates   reported have changed. This is  Fraud.
Product: Credit card or prepaid card

I applied online for the Bank of America XXXX XXXX Signature Visa and all of the benefits that come with that specific card. I was instead automatically approved for an XXXX XXXX Visa  Platinum plus card with a different annual fee and none of the benefits. Thinking this was a mistake, I applied again for the XXXX Visa Signature Card and the application went pending. I called BofA to see what was going on and they said they could approve me for the Visa Plat if i chose to. I chose not to but asked to have someone else look at my application for the Visa Signature card. He they asked if I consented to have my application reconsidered and i said yes. He then approved me for the other card, a Visa Platinum and claimed that I had never applied for the Visa Signature. I was escalated to a supervisor and she claimed my XXXX credit score and XXXX  income did not qualify me for the Visa  Signature and they decided to automatically approve me for a card that was not marketed at all on their application page. BAIT AND SWITCH. This is very deceptive. Definitely a UDAAP issue. I did some research online and there are HUNDREDS of other people who have complained about this same deceptive marketing practice. If you look at the link below, you will see advertising for ONLY the Visa Signature card and not the inferior yet still expensive Visa Platinum. There is no mention of the Platinum benefits or fees because they are inferior and nobody would apply knowing that they could be approved for the inferior card.
<P/> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I never wanted the XXXX XXXX XXXX Platinum with a {$50.00} annual fee and sub-par benefits . Nor did I apply for it. Yet somehow I was approved for TWO of  them. I closed them but do not want them reported on my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion stated XXXX XXXX XXXX XXXX XXXX, XXXX XXXX xxxxxxxx XXXX, XXXX XXXX XXXX XXXX Credit Card account # XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last activity is inaccurate, and the date last reported is not accurate, high balance inaccurate, last verified inaccurate, closed date inaccurate. This is grounds for removal. THE FCRA LAW STATE EVERYTHING HAS TO BE 100 % ACCURATE OR THE ACCOUNT HAS TO BE REMOVED. TRANSUNION HAS NOT CONDUCTED A PROPER INVESTIGATION BECAUSE THERE ARE INACCURATE ACCOUNTS ON MY CREDIT REPORT. TransUnion ( PERSON ) has violated MY CONSUMER RIGHTS UNDER 15 U.S. Code 1681b ( a ) ( 2 ). I the consumer never gave my written permission to TransUnion the person to furnish anything on my consumer report. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. TRANSUNION HAS ALSO NOT FURNISHED THE ACCOUNTS ACCURATELY ACCORDING TO METRO 2 COMPLIANCE STANDARDS. SEE ATTACHED LETTER.
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX, i notified Upgrade of the natural disaster which was hurricane Florence which devastated my area. We are located in a declared natural disaster still. They told me i would allowed two deferrments or extensions that would help me get back on my feet until the end of XXXX. It is now XX/XX/XXXX and i am about to close on a home equity line of credit which was not only to get myself and my family back on my feet, but also to pay Upgrade off. They never gave me an extension and now on my three credit bureaus it is showing i am 60 days late on my account which is not only enabling me on closing on my home equity line of credit, everything they have told me concerning the the extension unitl XXXX was a lie and deceptive to me which is now putting me in a position to either have to file bankruptcy or hire a debt settlement bank to help me settle for pennys on the dollar. All because of Upgrade 's deceptive tactics. I have tried numerous time to speak with a supervisor and not one time have they emailed me or called to address the matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of a collection account reported on my credit reports, associated with a XXXX XXXX account allegedly opened on or around XX/XX/XXXX, XXXXThis incident was discovered approx. XX/XX/XXXX. I wish to bring to your attention that I have been a victim of identity theft, which has resulted in this fraudulent account being attributed to me. I have never been a XXXX XXXX customer, nor did I authorize the creation of this account or incur any related debts.

