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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$390.00} ; XXXX XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX  Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$8900.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have a year tried to remove this car loans from my credit report my ex-wife do this without my permission I send every team that credit view need and their don't remove this account that identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 unauthorized hard inquiries on my credit and I would like them removed. 

Dates are XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you because, I sent the 3 bureaus numerous letters about fraudulent and inaccurate information on my credit report and also asked them to show me how they verified this information was true, being that I already told them its not mines, and till this day I still have not received a response from them. I never opened a XXXX account in my name and that is on my report. Also, I never authorized any furnishers to report on my credit and they can not prove that I did. So its taken them more than 2 months to respond to me and I never authorized them to put anything on my account and these fraudulent accounts and late payments need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, Chapter XXXX Bankruptcy Reference # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

Capital One is sending me mail at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX I have contacted Capital One about this and they refuse to correct the city/state part. It is only luck and the quality of our federal postal service that I have received any mail from Capital One. There is no XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX CO. In fact there is no XXXX zip code anywhere in Colorado. Check with the post office. There is me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, IA XXXX. Can you please force Capital One to correct the city and state part of my address? Capital One customer service is so bad it should be illegal. They say they will fix it if I supply them my cellphone number. I do not own a cellphone. Capital One practices blatant discrimination against people who can not afford a cellphone and modern technology, namely the XXXX  ( which I am ) and minorities. Thank you.
Product: Money transfer, virtual currency, or money service

I have a restaurant called XXXX XXXX XXXX XXXX XXXX The processing company we had was Square Inc. Everything was fine and suddenly they froze my account with {$2700.00} in the fund and they didn't give me a response, why did they do that? They only told me that in 90 days the funds would be released and it's been 5 months and they haven't given me an answer for anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In According with the fair credit Credit Reporting Act XXXX  Acct has been violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy 15 U.S.C 1681 Section 604 Sec 32 : It also states a consumer reporting agency can not furnish a account without my written instructions I am names on my credit report that are not correct, there are several different names that are on my crest report that are incorrect
Product: Checking or savings account

PNC closed my business, personal and my wife personal account without providing any specific reason. I have been banking with BBVA for XXXX years later acquired by PNC XXXX I need help to know the reason why they are closing my account when I have relationship with them for so many years. Please help.
Product: Payday loan, title loan, or personal loan

I have an installment loan with ACE cash. I went on loan to pay more than my upcoming payment. I had done this in the past without issue. The online payment page tells you to cancel your upcoming payment, to make a higher payment. Then refuses to allow you to do so. I called to make the payment but was not allowed to, however could pay the loan in full. When I called to do that a few days later my pay off amount went from XXXX to XXXX. Ace has made it next to impossible for me to pay this loan. When I asked for the corporate number they refused to give it to me. I am so upset by this company! It seems as though they want to make it hard for you to pay, so they can charge extra fees and interest. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureau to remove the inaccurate addresses that are on my credit report because they are not mine. I do not receive any mail from the postal service at these addresses and this is in violation of my rights. Please remove the listed addresses. 

Prepared For XXXX XXXX Report Number XXXX Date Generated XX/XX/2022 Disputing personal information XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was issued a credit card application from Capitol One, I filled out the form and was granted the card. After opening the card, I changed addresses. 

At this point Capitol One called me and said they needed some additional information from me, after the card had been issued and I had begun using it. 

They said there were some " Issues '' they need to make sure were worked out, and refused to elaborate. 

I was given a fax number to send proof of my address and identity to, at XXXX of their departments. 

After faxing them the information XXXX times, from a XXXX, this department claimed they could not read the information on the fax. 

I confirmed there was indeed no issue with the fax machine being used, and deduced the problem was on the end of Capitol One. 

After faxing from a different fax machine the documents, they still said they could n't read them. 

Having no choice I asked if I could email the files, and they said they did n't have that option. 

I began calling different departments at Capitol One to find out what the problem was, and was basically told they suspected the card had been opened illegally. 

I said, let me just pay the balance on the card and be done with it. 

They said I could n't do that, because they had to verify who would be paying. 

