23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Turning point solutions called my home my cell AND my adult daughters cell who I have no idea how they got her number. They did not identify who they were representing but did threaten me that they can do whatever it takes to get their money. They also block their calls.
Product: Prepaid card

On XX/XX/24 XXXX purchases a {$100.00} Vanilla Visa card from XXXX. I received activation receipt and have full receipt which I am attaching. I called XXXX as my card was declined multiple times. I was told there was some sort of activation issue even though I have activation receipt as documentation. I requested a case be created and this card be appropriately activated and I was declined for both. I am attaching front of card + receipts.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, XXXX is reporting a debt to my credit reports as a loan or line of credit. Ive never had a loan or line of credit with XXXX, this was a utility service. Second, XXXX knows I owe them nothing. XXXX breached the agreement with me by failing to provide usable service. The service was so horrible that I asked XXXX to terminate the services in XX/XX/2020. XXXX refused to terminate the services and continued to charge despite me having a new provider by XXXX XXXX. XXXX continued charging me for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I wrote a certified letter to XXXX, XXXX, and XXXX in regard to my private nonpublic information supported by 15 USC 6801. In the letter, I stated that I elect to OPT OUT of reporting information from XXXX XXXX and reporting information from XXXXDept of Ed protecting my right to privacy according to 20 U.S. Code 1232g - Family educational and privacy rights I elect to OPT OUT of reporting this private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovis is reporting opened date and payment history in these accounts wrong, since this is inaccurate reporting please have them removed from my credit report. XXXX XXXX XXXX XXXX and XXXX/XXXX.
Product: Credit reporting

Reference Case number : XXXX. For over 3 years my wife and I have not been able to obtain our free annual credit reports online. For years previous, we had no problems. Queries to the Credit bureaus and the CFPB have been non-productive. I 'm attaching an edited summary of my email exchanges with the Ombudusman office going back to XX/XX/2014. They also have been frustrated and suggested I re-file the complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XX/XX/XXXX ) was an inquiry not authorized & 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 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

I am providing a courtesy notice to Equifax to ensure that the incorrect report that showed up on my XXXX and XXXX does not also reflect on my Equifax report. XXXX responded that they have already removed the incorrect report. The related information is as follows : On XX/XX/2022 I discovered that a delinquent account has appeared on my credit reports with XXXX and XXXX, which XXXX acknowledged on XX/XX/2022 at approximately XXXX PM XXXX was incorrectly sent to XXXX XXXX XXXX. XXXX stated that this stemmed from invoice number XXXX, but that the information associated with this invoice had misspelled my name and address, and even had the incorrect insurance information. I never received any notification of this bill from either XXXX, or my insurance because even the insurance submission was done incorrectly. I asked XXXX to provide me written evidence of them beginning the process of notifying XXXX XXXX XXXX that the bill was incorrectly sent to collections, but XXXX would not provide this evidence. I have already sent a dispute to XXXX and XXXX, but I am concerned that without written evidence this will take time to rectify. I am closing on a car purchase in XXXX and am extremely concerned that this will impact my ability to still purchase this car in accordance with the original tentative terms of the loan. When I asked for permission to record the call with the first agent after she said that she could not provide written evidence, the agent denied permission.
Product: Mortgage

I applied with Chase to refinance my current mortgage loan. We came to point where I was told that my loan has been conditionally approved, and that I will have to provide additional documentations. Also I was told that they need to have my property appraised. earlier I was asked to pay {$500.00} as earnest money, which to my is understanding will be added to whatever charges to be included to my loan. 

About a day after, I received a better offer from another company. Hence, I immediately contacted my Chase Loan Advisor and Client Care Specialist that I have decided to decline Chase 's offer. Chase even offered to possibly match, if not beat the other company 's term. 

