23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX or XXXX I got an alert from XXXX XXXX that I owed {$6500.00} to Comenity Bank. I called to see what happened thats when I was told a credit card in my name for XXXX was opened and charged for a XXXX. I have never received any cosmetic procedure other than a XXXX XXXX in XXXX that my insurance covered medically, and a XXXX XXXX XXXX XXXX in XXXX of XXXX that I paid for in full. I have been disputing this account every since I gained knowledge of it being opened. They didnt have my correct address on file, someone used an OLD ID of mine that was stolen and I provided a police report to confirm everything! I have never been to XXXX. I am a XXXX XXXX of XXXX, unemployed, and could never afford a {$6500.00} XXXX! I can submit photos of my body XXXX to futher show proof! Please remove this out of my name! I have been fighting to get this removed for years! I only have 3 credit cards under comenity!! Victoria Secret, XXXX, and Childrens Place and I pay those faithfully every month even with applying for hardship I still make the payments! You can compare my ID to the one the company sent it doesnt match!!! You all didnt have my correct information until I called to provide it so that further states my claim of this isnt me who did this!!!
Product: Credit reporting or other personal consumer reports

I just saw some unauthorized inquiries on my credit report today, which I dont understand. While checking my report as usual, I found these discrepancies, and even after refreshing my browser, they didnt go away. I am very upset about this and demand a detailed review of the documents I provided to prevent future worries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted certified letters to XXXX XXXX, and Experian advising I've noticed violations under 15 us code 1681 and 15 us code 1681b ( FCRA ). The following accounts were inaccurate. I have not received any correspondence that the investigation has been completed or documents with signature.
Product: Credit reporting

Equifax keeps giving me a new confirmation number, and staring the process all over to correct my credit report of errors. They can not process some changes online and want copies of social security cards, drivers license etc. either by fax or mail. I.m not comfortable with that process. 
Also their interpretation of how long your information need to be on your credit report is different than their competitors. I believe they are wrong I do I correct that.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




US BKPT CT NJ XXXXXXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Since I purchased my vehicle through dealer financing, I had found that I could not get through the online services to pay my bill. 
I managed to get ahold of someone on XX/XX/XXXX and pay my balance in full. They walked me through setting up autopay and I was verbally told that the account was up to date and was fully paid. I had been misled and the autopay had not been set up. 

In XXXX I received a notice stating that repossession had been initiated on my vehicle. When I attempted to log on to see what the problem was I found that I could not and I had received no correspondence from them. It was not until I talked to a debt collector that I found out that Chase had frozen my online account, actively preventing me from paying my bill. I paid my bill in full to the collector that they gave me a number to call and pay over the phone. 

Despite having the means and willingness to pay my loan on time, Chase actively pushed policies preventing me from paying my loan and attempted to reposess my vehicle.
Product: Debt collection

On XX/XX/XXXX XXXX EST in the morning I was called by Chase credit card services about the c debt I owed towards my credit card. The balance is around $ XXXX with the Minimum payment around XXXX Dollar and the account is closed. 

As a debt collect from Chase bank was attempting to collect my debt, I was ready to give a small amount that I could try to spare but before that they had told me that I could get my account reset after the conversation that I had with them about it being closed. They indicated that I could get it reinstated after paying XXXX dollars before Friday of XX/XX/XXXX. ( Chase has this call recorded ). I knew that these type of deals don't come all the time so I took that offer and put aside what I needed to in order to get this nice deal they were offering me. 

I then went forward with paying her the XXXX for XX/XX/XXXX. I then scheduled the other XXXX on XX/XX/XXXX cause I was able to get by avoiding my priorities. I then called to make sure it was good to go after the schedule payment goes through. Talking to 3 representative all telling me that it's impossible to re-open a closed account and told me that the representative basically lied to me then proceed to tell me sorry and that's it. I got extremely upset not just because that representative had deceived me or mislead me in me thinking " just to get me to pay a large sum off '' but me avoiding my priority in order to get this deal from them.
Product: Credit reporting, credit repair services, 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 XXXXXXXX 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 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: Debt collection

