23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX I called in an attempt to resolve the past due balance of my credit card. I am going through a divorce and did not have access to my physical mail and or the account login information as my ex-wife had possession and I had moved. I explained all of this to the representative and she helped get the contact information correct. 

Since I was going to have to rebuild my credit, I asked if there was any way to get the account re-opened. She stated that if I paid the past due balance of {$210.00}, the account would be re-opened and they could mail me a new card at my new address. 

I made the payment of {$210.00} on XX/XX/year>. I logged into the mobile app on XX/XX/year> and it showed the account as being closed. Previously, it had just shown as past due. 

I called Capitol One 's customer service to see what was wrong. I spoke with a XXXX and explained the situation. He stated that he did not know why the representative would have told me that as the account was closed and could not be reopened. I told him that I believed this would definitely be a deceptive practice. I would have taken other steps if I knew the account could not be reopened as I trying to get everything financially back on track. He agreed and said he understood. But there was nothing he could do. I asked to speak with a supervisor. 

After being on hold for approximately XXXX minutes, I spoke with XXXX. She also said that they would not reopen the account even though that is what I was told. She stated she could see other notes and actions done on XX/XX/year> from where I spoke with the representative. I again stated that I was deceived and paid the {$210.00} in order to put my account back in good status. She also refused to help in any way. I asked for her ID, she gave me XXXX. I advised I would be filing a complaint with the CFPC as well as the Kansas State Attorney General.

In summary, I was promised that if I paid the past due balance by XX/XX/year>, my account would be put back in good standing and I would be issued a new card. I did not want the old card to still be active as it is not in my possession.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX  XXXX Account Number XXXX Account Name XXXX  XXXX XXXX Account Number XXXXV Account Name XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$50.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$440000.00} XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$700.00} - tied up XXXX  XXXX XXXX Balance : {$630.00} - tied up XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$840.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im submitting this complaint against Experian, XXXX, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA, since XX/XX/2022 to present. I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from the credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/XXXX I used a referral link to sign up for a Chase Freedom credit card and I got approved. The referrer gets {$100.00} bonus and the referee gets {$150.00} bonus if spending {$500.00} within the first 3 months. The referrer confirmed receiving the {$100.00} ( XXXX points ). I spent {$500.00} within the first 3 months which can be confirmed with statements, but the {$150.00} ( XXXX points ) was not given on my account. I called on XX/XX/XXXX, Chase account supervisor in XXXX, MO call center stated they no longer have record of the promotion that I used to sign up. This is unacceptable for a bank to not have this type of record that is less than 1 year and 8 months old. I have a screenshot and link that I used confirm the {$150.00} bonus, if spending {$500.00} within the first 3 months. Chase denied my earned {$150.00} bonus and could be depriving other customers of their earned bonuses too.
Product: Checking or savings account

On XX/XX/year>, I received a XXXX transfer of {$1000.00} and Capital One sent me an email stating that my account is now restricted. I called customer service and they said they need to verify the transaction from the sender and asked that I provide his phone number or else my account will be closed. She also asked a lot of questions like why I opened an account with Capital One and what was the purpose of the funds which were strange questions but I answered all the questions. 

I got his phone number and called back. The agent I spoke with said he tried calling and the sender was not picking up and asked that I reach out so they know a good time to call. I reached out to the sender to let him know Capital One was trying to reach him. I called customer service again and the agent was able to call the sender. She verified that he sent the money, came back to me to let me know she spoke with him and verified he sent the money but my account will still be restricted and closed while they conduct their investigation. I asked how I could access the funds in the account and she said after the investigation is complete, I will get a check in the mail. I asked how long the investigation would take and she said there was no timeline and hung up. 

I called back and spoke with another agent that said the same thing. The banking relationship has ended, it does not matter that they have confirmed the funds, they will do an investigation and only the good funds will be sent to me. I asked why she meant my good funds and she could not explain, just said it will be based on the investigation. She then said I can go to a branch to withdraw if I didnt want to wait for the check. 