Later I emailed my Chase Loan Advisor to inquire about my {$500.00} deposit and I was told that since I was the one withdrawing, my {$500.00} is not refundable.
Product: Debt collection

AMCOL reported {$670.00} not paid to credit bureaus. I contacted XXXX XXXX directly via online, and paid the {$670.00} in full on XX/XX/XXXX2019. I attempted to dispute the report, but was unsuccessful. I saw that XXXX reported the amount again on XX/XX/XXXX. I tried to dispute again on XX/XX/XXXX, unsuccessful. On XX/XX/2019, I contacted AMCOL ( XXXX ) to gain information as to why they continue to report the amount on my credit when I paid to the company directly. I asked her when the correspondence was sent to me regarding the amount due by the third party, she said the company had no record and would not be able to confirm. I ended up speaking with a manager,  XXXX, who stated that AMCOL sent correspondence in XXXX, which I never received. I told her that I did pay, but she said they would have to wait for XXXX XXXX to confirm payment. By the end of the conversation she said she would expedite trying to locate the payment confirmation. I contacted XXXX XXXX ( XXXX ), thereafter, spoke with a rep, XXXX, who stated that their records confirmed my payment of {$670.00} on XX/XX/XXXX2019 and pulling my information from collections on that same date. I called AMCOL back and ended up speaking with XXXX again who then said she received payment confirmation fifteen minutes ago. I expressed my disbelief that the company just received confirmation from XXXX  XXXX on today. I also let her know that XXXX XXXX confirmed pulling my information from collections the same day the balance was paid. Because I have disputed this item multiple times, I can not dispute again and it's showing up negatively on my credit report for XXXX even though the bill was paid at the end of XXXX and pulled from collections at that same time. AMCOL did not follow up with my account properly and continued to make false reports on to the credit bureaus.
Product: Credit card or prepaid card

Commerce Bank of XXXX XXXX sent to me, a replacement for my Visa Card which included a chip. It also included a debit feature which I did not request. I have used this card many times and sometimes, even though I specifically instruct the vendor to run it solely as a credit purchase, Commerce Bank treats it as a debit purchase which they deduct from my checking account without my knowledge or consent. Each vendor informs me that the vendor can not run it as a debit transaction without a pin number, which I don't have or use, therefore the vendor assumes it to be a credit purchase. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX, credit transactions were processed by Commerce as debit transactions without my knowledge or consent. After reviewing my statements and discovering these inappropriate transactions, I have contacted Commerce customer service and again, about XX/XX/XXXX, I appeared at the local branch to, again, inquire about these transactions. Each time the customer representative says that they have put in a request to remove the debit feature and each time it doesn't happen. I also sent to them, an email on their customer service page and got no response. I specifically told them that if they did not remove the debit feature, I would file a complaint, again, no response. Please process. 
On another issue, sometime last year, I visited my local branch and told the representative I was contemplating obtaining a credit card from another vendor because I wasn't getting any benefits like points. The representative informed me that I should have been getting points and when I told her I wasn't, she looked into it and now I'm getting them. Points awards should have been awarded retroactively to the time where points began to be awarded, I shouldn't have to inquire about benefits like points. Please process. DR
Product: Debt collection

Capital Account contacted me about a bill from my dentist, I wrote them back that the debt is invalid because my insurance already paid the bill at 100 % and I dont owe any money. They then proceed to report this to my credit file and it has affected my points to drop.
Product: Student loan

My father is a co-signer on my private loan Navient told me that I have to make a payment of XXXX for 12 months straight to get him released off my loan when my 12 month was up I was waiting for Navient to take the money out of my account my payment due date came and no payment was withdrawin from my account so I contacted them and they told me that my payment is delinquent and that I now owe them XXXX and now that my last Payment is late my father has to stay on my loan another year because I didnt have a year worth of payments on time
Product: Checking or savings account

Ive had my account for XXXX plus years and Ive used overdraft protection years ago and the balance would just take from my savings which I was aware of or if it wasnt available in my savings which they would take it by charging a overdraft protection fee of {$20.00} for all ur charges and that Needed to be payed in full bringing account to good status within XXXX. 
No that the economy has gotten bad and this is recent with the overdraft protection because they have changed somethings around so now if you over draft they dont pull from you savings to reflect the balance and they charge you {$20.00} per transaction. There was even a time I deposited my check and I knew the check was good but they held half of it until it was cleared but in the meantime it would reflect on my account that my balance was this but still got charged overdraft protection because the check didnt clear completely and I was then told that regardless what the account says in green the overdraft charges will still stand since the check wasnt completely clear and if I didnt call I wouldnt have gotten the courtesy of having the fee removed that XXXX time.
Product: Checking or savings account

On XXXX XXXX, 2023, I created an online checking account + a XXXX account to use an offer that Chase has sent me on different occasions by mail, e-mail, and through the app to open a Checking account + save to get XXXX. 