As I was unable to prove my identity to them through their department 's incompetence, I left it out of mind briefly and Capitol One immediately sent the account to a collections agency. 

This agency never contacted me, and I found out about it only though pulling my credit report. 

Capitol One made it impossible for me to pay my own credit card balance and impossible to resolve whatever suspicions they had about my own identity on their end.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Product: Money transfer, virtual currency, or money service

We were victims of wire fraud- the real estate agency that we were working with emails were hacked and my husband deposited {$350000.00} into The Regions Bank based in XXXX XXXX AL in an account on XX/XX/2023 the wire was supposed to be sent to Title Agency and had the title agency name and our name. 
The Regions Bank accepted this wire in the account with a different person name ( knowing it was not the title agency ). 
We have tried numerous times to recover this money and they refuse- even though they know it was done due to fraud. 
We want to report The Regions Bank for failing to respond/ refund fraudulent money. 
We know the money is still in the account- we have talked to a nice teller lady. 
The longer this goes on- we will not get our {$350000.00} back which is most of my life savings! 
I need someone to please help us. 

My name is XXXX XXXX and my phone is ( XXXX ) XXXX and my email is XXXX. 
I need assistance in recovering my money Thank you for your time Sincerely XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SLS admitted 1n 2 separate correspondences that my payments are current ( XX/XX/XXXX and XX/XX/XXXX). The process to get them to admit their error has taken one year. On XX/XX/XXXX I  received my credit report and a delinquent status was noted for SLS, which is not true given the documentation received by SLS and the Colorado Attorney General. 

During XX/XX/XXXX, I have had to enlist the assistance of the GA Attorney Generals ' office ( # XXXX ) and CO Attorney Generals ' office along with cfpb ( case # 's XXXX, XXXX ). On XXXX/XXXX/XXXX I uploaded statements from SLS to XXXX disputing the delinquency. XXXX  stated they could not change the information without confirmation. 

I am demanding, because one year of errors is too much and should be reported to Regulators, that SLS update my credit report ( s ) to match the information provided in their letters on XX/XX/XXXX and XX/XX/XXXX.
Product: Vehicle loan or lease

My XXXX car payment is due on XX/XX/XXXX. I went into a local bank branch on XX/XX/XXXX and made a payment of XXXX which was specified by the teller for my XXXX car payment. I asked the teller if this was the total amount due she double checked, and stated yes. I gave her the payment and left the branch. I later noticed that on my credit report I have a 30 day late payment reporting for my car payment for the month of XXXX which is incorrect because the payment was not 30 days late. I went to the branch and they stated that the teller applied the XXXX payment incorrectly on the date that I made it at the branch and that this was a bank error. They stated that they would enter a request to have my credit file updated, but for some reason it keeps getting denied because they do not have proof of this Bank error. It is noted that when I went into the branch to make the payment that I specified that I only wanted to make my monthly payment for the month of XXXX, how the teller applied the payment was not what I requested. Truist finally tells me that it will be updated but did not tell me when. I feel since Ive had to wait for 5 months to update a error the bank made that this shouldve been corrected immediately. I should not have to wait XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report to this day it has I have not received a response yet. I feel like Im being taken advantage of and being ignored concerning my disputes. Section611 ( a ), clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has surpassed that time frame at this point so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and emotional trauma caused to me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person, as I have received notifications from my credit monitoring service that my personal information has been found on the dark web
Product: Credit card or prepaid card

American Express credit card annual fee for me renews every XXXX. In XXXX of XXXX they offered XXXX of their points to renew. In XXXX they had not added it so after contacting them again they corrected their mistake and added them. In summer of XXXX they increased their annual fee and when I went to close my account a year later in XXXX of XXXX they are preventing me for the earlier reason. They are saying there is a XXXX dollar charge to close the account within 12 months even though their offer for the retention was made in XXXX this 14 months. American Express will only allow me to pay XXXX dollars to stay or XXXX to close my account even though I have held my end of the 12 months and they raised the fee nearly XXXX dollars a year.
Product: Vehicle loan or lease

