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

On Wednesday XX/XX/XXXX I received an email from Discover stating the following : XXXX, weve selected you as a valued Discover Cardmember with a responsible credit history. You have an opportunity to apply for a fixed-rate Discover personal loan to consolidate your higher-rate debt.1 Simply get started online before XX/XX/XXXX. 
I was hesitant to apply simply because I've been working strenuously to fix my credit score over the past few years. After a few days, I decided to go ahead and try it as I thought this would help me better manage my funds. I applied on Monday XX/XX/XXXX. I was told via the online application system this would not impact my credit score to just take a look, so I applied. I was told online that I was approved and simply needed to send proof of income to get the process started ( which didn't quite make sense since I already started the process [ so I thought ] ). After furnishing proof of income ( well above their qualifying limit listed ), I was forced to call an agent to " finish the process '' - which I did. That agent also said I was approved and all they had left to do was verify my income. After two days and a hard inquiry to my credit, I have now been denied for the debt consolidation loan they said I was approved for. I would not have even considered this if I wasn't already a Discover customer and if I was not told ( multiple times ) that I was approved. It was not " pre approved '', they said approved. This is the definition of predatory lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to this company asking for verification/validation via my signature showing that this debt belongs to me. I have received no reply and I have disputed it to the credit bureaus of which they continue to validate without proof.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. On XX/XX/year>, I realized that several credit accounts had been opened using my personal information. All of the card limits were maxed out and my credit score has plummeted to a point that I can't get approved for any new credit. 

The fraudulent accounts are as follows : Account : XXXX XXXX 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

Apple purchase We never install XXXX and charge Apple Card XXXX XXXX. We reported but apple never accept refund or fraudulent charge with XXXX. I want this charge cancel but failed to cancel and say to pay I cant pay XXXX because me and my family cant purchase anything I want to cancel my XXXX account who make or purchase is not for us
Product: Money transfer, virtual currency, or money service

Dates are as followed XXXX {$80.00} XXXX XXXX {$60.00} XXXX XXXX {$60.00} XXXX XXXX {$60.00} XXXX XXXX {$60.00} XXXX XXXX {$50.00} Those are all the transactions that was made from my account that I sent a message for and I was told someone would get back to me. The transfers I did report but was told they would try and get my money back but they never did and the closed my account and won't let me open another one after all that money they token. I don't even use cash app anymore after lossing all my money. They lied about having my money reversed back into my account but never did. They gave me a number to call but nobody ever answered just the online chat would say someone will get back to me never did and never seen my money again. Me and my son became homeless because of cash app.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report agency continues to illegally show ch XXXX filings that were simply filings only & dismissed. 

I am disturbed that the company continues to list the dismissed ch XXXX on my credit file. The Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcies about dismissals and filings! 

The law clearly states from date of adjudication or date of order of relief. 

Any case, civil or DISMISSED, no longer exists in the eye of the law and a case filed that was never and has NEVER been actually adjudicated. Therefore you have no right to maintain information that the government has deemed legally nonexistent. 

Therefore pursuant to Section 1681 a ( 5 ) of the FCRA you must DELETE this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your answer within 14 calendar days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed. 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 hand written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX 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> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX claiming I owe for a bill, trying to say I owe for a month I did not have service. I switched from XXXX XXXX XXXX XXXX XXXX XXXX Accounts were checked nothing was owed or I couldn't get new service. I have had XXXX for 2 years. Called XXXX from XXXX XXXX XXXX XXXX store XXXX of XXXX and they said it was a mistake and it would be removed, obviously it was not removed. We paid for service every month for that month. If we didn't pay we did not have service. We never did not have service. So this makes XXXX sense. Its been over a year and now its surfacing again. Jefferson Capitol has the dept for {$130.00} this is not right to try and collect a dept I do not owe.
Product: Credit card

I was offered a XXXX XXXX  promotion through Bank of Americas banking app. I accepted it and followed the prompts in app to select and agree requesting {$3500.00}. This was in XXXX XXXX. I am not certain of the day as I dont recall. The bank stated it was the XXXX of XXXX XXXX so I will take them at their word. I reviewed my finances today and discovered I was being charged interest and there was no promotion showing. I called to inquire and they are stating the promotion ended on the XXXX of XX/XX/scrub>XXXX XXXX. However, even if this was done on the XXXX the offer was still extended to me and available in my banking app. As mentioned I took no notice of the date as the offer was shown in app. I went through the process selecting cash advance, entering the amount and agreeing to the XXXX XXXX for XXXX months. The bank is not honoring it now stating it was not available. Im being told they dont see this in the system and can not verify my actions through the information they have available.
Product: Debt collection

I have a payment scheduled for the XXXX of each month with a ACH on file, i called the representative XXXX XXXX yesterday ( XXXX/XXXX/15 ) and asked her why has n't the payment came out of my checking account yet. She states that it may take a few days after the due date to come out, she asked if it does n't come out by Friday XXXX then give us a call back. The representative XXXX XXXX calls me today saying that the payment came back NSF, i asked and asked me if i SPENT THE MONEY. I, then asked her why would i spend the money if i called you yesterday to check on why has n't the money come out of my checking out. i told her she being rude and that i did n't want to speak with her anymore and please put a manager on the phone. XXXX start yelling at me saying that all the managers were " in a meeting '', so i asked her to put another rep on the phone. She stated no i will give the manager a message that you called, i asked her what was her last name and she stated " My name is XXXX with XXXX, i do n't have to give you my last name. I hung up on the rep and called back and spoke with a man ( which he refused to give me his name ) but did provide me with XXXX 's last name ( XXXX ). I explained the situation to him and he transfers me back to XXXX and she tells me that the managers are still " IN A MEETING '', mind you that neither XXXX of them gave me the MINI MIRANDA OR QUALITY ASSURANCE. I spoke with the operation manager XXXX he was very nonchalant about the situation and really did n't care in my opinion. He to did not verify my identity or give me the MINI MIRANDA OR QUALITY ASSURANCE.
Product: Credit reporting or other personal consumer reports

XXXX To Whom it May Concern This letter is my 3rd complaint that you are reporting inaccurate and incomplete credit information.

15 usc 1681e ( b ) Compliance and procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall fellow reasonable procedures asure maximum possible accuracy of the information concerning the individual about whom the report relates.

otherwise anyone paying for your reporting services could fax, mail, or email fraudulent account.

I demand to see verifiable proof ie.an oraginal consumer Contract with my signature on it that you have in file for the accounts listed below or a certification from the creditor that certified the accuracy and completeness of the information Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA unverifiable accounts must be deleted and if you are unable to provide me a copy of verifiable proof you must Delete the accounts below I demand that the following accounts on my police report and ftc be deleted immediately the in addition Delete all non account holding inquiries over 30days old Under federal law you have thirty ( 30 ) days to complete your re-investigation Be advised that the description of the procedure use to determine the accuracy and completeness of the information is hereby required as well to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These credit accounts and hard inquiries are the results of identity theft and fraud.
Product: Debt collection

Dear Collector : National Enterprise Systems Im requesting that you validate the debt below. 
This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, failure to comply with the FDCPA will put your company in a bad position with the FTC, so I am asking that your company. 
supply me with a copy of the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor. 
( 2 ). Proof that you have the right to collect this debt in my state. 
( 3 ). Proof that your company carries a bond. 
( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined? 



While validating this debt, you must cease all collection efforts until you can send me sufficient proof as listed above. If you choose not to send me the proof requested, you must delete the reference account from my credit report. 
Thank you for your time and cooperation. 
XXXX XXXX
Product: Checking or savings account

Someone forged a check with an invalid check number and my bank ( B of A ) cleared it. The check was for {$2500.00} to one of my employees for my business. My employee called his bank to tell them that it wasnt his doing and return the funds. Also the highest check # I have is XXXX but the forged check was XXXX. My complaint is that Bank of America cleared an obviously invalid check without a single security measure to avoid this and when I called them about it, I was on hold for an hour and a half only to be patronized by a sassy lady that didnt want to help me. I went to a branch near me and they said I can only resolve this issue through a call, which is complete XXXX. It is clear that {$2500.00} was taken out of my business account and I was not notified of any suspicious activity/reimbursed for the amount. Their website has no option to report a problem other than changing my security questions and login info which clearly isnt effective enough to keep peoples wealth safe. Unless BofA takes immediate significant action for the major XXXX on their part, I dont feel safe knowing that anyone can easily forge a check to take money from me.
Product: Mortgage

I currently have a primary 30 year fixed mortgage and a second lien HELOC. I originally opened the HELOC in XXXX and in XXXX decided to raise the limit. Apparently the original HELOC was not closed out properly and is still showing as a lien on my property ( for 3 total instead of 2 ). I found this out because I am attempting to refinance my primary loan and have been stuck trying to clear the title of the 3rd lien. 