On the same day, XX/XX/year> went to the Capital One branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX l, presented my identity card and spoke with someone in the customer service who spoke to someone on the phone and told me that the person that said to come to the branch was wrong. I should wait for the check in the mail after their investigation. Again I asked for timeline and she said there was no timeline. I called the sender of the money and put him on speaker phone and asked her to explain to him. She said the same thing - my account has been restricted and they are conducting and investigation and XXXX not have access to the funds until the investigation is complete and there is no timeline
Product: Credit reporting, credit repair services, or other personal consumer reports

hey, I'm complaining because sometime last year somebody has stole my information, my identity. They try opening credit cards under my name. I reported all my cards I closed on my cards and I paid off my credit card that I had that I had open. I'm getting hard inquiries on my credit report that and I want them removed.

[ 15 U.S.C. 1681 et seq
Product: Credit reporting or other personal consumer reports

REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES. 
XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XXXX I checked my so-called credit score and fount that 11 XXXX XXXX  has put fraudulent information about me a consumer supposedly owing them a debt in the amount of {$260.00} I am not sure as of why buy under 15 USC and 15 USC 1692i ect ect this is unlawful and as me being the consumer I want this fraudulent information off of my so-called credit report and I am seeking monetary relief. Ive never given this corporation any permission to share any of my personal information with anyone or any third party.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts from my credit file, as I am a victim of a data breach. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The accounts that need to be blocked and deleted are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

Recently we reviewed our credit reports, and have noticed that there is an account that is still currently being reported on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a joint account with my son XXXX XXXX XXXX XXXX This account is listed on our credit reports unlawfully. On XX/XX/2022 we petitioned XXXX XXXX XXXX Apartments in court. This account went through litigations. The judge dismissed this account. Please remove this account from our credit reports. 
I have enclosed the following documents from XXXX XXXX XXXX XXXX stating the results of the petition. I have made numerous disputes about this account, and it has not been resolved.
Product: Mortgage

I was doing some phone shopping for the best refinance rate I could obtain. In preparation for my refinance, I had paid down/off credit cards in order to boost my FICO higher. Several lenders were able to give me a 'good faith estimate ' based on what I communicated my personal information to be ( i.e. FICO, income, DTI ratio, etc. ). One of the lenders I was talking with was Cardinal Financial. I was just about to formally proceed with another lender, when it was brought to my attention that Cardinal Financial had actually pulled my credit ( via XXXX )! At no time did I authorize either verbally or in writing, consent for them to pull my credit. Their illegal pull of my credit caused my XXXX to go down, added an inquiry to my credit report, and ultimately caused me to postpone my refinance. This was back in XX/XX/XXXX. They are 'trying ' to remove the inquiry from my credit, however, it has not been done to date. Rates have increased, so I will not be able to obtain the rate that I was going to lock in last month. By refinancing, I was going to reduce my rate and eliminate mortgage insurance which would have reduced my monthly payment as well as significant reduce the amount I paid over the life of the loan. Cardinal has apologized for 'the stress and frustration ' they have caused. What they did was unlawful and has caused me financial harm. There are regulatory requirements that lenders MUST follow, and obtaining a potential borrowers authorization to pull credit is one of them. I feel some type of restitution is warranted. 
Businesses need be penalized when they fail to follow state, federal, or regulatory laws.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX XXXX XXXX  XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX  XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX XXXXXXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Product: Debt collection

Portfolio recovery has bought a debt from XXXX XXXX XXXX, in which the original creditor was XXXX XXXX. I paid the balance to XXXX XXXX XXXX. I currently have an open and good standing account with XXXX  XXXX that was opened in XX/XX/2018. Portfolio recovery is trying to collect on a debt in which I already paid. I have tried to dispute this with the credit bureaus and has had no success. Portfolio recovery has harassed me by calling my cell phone constantly and sending me mail!
Product: Checking or savings account

