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

Capital one has continued to list the account with the credit reporting agencies when it had been deleted multiple times and reinserted which is a direct violation of 15 USC 1681i B requirements relating to reinsertion of previously deleted material unless confirmed by the consumer which is invalid. Please delete duplicative reporting that is causing harm to my financial reputation. These reinsertion is violating code of federal regulations FDIC regulations and compliance.
Product: Debt collection

Recently became aware of a default judgement from Alpine Capital Investments that was against me after I was served at my business for a discovery of wages a few days ago. 

After I was served with this notice, I went to the court house and pulled all the documents. I also went through old records of letters I had written years prior that were in my basement and try to put the puzzle together. 

When I sent the letter XX/XX/2011 after apparently getting a letter from them, I never heard anything else and I assumed they went away. I guess I was wrong. 

I do n't have any recollection of ever having any business of Alpine Capital and despite they lied about serving me, I discover that XX/XX/2011 a default judgment was made against me and now I am left in a situation that looks very dire for me. 

They are now trying to enforce the judgement plus fees and other interest charges in the amount of {$9400.00}. 

Had I ever had a chance to defend myself, I absolutely would but the fact that this " detective agency '' lied I feel helpless and unable to protect myself against fraudulent claims. 

While I have hired an attorney to help represent me, I am very disturbed at how the State of Illinois allows such awful things to happen to the consumers in this state. 

I am hoping you can help me because this fleecing of consumers is disturbing on so many levels. 

I am also seeking representation on a possible counter suite against them and the detective agency. I am ready to take it to the highest courts if needed.
Product: Credit reporting or other personal consumer reports

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXXXXXX account ( XXXX XXXX XXXXXXXX account number XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Global Payment Check Services calls me multiple times a day, from a variety of phone numbers, leaving a message for " XXXX XXXX '' or something that sounds like that name. The messages indicate that it is regarding " your global payment services '' account. 

I am not XXXX, I don't know anyone named XXXX, and I won't answer these suspicious calls, only giving them validation that a real person owns this number.
Product: Debt collection

A credit card a payment I've been paid long time ago and also school loan and stole my taxes XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the ( FCRA ) Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX  ACCT # XXXXXXXX XXXX XXXXXXXX XXXX ACCT # XXXXXXXX XXXX XXXX XXXX  ACCT XXXX XXXX XXXX  XXXX XXXX  ACCT # XXXX  XXXX XXXX XXXX ACCT XXXX XXXX, have all 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: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX , Chapter XXXX  Bankruptcy Discharged XXXX
Product: Checking or savings account

Bank of America asked me to show ownership of the funds by providing a notarize letter from the sender and a notarize letter from the bank of the sender., I submitted both letters and bank of America still refuses to release MY MONEY.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and this account reported to my credit file are fraudulent accounts. Please remove these accounts from my credit report as soon as possible.
Product: Mortgage

On XX/XX/2020 I applied for a loan with Amerisave to refinance an investment property. I paid my {$500.00} application fee and was told closing was taking longer, 60 days in most cases. After submitting all of the requested documents, my loan officer said they had all they needed and would proceed with the loan. Time moved on but I was aware it was taking longer to close loans due to the number of people applying. In follow-up emails and phone calls I was told everything was on track. There were problems with the Amerisave portal requesting the same documents I had already submitted and requesting I fill out multiple applications. The loan officer fixed those issues. Eventually I stopped hearing back from my loan officer even after sending multiple emails and phone calls. After calling the customer service line, I discovered my loan officer had changed. The new one assured me my loan was still headed in the right direction but I would have to submit all of my documents again! At this point it is XXXX and I am starting to worry about the 0.5 % government fee for refinancing. No one at Amerisave could tell me if I would be subject to that fee or not, only that we would close before then. XXXX comes around and I call customer service again since my loan officer is MIA. They get ahold of the loan officer who tells me I need an appraisal. Well I was told, and have in writing, that an appraisal would not be needed. I send him the e-mail from the first loan officer indicating an appraisal was not needed. I let the new loan officer know I am fine with an appraisal but wanted to know why one was now needed. He said the terms of the loan had changed but could not tell me how. I also told him I didnt see why I would pay {$500.00} for an appraisal when told in writing I didnt need one. He never got back to me. I again called customer service who put me in touch with the loan processor who again wanted me to submit the same documents I already had THREE times. She also said I needed an appraisal but could not tell me why or what loan terms had changed. She said she would talk to the loan officer and his manager to get it worked out. I sent her and the loan officer an email just to have a paper trail. Never heard back. Over the holidays I didnt worry about it. But come beginning of XXXX my loan application has been denined for incomplete information and credit denial. I have an XXXX credit score and I had provided all the documents multiple times! No one contacted me that yet more information was needed nor to follow up with me on why and how the loan terms changed. I feel Amerisave is running a bait and switch. They get people to apply, eagerly take their money, but then dont do anything with the loan or change the terms without explanation.
Product: Checking or savings account