I did, and deposited XXXX ( minus XXXX  ) a couple of XXXX  after they froze my account with the pretext of an identity theft attempt, to which I never saw any evidence nor detected any unusual activity. I visited a branch to get more information, and they asked me to place an identity theft claim ( even tho I have no evidence of such a thing ) ; I did then and there with the branch XXXX. 

On XX/XX/XXXX, my account was closed, and the money disappeared. I talked again to the XXXX number, and they asked me to place another claim, and told me a check would arrive in XXXX business XXXX. 

On XXXX the XXXX I contacted the XXXX number again since the check is nowhere to be found, after XXXX XXXX  on the phone, they asked me to place another claim for identity theft, and they will contact me in XXXX business days to let me know how to proceed. 

It's been XXXX XXXX now that Chase has XXXX of mine, and I haven't been able to invest, spend, or make use of it in any form.
Product: Credit reporting or other personal consumer reports

Experian Consumer Dispute Department XXXX XXXX XXXX XXXX, TX XXXX RE : Formal Request for Removal of Fraudulent Address on Credit Report Dear Experian, I am writing to formally demand the removal of the following fraudulent address from my credit report : XXXX XXXX XXXX, XXXX, Florida XXXX. I have contacted your bureau on numerous occasions at least ten documented times to rectify this issue and remove this incorrect information. Despite my repeated requests, Experian has continued to report this erroneous address, which does not belong to me.

As per my rights under the Fair Credit Reporting Act ( FCRA ), Experian is required to maintain accurate information on my credit report. By continuing to report this inaccurate information, Experian is in violation of both federal law and my rights under the FCRA. Please be advised that I am prepared to take legal action if this matter is not addressed immediately.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is obligated to conduct a reasonable investigation upon notification of disputed information. The continued presence of this fraudulent address despite repeated requests for its removal suggests a failure on your part to conduct a reasonable investigation. Further, under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. 

The case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ), highlights that failure to reasonably investigate disputes can constitute a violation of the FCRA. Furthermore, in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court ruled that consumer reporting agencies can be held liable for failing to take appropriate corrective actions after receiving notification of a dispute. The court concluded that failure to comply with the FCRA could result in significant financial penalties and that consumer reporting agencies have a duty to investigate and correct inaccuracies on credit reports diligently. 

Your continued failure to remove the fraudulent address from my report is a clear violation of these legal standards, exposing Experian to potential liability. According to the FCRA, you may be held liable for statutory damages up to {$1000.00} per violation, actual damages suffered, and attorneys ' fees if litigation becomes necessary. 

Please consider this letter a final request for Experian to immediately delete XXXX XXXX XXXX, XXXX, Florida XXXX from my credit report. Failure to do so within 30 days will leave me no option but to pursue legal remedies for Experians non-compliance with the FCRA, including seeking compensation for damages and legal costs. 

Thank you for your immediate attention to this matter. Please send written confirmation of the address removal to the address listed at the top of this letter.
Product: Checking or savings account

To whom it may concern I XXXX XXXX I have a complaint against citi bank I have bank account in citi bank my debit card was compromised at some time in XX/XX/XXXXXXXX  and after that I get fraudulent activity through XXXX XXXX I lost my money thru debit card almost $ {$42000.00} I did complain through bank representative in XX/XX/XXXXXXXX  but they declined my case after that I contacted to bank XXXX XXXX XXXX XXXX they accepted my case and give me back {$20000.00} but didnt give me full amount they accepted that I get fraud in my bank account through debit card but they didnt want refund my total loss can some one help me out with this big company to get back my money Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/, An address that does not belong to me appeared on my credit report. 

On XX/XX/, the following accounts were added to my credit report : XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$440.00}
Product: Credit card

Sent a message to Wells Fargo regarding fees being charged on my credit card for non-interest balance transfer. Instead of correcting the issues they tagged more fees for the balance transfer which i had already paid previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion via mail multiple times within the last 5 months regarding inquiries on my credit report, and TransUnion did not verify and was not able to provide information that I requested and showing proof that the inquiries were verified. I'm a victim of a fraud and TransUnion did not help or give any information. Then today XXXX, XXXX, I called the TransUnion and told them that multiple letters have been sent regarding the unauthorized inquiries on my credit report and the representative did not assist me in this matter. there are 26 UNAUTHORIZED inquiries on my Transunion report and they did absolutely nothing about it. 
Here are the Inquiries : XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Loancare Home Mortgage. Name attached to mortgage history that is not responsible for the debt. 

Contacted and wrote the company.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX