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

I stayed around 10 days in a hotel close to XXXX, and at around third night, I left all my expired documents, credit cards etc to be destroyed since they are expired. But I just left for several hours for a small trip, the hotel maid either stole them or garbaged them. Later on I reported to Police, and whoever stole my documents immediately tried all my old credit cards, and at least 5 of them went through, not even counting those valuable stuff which are stolen. and after that, occasionally I got a fraud charge from my credit card. And some even happened on my newly applied cards or recently replaced cards. And they also applied some loans with my identity, on XX/XX/, I got at least 5 credit inquiries listed below which are fraudulent! I am trying to dispute them right now! 
XX/XX/2023 : 1. XXXX XXXX 2. XXXX XXXX XXXX 3 XXXX XXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX XXXXXXXX 5 XXXX XXXX XXXX XX/XX/XXXX  Dormant Acount Activity Lender : XXXX Amount charged : {$520.00}
Product: Checking or savings account

I am a victim of identity theft. Someone used my name and personal information to recently apply for and opened a Comerica Bank checking and savings account. I never applied for or opened a checking account with Comerica Bank. I have never had a checking account with Comerica Bank. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got at call from XXXX XXXX XXXX asking me if I was applying for a XXXXXXXX XXXX XXXX. I told them absolutely not. She said okay and that she would " take care of it '' Then I got an alert from XXXX XXXX  that there was a credit inquiry ( XXXX ) and then the next day there were inquiries from both TransUnion and XXXX. 

I have Fraud Alert already in place on my credit report but because we are in the process of getting a mortgage I have NOT yet placed a freeze.
Product: Credit card

I applied for and got approved for a Capital One XXXX XXXX credit card on XX/XX/XXXX. I received my sign up bonus of several points. However, when I went to try to convert them and transfer them to a third party like XXXX XXXX, the Capital One app and website asked me to verify my phone number and it would not authenticate. Upon repeated phone conversations and HOURS of trying to resolve the problem with 8 or 9 agents across 4 different departments over the span of a week, I discovered that the reason why it would not allow me to do this basic service was because my account was too new. A number of other people on XXXX are experiencing this issue. I am outraged that Capital One is blocking us from using it's advertised services, as advertised. I only signed up for this credit card because of this service that it promised. Nowhere does it say that there is a probationary period or that there would be a waiting period to use the sign up bonus. I have missed out on transfer bonuses and purchasing tickets that I would like to be reimbursed for as a result. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have reach out to the US DEPARTMENT OF EDUCATION AND SENT THEM AN AFFIDAVIT OF THEFT they disregard it and believe they are still above the law and sent it to collections to National Recovery Inc. Due to this I have been rejected for homes, loans etc. They not only went against FDCPA but also against CFPB. They need to remove this off my credit report right away.
Product: Debt collection

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three bureaus continue to report information on my credit reports that are not suppose to be reported. By law they are not allowed to report information that comes from a third party it must come from the company that filed the information or it must come from the company that owns the said debt. I sent all three bureaus the attached letter where the state of Colorado said that they do not report this information to the credit bureaus and the credit bureaus obtain this on their own. That makes this against the FCRA and the FDCPA I want this bankruptcy removed from my credit profile immediately
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX : {$560.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report has inquiries made by online payday loan places that I have never gotten in touch with. They have my social security number and it was not by me. It's fraudulent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

it is a wrong report about a home owner line of credit was paid in full and closed 3 years ago for State Employee Credit Union in North Carolina. The company XXXX report this account like closed but no paid in full.
Product: Credit card or prepaid card

I recieved a total of five fraudulent transactions on my Apple Card ( Goldman Sach 's Mastercard ) between XX/XX/2020 and XX/XX/2020. These charges are as follows : 1. XXXX, XXXX, AZ for XXXX on XX/XX/2020 2. XXXX, XXXX, AZ second charge for XXXX on XX/XX/2020 XXXX. XXXX XXXX XXXX   and XXXX XXXX, XXXX, AZ for XXXX on XX/XX/2020 4. XXXX, XXXX, AZ for XXXX on XX/XX/2020 XXXX. XXXX, XXXX, AZ second charge for XXXX on XX/XX/2020 After numerous conversations via chat and by phone, all charges were credited due to fraud except for the second XXXX charge made at XXXX on XX/XX/2020. The company is stating the vendor provided evidence that the charge was valid. This is impossible because I have never been to XXXX, and was in XXXX  for these days as shown by other charges on my statements. The first charge from XXXX was indeed deemed to be fraud, but they refuse to acknowledge the second charge for some reason. I requested the information used in the investigation as shown in the attached chat transcript with Apple Card support, was told they would provide it, and never did. I refuse to pay for a charge when it is obviously fraud, I can prove I was across the country when it was made, and all other associated charges were already proven to be fraudulent.
Product: Credit reporting or other personal consumer reports

I paid my car finance off with XXXX XXXX for the amount of XXXX on XXXX XXXX. XXXX XXXX sent me an official release of lein letter on XXXX XXXX which I can provide. On my credit report with TransUnion, XXXX, and XXXX its reporting that I still owe XXXX XXXX an amount of XXXX. Ive contacted XXXX XXXX they told me they will fix but they never did. I disputed this with the credit bureaus but nothing has changed. This is affecting my credit history stopping me from purchasing a home to build a foundation with my family. I also have my car title with no lein hold on it. I would like this account to be removed from my credit report with all three credit bureaus. Can youll please take care before I take legal actions. Thank you
Product: Checking or savings account

My card was being stolen, so I contacted the bank and filed a claim. They denied it and asked for my documents of the police report. After I send all of the filed to them, they still refuse to give me back my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Oh XX/XX/2019, I notice incorrect information oh my Equifax credit report I immediately called Equifax at XXXX numerous of times but to no avail Equifax stated this account belongs to me and would remain on credit I repeatedly stated I know nothing of this collection, I ended the phone call and immediately call XXXX County Sheriff Department, A police report was file " Fraud '' case # XXXX Investigation is underway for Fraud 3degree felony Duty XXXX XXXX # XXXX. This fraudulent remark on my credit Report cause me 79 points,. I have called Equifax over 30 times within the last 2 weeks but to no avail.on XX/XX/2019 the fraudulent account was removed from my Equifax report but remarks caused by the damage of the fraudulent account, loss of 78 points were not and still have not been replaced. XXXX investigator XXXX XXXX Ph # XXXX after her investigation draw conclusions that I had nothing to do with this nor am I in their system 2 ever had applied for a loan accepted for a loan no delinquent on a loan, XXXX XXXX XXXX Ph # XXXX supervisor XXXX XXXX stated that he pushes the account some XXXX   XXXX stated untrue.. somehow Equifax damaging my credit through a fraudulent account r refusing to make it right and put it in the same status it once was before this fraudulent account
Product: Debt collection

I am submitting this complaint on behalf of XXXX XXXX XXXX XXXX, not on behalf of our individual consumer client who had this debt, because I would like CFPB to be aware of Cavalry 's practice.

A couple of years ago, we helped a consumer vacate a renewal of judgment on an old credit card debt with an alleged charge-off date in XXXX. The judgment is not enforceable, and the debt is too old to report on the consumer 's credit report. 

However, we received a collection letter today, addressed to the client c/o our office, stating that she owes the debt. There is no statement clarifying that it is too old for them to report on her credit, and in fact one of the disclosures on the back implies that they will report on her credit. I have attached a redacted copy of the letter.
Product: Debt collection

I've received an email from a collection agency, XXXX XXXX stating there will be a lawsuit for an extensive amount of money of over {$2000.00} for a debt unknown to me. They're representing the company named Speedy Cash, which states there's a balance of {$900.00}, which I've never borrowed. I've never borrowed over {$300.00} and if I did borrow anything from them it was over 9 years ago.
Product: Debt collection

XX/XX/XXXX  They said about was over XXXX. The initial I used was about XXXX and numbers don't add up. They rejected what I could offer to pay at the time.
Product: Checking or savings account

Trying to log on to XXXX to fund my stock market account, and PNC refuses to let my account transfer money every single time. If you try to use a PNC bank account with any app that uses 'XXXX  ', it will not work at all.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the recent lawsuit filed against the major credit bureaus ( Equifax, XXXX, and XXXX ). I have been following this case and I am deeply concerned about its impact on consumers like myself, who have been affected by inaccuracies and unfair practices in credit reporting. 

Over the years, I have encountered several issues with the credit reporting process, including but not limited to incorrect information appearing on my credit report, delays in addressing disputes, and the lack of transparency and accountability from these credit bureaus. Despite multiple attempts to resolve these issues directly with the bureaus, I have experienced little to no satisfaction or improvement. 

The lawsuit, which claims the credit bureaus have engaged in negligent behavior and failed to properly handle disputes or provide consumers with adequate protection, resonates with my personal experience. It is deeply troubling to see these companies, who hold such significant power over people 's financial lives, engage in practices that harm consumers by maintaining inaccurate or incomplete data. 

My concerns include the following : Failure to Correct Errors : Despite submitting disputes regarding inaccurate information on my credit report, I have not seen timely corrections or adequate explanations from the credit bureaus. 

Lack of Transparency : The credit bureaus provide limited clarity on how they handle disputes or the process they follow when investigating errors, leaving consumers in the dark.

Inadequate Customer Service : My efforts to reach out to the credit bureaus for assistance have often resulted in long delays, unanswered calls, or responses that do not resolve my concerns.

Impact on Creditworthiness : The inaccuracies in my credit report have negatively impacted my credit score, limiting my access to financial products and services at fair terms. 

I urge the Consumer Financial Protection Bureau to continue to investigate these practices and take appropriate action against the credit bureaus to ensure they are held accountable for their actions and that consumers ' rights are protected. It is crucial that the credit reporting system becomes more transparent, efficient, and consumer-friendly, allowing for timely corrections and clear communication throughout the dispute process. 

I would appreciate any updates on the progress of this lawsuit and any actions that may be taken to address these ongoing concerns. 

Thank you for your attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURATE INFOMATION ON CREDIT REPORT SO I SENT IN A POLICE REPORT THE BREACH TOTALLY XXXX MY ACCOUNTS UP NOT REPORTING XXXX STATED BY LAW
Product: Debt collection

In advance this is not a refusal to pay so be advised, that this a notice sent to pursuant to the FAIR DEBT COLLECTION PRACTICE AC, 15 USC 1692g stating that your claim is disputed and validation is requested.

This is NOT a request for verification of proof of contact and mailing information but a request for VALIDATION made pursuant to the above named title and section. With due respect I request that your office provide me with competent evidence that i have any legal obligation to pay you. At this moment I will also inform that if any of your offices have reported invalidated information to any of the 3 prime credit bureaus ( XXXX, XXXX, and XXXX ) this action may constitute fraud under both our State and Federal Laws. Due to this, if any negative markis found on my credit reports by your company or the company you represent, I will not think twice in taking legal action against you and your client for such as : VIOLATION OF THEFAIR CREDIT REPORTING ACT, VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT, AND THE DEFAMATION OF CHARACTER YOU ARE CAUSING. So as such if your LLC can provide with the proper documentation as requested in the following statement, I will require 30 days to investigate this information, during which time all the collection activity must cease and desist. Also during this time if any action is tkane that could be detrimental to any of my credit reports i will consult legal counsel for suit, This includes any listing of information to a reporting credit agency that could be inaccurate. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all reference to this account must be deleted and removed from my credit file and a copy of such deletion request sjhall be mailed to me urgently. 
Proof of : ownership of ability to collect the debt and when it was made with the chain of assignments and where with the proper SECURITIZATION.
Product: Checking or savings account

On XX/XX/2024, checking account opened. 

On XX/XX/2024, account funded with {$25.00} On XX/XX/2024, account closed by bank. 

The fund from account closure has never came to me.

Contacted online customer service and was told to call phone customer service.

Then called phone customer service, was told a check was issued. Could not issue another check and asked me to go to branch for help.

Next went to branch and was told to call phone customer service.
Product: Credit reporting or other personal consumer reports

Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Tx XXXX Phone Number : XXXX Email Address : XXXX Last 4 Digits of SSN : XXXX Subject : Identity Theft and Failure to Comply with Federal Credit Reporting Laws In XXXXXXXX XXXX XXXX  I discovered multiple fraudulent accounts and inquiries on my credit reports from XXXX, Equifax, and XXXX that I did not authorize or open. These accounts are directly tied to my compromised personal information. 
Despite my repeated efforts to resolve this issue, the credit reporting agencies ( CRAs ) have failed to investigate and remove the fraudulent items, violating multiple federal statutes, including : 1. 15 U.S.C. 1681c-2 Failure to block fraudulent information within 4 business days of receiving my dispute and supporting documentation.

2. 15 U.S.C. 1681b Unauthorized sharing of my personal and financial information without permissible purpose 3. 15 U.S.C. 1692g Failure to provide written notice of alleged debts within 5 days of reporting.

4. 15 U.S.C. 1681n and 1681o Willful and negligent non-compliance with the Fair Credit Reporting Act ( FCRA ).

5. 26 U.S.C. 6050P Failure to provide proper validation of any alleged debt, including evidence of cancellation or discharge via Form 1099-C, if applicable. 