I was getting my unemployment through Bank of America I was paid XXXX dollars and I only got XXXX XXXX of it they sent debit cards to the wrong address
Product: Checking or savings account

Someone opened a checking account under my name at SunTrust Bank. XXXX XXXX XXXX XXXX, TN XXXX i called Suntrust and they wanted my social security number over the phone and i would not give it to them I am still receiving information about my account in the mail. I live in Massachusetts and there is no SunTrust branches here. I also received notification of enrolling in Overdraft protection, which i did not apply for either.
Product: Credit reporting or other personal consumer reports

I ask you for all addresses and names to be changed.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit card or prepaid card

Some unknown person has breached/ obtained my identity information ( name, previous address, Social Security number, and date of birth ) and fraudulently opened a Bank of America credit card on XX/XX/XXXX in my name. During XX/XX/XXXX to XXXX, XXXX, this unknown person has made several charges at several businesses in the New Jersey / New York area and has also made numerous cash withdrawals at multiple ATM machines in New York. Fraudulent activity totals at one point {$7700.00}. After discussions with the Bank of America, the credit card was disabled, blocking any further use/ charges/ ATM withdrawals. 

The credit card statement was being mailed to an address in XXXX XXXX, NY XXXX. Do not mail any correspondence to the XXXX XXXX address. It's a false address. I have never lived in this place. I have not traveled to New Jersey or New York at any time in XXXX or XXXX. I have lived in my current home in XXXX, TX since XX/XX/XXXX. The identity thief completed a credit card application using a previous home address XXXX XXXX XXXX, XXXX, TX. We relocated from that home in XX/XX/XXXX and sold that home in XXXX. We did not own or live at the XXXX home in XX/XX/XXXX when the credit card was fraudulently opened. 

The Bank of America has been mostly unhelpful in working with me to resolve this matter. Even so I have reached out to them on multiple occasions. BoA repeatedly told me I needed to contact its Fraud Dept. In my multiple attempts to contact the Fraud Dept., no one ever picked-up the phone. I never had an opportunity to speak with someone in the BoA Fraud Dept. There was not a means to leave a voice message to request a call back. 

On/ abouXXXX XXXX XXXX XXXX, while in the process of seeking pre-approval for a home loan, the mortgage lender identified to me that my credit score was XXXX. I was under the impression my credit score was about XXXX. Upon learning of this miserably low credit score, I began to look into what was going on. 

I have also reported this identity theft to my local XXXX, TX Police Dept. Incident number : XXXX
Product: Mortgage

Earlier this year our mortgage loan was sold from XXXX to Carrington Mortgage and our homeowner insurance renewed around the same time as this. I paid our mortgage using the old amount before the escrow analysis number could be adjusted to the new payment. Carrington placed that {$1400.00} payment into their " unapplied cash '' on our account which makes it appear that we missed a payment. They charged us a late fee and hit our credit reports with a missed/late payment status. Up until this point with our mortgage we 've had great payment status. My husband is has been out of work since XXXX and I do everything I can to ensure our house bills our paid on time. Carrington has a history of complaints with what has happened to us. It has been reported that they " pad '' their escrow accounts to make money and cause people undue stress when raising their monthly mortgage payments. I site the following websites for these complaints of sold loans and problems. XXXX corrected our unapplied cash payment and I have reached out to Carrington about this issue. They have told me there is nothing they can do.
Product: Credit reporting or other personal consumer reports