USAA closed my savings and checking account on XX/XX/2021. I called 4 times asking why the accounts were being closed and all I was told was it was a management decision and I could not be told why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. MY INFORMATION WAS COMPROMISED DUE TO THE 2917 DATA BREACH CAUSED BY EQUIFAX. I HAVE UPLOADED THE REQUIRED DOCUMENTS REQUIRED TO BLOCK THE FRAUDULENT ACCOUNTS FROM BEING REPORTED MY CONSUMER REPORTS.
Product: Credit reporting or other personal consumer reports

Despite numerous written requests, the unconfirmed accounts listed below persist on my credit report, which is a breach of federal law. The Transunion Credit Bureau has not adhered to the Fair Credit Reporting Act, 15 U.S. Code 1681i within the legally mandated timeframe. They have continued to report unverified information despite my efforts to resolve this directly with the creditor. This can be seen as deliberate negligence and non-compliance with federal regulations. I kindly request the immediate removal of the following accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have had my federally protected consumer rights violated by TRANSUNION on numerous occasions. According to to 15 U.S. Code 1681b - permissable purposes, nothing should be furnished on my credit report without my written consent, I have compiled and EXHIBIT to show the violations done to my credit report and have attached an invoice for the actual damages done. TRANSUNION has violated 15 U.S. Code 1692e as well, by using false and misleading characters and statements. I have not been able to extend credit or qualify for a loan. They have caused me financial harm willfully and negligently. I have also included XXXX notarized affidavits, one which is an affidavit of truth I have sent in the past. By law if the affidavit of truth has not been rebutted line by line then it stands as truth, so why are these negative accounts still on my credit report? Provide my signature in wet, blue ink, signed by my hand as stated in the affidavit of demand for verification ACCOUNTS : XXXX - {$7900.00} XXXX XXXX XXXX - {$9000.00} XXXX - {$6300.00}
Product: Credit reporting or other personal consumer reports

I have been dealing with identity theft that started picking up quickly in XX/XX/2023. 
Since then. I have repeatedly reached out to Transunion to freeze my credit. The thief is able to reset my online account and unfreeze my credit by using the option to reset by answering security questions, which can easily be answered using my credit report. 

I have reached out to Transunion numerous times, speaking with numerous departments, asking them to take away the option to unfreeze my credit online. Each time I have been met with resistance or the inability to do anything - one supervisor even offered to add a security phrase to my account and said this would be required to unfreeze my credit, but two agents since have confirmed that nothing was added and refuse to offer any additional help.
Product: Credit reporting or other personal consumer reports

General Motors- GS Bank  XXXX I am writing to formally notify you of a discrepancy in my credit report concerning a late transaction dated XX/XX/year>, which appears to contravene the stipulations of 15 USC 1681a ( a ) ( XXXX ) ( A ) ( i ). This law explicitly excludes certain consumer transactions and experiences from being reported in consumer reports and this is not a personal account. As this entry may adversely affect my financial standing, I request an immediate investigation into this matter and, if warranted, the removal of this entry from any and all consumer reports. Please find attached all pertinent documents and correspondence related to this issue. Please confirm receipt of this letter and inform me about the steps you will take to address this discrepancy and provide evidence/ steps via mail certified! I expect a response within 15 days as mandated by law. Thank you for your cooperation and understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed multiple inaccurate and unknown accounts on my credit report which never got deleted after this company 's questionable investigation. I am providing clear evidence these accounts are inaccurate and must be removed according to the FCRA. I am very frustrated these accounts didn't get deleted the first time so I am attaching clear proof of the inconsistent information. I am filing a complaint with you guys to make sure that they follow the law and remove these inaccurate accounts. I will not accept a computer generated response. I demand these accounts be removed or I will file for litigation. This is hurting my name. 

The following accounts are : XXXX. XXXX Acct # : XXXX This account is not mine and it clearly says purchased by another lender which is illegal. Remove ASAP XXXX. XXXX XXXX XXXX Acct # : XXXX This account is not mine. It says that it meets FCRA requirements but I am attaching proof that it clearly doesn't. It is not reporting 100 % accurate information. 

XXXX. XXXX XXXX Acct # : XXXX This account is not meeting FCRA requirements and must be removed according to law. 

XXXX. XXXX XXXX Acct # : XXXX Please remove this inaccurate account from my report.