This company has delayed posting of payments since the account was originally opened. Failed to apply payments to the account immediately upon receipt. Held payments beyond receive date. Failed to correct and update payment history. Charged extra interest and late fees that should not have been accrued. Requested a breakdown of daily interest, daily per dium and payment history and was hung up on. The remaining balance is incorrect. This company has been called more than 30 times to request these issues get resolved. They refuse to assist. They refuse to resolve these issues! They refuse to credit the account appropriately. All calls made to the company have been recorded for quality assurance purposes. I am requesting that this loan is updated to all major credit agencies as closed, paid in full, never late. I am requesting that the vehicle title is mailed to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was unauthorized usage of applications and fraud inquiries appeared on my XXXX credit report.
Product: Credit reporting or other personal consumer reports

Hello My Name Is XXXX XXXX XXXX I sent out several letters. I told the credit bureaus to investigate every piece of information on the account I have listed below. its A credit card that Dont Belong To Me Its Many People With Same Name As me So Its got ta be a mix up however I did some investigating and the account does not belong to me wrong name my name Has XXXX  on it Heres the account number Account Name - XXXX  XXXX Open date - XXXX Account name XXXX  XXXX Open date XXXX According to the FCRA the term investigate consumer report means a consumer or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do proper investigation according to the law. 
Also every piece of information on this account is not reporting 100 % Accurate. 
According to FRCA 15 USC 1681 Everything has to be 100 % accurate Please remove This Account Wrong opening date I will be forced to seek legal representation to protect my rights. Should I take legal action become necessary, the following costs will be incurred : 1. Attorney 's Fees : Approximately {$3000.00} to {$5000.00} for legal services.

2. Court Costs : Estimated at {$500.00} to {$1000.00} 3. Potential Damages : Depending on the severity of the impact on my credit, damages may range from {$10000.00} to XXXX Im looking for this company to reinvestigate this account because it does not belong to me also remove from my credit file delete out they system because this my third time asking them to remove it does not belong to me Im bout to take legal action at this point I need to know who verified this account also send me copy showing they deleted out they system
Product: Prepaid card

I received two American Express gift cards worth {$200.00} and {$100.00}, respectively. The cards can not be used to make online purchases at XXXX or other general retail stores. Each time I try to use the cards, the payment method is declined, even after following the instructions provided on American Express ' website.
Product: Credit reporting or other personal consumer reports

American Express has been retaliating against me since Ive made a complaint with CFPB. They are now reporting all my payments late when Im currently enrolled into their relief program due to a death and job lost they have harassed me and has been causing a huge amount of stress in my life. They harassed me when I told them I was out of work and was dealing with a death these people are evil and are going against the law. My payments are in AUTOPAY. ALL OF MY PAYMENTS ARE ON TIME In accordance with the Fair Credit Reporting Act American Express account ending in XXXX has violated my rights. 15 USC 1681 Section 602 : states I have rights to privacy 15 USC 1681 Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without my instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presung that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists
Product: Checking or savings account

I filed a claim with Wells Fargo concerning an unauthorized check deposited to my account from a location where I was nowhere near. Money was withdrawn from that account in the amounts of {$2000.00} and {$500.00} on XXXX. I called Wells Fargo to report this and I received a resolution on a claim about the deposited check but not about the 2 transactions mentioned above. They have now closed the account and I have tried to find out more information from customer service but they refuse to help me without a reference number that I did not receive in the mail.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect address remain listed : This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

This was a total loss case on a XXXX 2020 XXXX. I called the XXXX  agent and they stated that the claim had already been received by bank. The loss claims send a letter that was never received by me. But never try to contact since I didn't respond. The letter was not certified which would have to be signed for which is unusual. The XXXX was released to state through a power of attorney for vehicles. They paid {$32000.00} and they received the maintenance plan refund {$170.00} and the extended warranty refund {$3300.00}. They put a late payment on my credit report for payment but I never received the correspondence from the bank. If I have to take them to court I will. They never gave me to address the issue. I also contacted XXXX  to send the documents they needed. If I need there was a issue l would have addressed it.
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 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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.
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 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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.