I have an account with XXXX  XXXX XXXX XXXX XXXX. The online banking sends emails every month on my updated credit score via XXXX. 
In XX/XX/XXXX, I saw my credit score went down about XXXX points. So I looked through my credit report and found a credit card that I have no knowledge of. This card is a Wells Fargo revolving flexible spending credit card with a limit of {$5500.00} that was opened on XX/XX/XXXX. At this time, it had a balance of {$1000.00} and was making on time payments monthly. On XX/XX/XXXX, I emailed XXXX for assistance on getting information on this credit card but they could not help me. So I contacted Wells Fargo to get more information on this credit card since it is through their company. I kept getting passed along from different departments. They could not give me any information on the account because my personal info ( name and SSN ) did not match the account. An agent told me to fax and mail a letter attn to Credit Bureau Dispute to show any activity and account information that was listed on my report. I tried to fax but the number was non existent/not working. So I sent a letter. I received a letter back from Wells Fargo basically stating they could not help me. 
In XX/XX/XXXX, I checked my credit score again and saw it went down XXXX points ( XXXX ) because of this same credit card still listed under my credit report. The current balance on this card now exceeds their limit and is at {$7100.00}. 
I called Wells Fargo again to try to get help and more information, but after I gave them my name and SSN, they do not have my personal info in any of their databases so they could not help me and said I need to go through the credit bureaus. 
So, I called XXXX and filed a dispute on this credit card. I also spoke to an agent who said that was all I could do until the dispute was resolved. They said to also file disputes with other credit bureaus ( XXXX and XXXX ) and to freeze my credit. 
On XXXX, I had an AKA name of XXXX XXXX XXXX and a phone number of ( XXXX ) XXXX. On XXXX, thats associated with my SSN, my name was listed as XXXX XXXX. The address was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. And XXXX was XX/XX/XXXXXXXX 
On XX/XX/XXXX, I got dispute results back from XXXX, which they decided the investigation results were accurate, which I disagree with. So they advised that I start a report through this CFPB portal.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states 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, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX Inquiry Date : XXXX XXXXXX/XX/2023 - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
Product: Credit reporting or other personal consumer reports

AS of XX/XX/XXXX I have reviewed my credit report and see that there are still fraudulent accounts reporting from XXXX, EQUIFAX, AND XXXX XXXX reports upon looking the accounts that I see are XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX FOR THE AMOUNT OF ( {$5500.00} )XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX FOR THE AMOUNT OF ( XXXX ), XXXX XXXX ( XXXX ) XX/XX/XXXX FOR THE AMOUNT OF ( {$500.00} ) These accounts are all fraudulent and I have provided the supporting documentation down below. According to the FCRA CODE SECTION 605B if an account is the result of fraud the data furnisher has 4 business days to remove the fraudulent accounts as long as supporting documentation is sent in.
Product: Credit card or prepaid card

Tuesday, XX/XX/XXXX @ XXXX ; i received an email stating, " Thank you for your recent inquiry regarding your Discover it Account. As requested, your Discover it card Account is now closed. '' the problem is, I never called discover to close my account. i called discover several times to let them know, it wasn't me. I did not call you guys to close my account., how could someone just close my account without my knowledge. 

discover stated the call was made, Saturday XX/XX/XXXX @ XXXX... i advised them i was in an appt., i never called. 

they stated, they would do an investigation... i called back today XX/XX/16 ** they said theres nothing they can do .. i can reapply. they will not reopen my account. 

this is unacceptable., i am the victim here.
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. 
XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 
1

5 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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX Account # : XXXX XXXX  XXXX. Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXXXXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.