As part of my dispute, I would like to note that I was among the
individuals affected by the XXXX data breach in XXXX, which compromised my personal and financial information. This breach has left me vulnerable to identity theft, leading to fraudulent accounts being opened without my knowledge or consent. To resolve this matter, I requested XXXX  to provide the following documentation within 30 days : 1. A copy of the contract bearing my signature for the account in question. 2. Any documentation or records demonstrating payments made by me toward the alleged account. 3. Detailed proof of the verification process used to validate the debt, including the data utilized during account creation. To date, XXXX has failed to provide any of the requested information or respond to my inquiry. Furthermore, Transunion and XXXX refuse to remove this entry even after XXXX has failed to verify debt in accordance with the FCRA. This situation has caused significant distress and harm to my credit profile. I respectfully request that the Consumer Financial Protection Bureau investigates this matter and takes appropriate action to ensure the removal of this erroneous account from my credit reports.
Product: Debt collection

Debt Collectors are attempting to steal my home after the debt has been discharged lawfully in a Chapter XXXX bankruptcy. Discharge paperwork lists mortgage as fully discharged. Interlopers are trying to force me out of my home with threatening unsigned letters. I have made numerous requests for the full account loan data which have been ignored. I have also sent FDCPA Validation Letters that have been ignored.
Product: Debt collection

I declare under penalty of perjury ( im in the law of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge.Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful miss statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these miss statements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization-Use my personal identifier information to apply for goods, services, or money, and was successful in creating some accounts.All is being investigated by the FTC!
Product: Credit reporting or other personal consumer reports

I called XXXX as well as Experian to dispute a number of hard enquiries that I did not authorize and have no knowledge of. I was told on two seperate occasions that the enquries would be removed and that I would receive email notification of the deletions. Nothing has happened as of yet. I informed them both that I was actually in XXXX at the time of most of these enquiries. I recently lost all personal documents in a house fire, so exact dates of these calls can not be given.
Product: Mortgage

I would like a full-review of the process of the home loan with Rocket Mortgage, has let my husband commit a crime. The company has aloud XXXX XXXX XXXX XXXX to get money out of the home loan, State of Texas, if you are married the wife needs to sign off on the loan. At no time did I give my husband or Rocket Mortaage to change the term and condition on the home loan. 
The Mortgage company dis a wire fraud to carry out the scam to impersonate me as the person who was signing off on the loan. 
XXXX XXXX is steal married to XXXX XXXX. Therefore, when the court grant the power that XXXX and XXXX is no longer married then nothing should be done on the account. Rocket Mortgage needs to provide documentation that XXXX XXXX is no longer the rider on the deed. They need to proof that she is no longer married to XXXX XXXX XXXX. 
If they can not provide this documentation that we have a right to take legal actions against the company Mortgage wire fraud is carried out by scammers who impersonate escrow officers, real estate agents or the lender. In this scheme, they attempt to get the prospective homeowner to wire funds into an illegitimate account for financial gain during the closing process. These sophisticated mortgage scams often include crime organizations and untraceable but this time the company was helping to scam XXXX XXXX
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 highly yield interest savings accounts capital one misrepresented the 360 savings accounts as having one of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 Performance Saving Account.This deliberate obscenity 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 Saving Act. I seek redress for misleading practices and failure to fulfill their advertised promises
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX RE : Unauthorized and Fraudulent Inquiries To Whom It May Concern, I am writing to inform you that you are unlawfully reporting fraudulent inquiries on my consumer report that I did not initiate, as required by law. 
Under 15 U.S.C. 1681b ( c ), a consumer reporting agency shall not furnish a record of inquiry in connection with a credit or insurance transaction not initiated by a consumer, except as provided in 15 U.S.C. 1681c. 
The following inquiries are a result of identity theft and were not initiated by me. I demand that they be deleted immediately : Equifax Hard Inquiries FTC Complaint Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My identity has been stolen, and I am hereby putting you on notice. 
Under 18 U.S.C. 1028 ( a ) ( XXXX ), a person who knowingly transfers possesses, or uses, without lawful authority, a means of identification of another person shall be sentenced to a term of imprisonment of two years. My identity has been used without my permission to open several accounts that have damaged my reputation and my ability to live my life. 
Furthermore, you, [ Credit Reporting Agency Name ], have committed fraud by not verifying these accounts. As stated in 15 U.S.C. 1681b ( b ) ( 1 ), a consumer reporting agency may furnish a consumer report only by the written instructions of the consumer to whom it relates. 
15 U.S.C. 1681 emphasizes the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' rights to privacy. The information you are reporting is inaccurate and has been obtained through identity theft. 
I request that you immediately investigate these unauthorized inquiries and remove them from my consumer report. I also request that you take steps to prevent future unauthorized access to my personal information. 

Sincerely, XXXX XXXX