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I would like to move forward with litigation against XXXX, EXPERIAN XXXX XXXX. I have requested investigation under FCRA 611 ( a ) to all three Bureaus in reference to XXXX XXXX XXXX  -Account Number XXXX ; XXXX XXXX- No Account Number Noted. I have asked EXPERIAN, XXXX, XXXX not to update or verify these fraudulent accounts without doing a due diligence investigation. I have requested to be provided with a WET SIGNATURE and physical documentation to support the information that is being reported and they have FAILED to do so. They have also FAILED TO BLOCK IDENTITY THEFT RELATED INFORMATION.TransUnion reported that they CANT locate a credit profile but they are still reporting FRAUDULENT accounts on my credit profile they are lying and reporting inaccurate information on my report. XXXX is also still showing an Account for XXXX XXXX XXXX XXXXAccount Number XXXX IN WHICH THE CREDITOR PROVIDED PROOF THROUGH THE CFPB THAT THEY SENT RECEIPT TO ALL THREE BUREAUS TO DELETE THE TRADE-LINE AND THEY ARE STILL REPORTING THIS INACCURATE INFORMATION. I KEEP PROVIDING MY DRIVERS LICENSE, UTILITY BILL AND IDENTITY THEFT REPORT, WHICH IS THROUGH FTC ( FEDERAL TRADE COMMISSION ) I HAVE ALSO INCLUDED THE ATTORNEY GENERAL ON THIS COMPLAINT AS I HAVE SENT SEVERAL REQUESTS TO HAVE THESE FRAUDULENT ACCOUNTS REMOVED AND THESE BUREAUS CONTINUE TO REPORT INACCURATE INFORMATION OR PROVIDE VALID INFORMATION AND REQUESTED DOCUMENTATION AT MY REQUEST, THIS HAS BEEN WELL OVER 30 DAYS AND THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY.MAY I REMIND YOU EXPERIAN is currently being sued due to sham investigations and inaccurate information being reported and they are in violation of the FCRA, 15 U.S.C 1681 i ( a ) ( 2 ) ( A ), 15 U.S.C 1681i ( a ) ( 5 ) ( A ), 15 U.S.C 1681i ( a ) ( 5 ) ( B ), ( C ). XXXX has also been fined for improper investigations and inaccurate information being reported, as well as putting previously deleted errors back on credit reports and and failing to block identity theft related information.
Product: Debt collection

Macy 's ( account number XXXX ) is currently reporting an account that is not mine to XXXX and XXXX as late.I 'm a victim of ID theft and it 's various information on my XXXX and XXXX report that is not accurate including this account that is over 7 years old that just showed up as being late. My ID theft number is XXXX and I also have a police report number. I request help in getting this inaccurate information removed from my credit profile immediately.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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. 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 ) ( a ) 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. I request the not authorized hard inquiries below : agency : XXXX Company : XXXX XXXX XXXX  Date : XXXX Agency : Equifax Company : XXXX XXXXXXXX XXXX Date : XXXX Agency : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX Blade XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Bank Card P. O. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Re : Acct # Ending in XXXX To Whom It XXXX Concern : This letter is in response to your recent claim regarding account # ending in XXXX, which you Claim was charged off. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per the FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your report. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 
I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, to formally defend yourself. My contact information is as follows : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Last 4 of SSN # XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Vehicle loan or lease

I signed my loan back in to XXXX not aware of the 23 % internet rate tagged onto my account. I fell onto hard times during XXXX and my late fees sky rocketed along with adding interest on the account. Now in XXXX I still owe a massive amount for a car that should have never had this much APR. I read that New York has an open case on XXXX after reviewing their practices with dealerships and consumers.
Product: Credit reporting or other personal consumer reports

Equifax had a data breach I reported fraudulent activity on my account and they did not remove the accounts. They never showed me how it was verified the accounts are not on my TransUnion I'm a victim of fraud Is not my accounts I didn't not sign up Experian XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company sending me statements. I do not know who they are nor did I authorize this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect personal information was deleted then reinserted onto my file without me being notified as required. See attached.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, Transunion, AND XXXX have 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: Mortgage

In XXXX Citizens One notified me of an escrow surplus of {$7500.00}. 

The first week of XXXX I contacted them to let them know that I had not received the check. They said they would cancel and reissue. 

The third week of XXXX I got a form in the mail from Citizens One indicating that they could not issue a new check without me completing the form. I completed and returned the form to them the next day. 

XX/XX/XXXX I contacted them to let them know that I STILL had not received a check. They told me that everything was okay and they had mailed the check the previous day. 

XX/XX/XXXX I attempted to contact them via phone but they no longer answer their phones -- instead I had to accept an appointment for a callback on the XXXX. 