The current 30 year loan is with XXXX and the HELOCs ( both ) are with KeyBank. I am trying to refinance with KeyBank to have everything under one roof. My initial application was on XX/XX/XXXX and my appraisal was done in XXXX. The original closing date was XX/XX/XXXX and has now been pushed back AGAIN for a 5th time into XX/XX/XXXX. What should have been a 2 to 3 month process is now pushing into 8 months! On top of this, my HELOC has been frozen for 3 months now which has prevented me from accessing my funds while charging my monthly fees and surcharges. 

KeyBank is telling me the county ( XXXX County NY ) is not responding to their requests so I contacted the county clerk directly myself. I was told they are roughly a week behind on paperwork and did NOT have anything from KeyBank pending for my property. The only answers I am getting from KeyBank is they are working on it.

The worst part is I couldn't even attempt to refinance with another bank at this point because the issue is the existing HELOC, Regardless, this process needs to go through KeyBank to close out the original HELOC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was an accounts : XXXX XXXX Balance : {$0.00} on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX ; XXXX ; XXXX and hoping that this XXXX  XXXX Balance : {$0.00} late open account will be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX XXXX are reporting a chapter XXXX on my public record on my credit report they know its inaccurate and they refused to remove it the claim to do an investigation but refused to give me further information on how the investigation took place the source of the investigation and who they are verifying through I have contacted the chapter XXXX trustees office and got a letter form them stating that I never filed bankruptcy and for some reason this isnt enough to satisfy them this information is incorrect and even XXXX has determined that the information is incorrect and rightfully removed the item from my credit report but for some reason these companies prefer taking faulty information rather than looking at fact I feel they are violating the FCRA act
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding multiple accounts that have been fraudulently opened in my name. These accounts are the result of identity theft and I have already taken steps to report this fraud with the credit reporting agencies, but the fraudulent accounts are still present on my credit reports. I am requesting your assistance in investigating these fraudulent accounts, ensuring that they are removed from my credit file, and that my rights as a victim of identity theft are respected under the Fair Credit Reporting Act ( FCRA ). 

Below are the details of the accounts that were fraudulently opened in my name : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Account Number : XXXX Experian Account Number : XXXX XXXX Account XXXX : XXXX Balance : {$60000.00} XXXX  XXXX. 
Account Number : XXXXXXXX XXXX XXXX XXXX Experian Account Number : XXXX XXXX XXXX All 3 Bureaus Account Number : XXXX XXXX All 3 Bureaus Account XXXX : XXXXXXXX XXXXs All 3 Bureaus Account Number : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Account Number XXXX XXXX Experian Account Number : XXXX XXXX Account Number : XXXX  Balance : {$60000.00} XXXXXXXX XXXX XXXX Account Number : XXXX Experian Account Number XXXX XXXX XXXX Account Number : XXXXXXXX XXXX All 3 Bureaus Account Number XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX Account Number : XXXX Experian Account Number : XXXX XXXX Account Number : XXXX  Balance : {$11000.00} XXXX XXXXXXXX All 3 Bureaus Account Number : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017 Potential victim of the equifax hack due to inadequate security measures. Corporation cost cutting for short term margins is not in line with shareholder value and this behavior in this industry must be corrected. 

Institutions must correct the culture of investing more into cybersecurity, not less.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to the non-compliance with the CRA XXXX. They have failed to remove information that Was affiliated with personal details That were Challenged in the past. I Strongly believe that they are in Violation Of the FCRA And are outright refusing to uphold the law.
Product: Debt collection

PROFESSIONAL CREDIT SERVICES, ACCOUNT NUMBER  XXXX  HAS put this account as a collection account for emergency  medical service  s r eceived at  XXXX   XXXX   XXXX , the original creditor.At the time of service I was covered by  XXXX  which I informed the  provider.The  government insurance plan covers all emergency services and I should never have been billed and never been subject to collection action which has damaged my credit standing by wrongfully placing and publishing this debt on   XXXX     XXXX   and   XXXX   c redit bureaus.The   service  occurred in early  2015,   possibly  XX/XX/XXXX / XX/XX/XXXX .I have Previously communicated through the credit bureaus telling them to remove the item from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.