XX/XX/XXXX I get a call from Citizens One. They tell me they did NOT in fact mail the check in XXXX, and can't tell me when they will.
Product: Checking or savings account

During mid-XX/XX/XXXX, I received notice from the USPS that it had unsuccessfully attempted to deliver a letter from Huntington Bank ( which had been my bank for business and personal checking and savings accounts for over 20 years ). The notice gave no indication of the content of the letter, so I took little notice. A few days later, in conversation with my estranged wife, who also held accounts with Huntington, I learned that she'd received notice that all of her Huntington Accounts were being closed by the bank because she had " exceeded the risk threshhold. '' I immediately called the customer service center, where ( after being transferred once or twice ) I was only told that my accounts were to be involuntarily closed on or around XX/XX/2021. The call center reps were either unable to or prohibited from explaining why. I mentioned that I had received no formal notice until this, so I was advised a second letter would be sent. It was not actually delivered to me until well after all accounts had been closed, in XX/XX/2021. ( The letter said roughly the same thing -- being closed because I had " exceeded the risk threshold '' or something similar ). The representatives were unable to tell me the reason, and there was no appeal process. I spoke to my branch manager, who, although professional, could not ascertain the reason from resources within the bank, either. 

The entire scenario was disruptive to me. I'm in the midst of a Chapter XXXX bankruptcy petition, so losing access to all of my previous statements online forced me to scramble to gather my electronic statements in paper. In addition to the inconvenience in regard to my bankruptcy process, I was forced to transfer all of my business and personal banking to a new bank, which was tremendously inconvenient. I also had to rearrange my pre-scheduled/auto debit bills and expenses, including my IRS child tax credit , one vendor at a time, which led to some disrpution in my payment of my routine expenses. It also disrupted my invoicing/receivables for my business. As is common when entering a new banking relationship, many of my business receivables were placed on temporary holds for a month. Most importantly, I was never given a transparent or direct explanation as to why my banking relationship with them had been terminated by them after 20 years. Telling me my accounts are being terminated unilaterally because I somehow " exceed a risk threshold '' would be no better than me telling my wife I'm seeking a divorce on the grounds of " lack of satisfaction. '' If this is what Huntington truly is, then I thank them for showing me the truth. I have no desire to work with them ever again. And while the termination and the manner in which they gave " notice '' may or may not be legal, I'll be sharing my story with anyone and everyone I know.
Product: Debt collection

My friend received a call at work in reference about me owing money. Told her about allegations against me and said he would have my drivers license suspended and wage garnished plus contact the social security for fraud. Is this legal in Texas to have a company named ADR XXXX Group to call a third party person to leave this information?
Product: Debt collection

I have previously submitted documentation and successfully had these accounts removed from other credit bureaus. However, they continue to appear on your report, causing ongoing damage to my creditworthiness. I want these fraudulent accounts to be remove as what other bureaus have done. I am confused how these accounts keeps on persisting on your report when other bureaus already fixed the issue. Account Information : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$21000.00}, XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX XXXX {$17000.00}. It is perplexing and unacceptable that your bureau persists in reporting these accounts, which not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also hinders my ability to secure credit and financial stability.
Product: Credit reporting or other personal consumer reports

I previously filed a dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding a fraudulent account falsely reported by Capital One Auto Finance. As a result, this account was removed from all three major credit bureaus ( XXXX, XXXX, and XXXX ). 

Despite this, Capital One Auto Finance refuses to remove the fraudulent account from their internal records and recently sent me a letter denying my fraud claim. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Actions Ive Taken : -Disputed the fraudulent account with CFPB The account was successfully removed from my credit reports. 

-Sent a formal request to Capital One demanding permanent deletion No response or compliance received. 

-Requested written confirmation of deletion They have failed to provide this.
Product: Vehicle loan or lease

I have tried on a number of occasions to work towards to getting this amount due settled. The first payment was made by GAP and another payment made by the extended warranty. I was still negotiating with the insurance company. Additionally, I requested Ally to pick up the vehicle. prior to the scheduled vehicle pick up. The vehicle was towed by the city. I continued to made a constant request to pick up the vehicle. After 4 months of calling Ally customer service- the CSR stated they will not pick up the vehicle if damaged. Ally had knowledge of the damaged vehicle. The vehicle was not picked up by Ally and left at the impound. I was sent a letter on XX/XX/2020 informing me the vehicle was not picked up. Charges were assessed interest daily on the account. I called to make arrangements for the charge off.
Product: Credit reporting

The issue is that Equifax, XXXX, and XXXX have not removed information off of my report that does n't belong to me. I started this process with them in XX/XX/XXXX and it is XX/XX/XXXX. I have been more than patient. At this point I have obtained an attorney to start the process of filing a small claims case against all XXXX bureaus. There is information on my report that does not belong to me and I have stated that every month. At this point the Bureaus have stopped responding to me. This is their final chance to do right, by removing these items off of my report before they are contacted by my attorney. There are also several addresses on my reports that do not belong to me either. 
Attached to this complaint are word documents of each bureau with everything that should not be on there. Addresses included. It is my expectation that they remove the items after I have been disputing these items for 10 months. If not, they are facing a lawsuit.