Fraudulent Accounts in Dispute : Creditor Name : XXXX Account Number : XXXX Type : Credit Card Status : Fraudulent Fraudulent Accounts in Dispute : Creditor Name : XXXX Type : auto insurance Status : Fraudulent Fraudulent Accounts in Dispute : Creditor Name : XXXX XXXXXXXX XXXX Account Number : XXXX Type : personal loan Status : Fraudulent Fraudulent Accounts in Dispute : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Type : auto loan Status : Fraudulent Fraudulent Accounts in Dispute : Creditor Name : XXXX XXXX XXXX  Type : medical service Status : Fraudulent The fraudulent reporting of these accounts has caused significant harm to my financial reputation, including : 1. Denials of credit applications.

2. Damage to my credit score.

3. Emotional distress caused by repeated failures of CRAs to address the issue. 

FTC Identity Theft Report Number : XXXX Notified the creditor ( XXXX ) and initiated a fraud investigation. 
Placed fraud alerts and frozen my credit reports with all three major credit bureaus. 
Filed disputes with XXXX, Equifax, and XXXX. 
Currently in the process of filing a police report.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] are not complete and accurate .

And one more thing according to 15 USC 1681s-2 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: Mortgage

Bate and Switch Tactic was used. 

I was told a rate and price up front with all needed information- rate lock and pricing sheet signed. 

I gave an accurate value of my home and appraisal supported. 

I am now being told that because my home is above 60 % LTV that the cost goes drastically higher. Based on the loan balance and value stated- it was always going to be above the 60 % threshold. 

I feel like the initial banker used inaccurate info to process the original estimate knowing that they could not fulfill but locking me in and making me come out of pocket for the appraisal fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to remove serval accounts that are not mine. I am also having problems with my XXXX  sisters accounts posting on my reports as well.
Product: Payday loan, title loan, or personal loan

I took out two personal loans from XXXX XXXX to help my small business in XX/XX/XXXX. We were paying on time every payment, but my company had a big down turn in last 90 days that we are unable to recover from. We are currently meeting with bankruptcy lawyers and they have advised us to ask the company to stop calling us. They have been calling 4-10 times per day. I requested that they stop calling on XX/XX/XXXX on multiple occasions and they still call, text and email many times per day. We are trying to figure out our options and told them that when they called. They still continue to harass us.
Product: Debt collection

On   XX/XX/XXXX   I told  XXXX  at Gentry Finance to stop calling me and to only communicate with me through mail and she told me that wont happen she will still call me. I have the recorded phone call. Every day s he (   XXXX   ) and   XXXX  still continue to call me after written and verbal to stop calling me. I have asked for a statement showing me where my money is going because I do not get a receipt so I have no proof they are applying it to my bill. They refuse to provide it to me and told me they do not have to. ( I also have proof of this on a voicemail. They have repeatedly left voice mails for me to refinance my loan and goes into detail about it on my voicemail. I should not be past due but they are saying that I am and that is why they will call me. They keep calling my family, friends and other family members that I do not even talk to much and was not listed as a reference or a contact on my loan agreement. They know my address and my phone number since I have talked to them on it and they have left voicemails so they should not be contacting my references. They told me they are going to take me to court unless I pay them the amount they are requesting. I am not going to pay this amount, I want a statement as of the validity of this debt amount. I want them to stop calling me as I have asked and my family members, there is no reason to continue with the humiliation from them being constantly called. Now they have a company calling me telling me they are taking legal action against me that I need to pay the debt. The voicemail says that I need to contact them before they take any legal acti on against me ( on my voicemail )  from  XXXX . When I try to contact this number back, my phone company will not let the call go through because it says that it is not a working number. There is no reason they need to call me every day. They leave me voicemails daily and my account is not even past due. They call me daily and it is always the same  two  people,  XXXX  or  XXXX . I have told them both that I do not want them to call me and I only want communication through mail and  XXXX  told me they will continue to call me. I do have the proof because all calls to them are recorded. I have read up on the laws and I have the right to request a statement of validity of the amount and I also have the right to request they do not call me, and I am choosing to invoke that right but they will not follow it. I am not trying to dispute the debt just the amount. I want to know that every penny that I am paying is going on the debt and not in some ones pockets since I only pay with money orders. I have had a    XXXX   XXXX    and they still continue to call me and they have my nerves shot. I am a nervous wreck. They have disclosed information to my family which is making me really struggle going around my family due to embarrassment. I have a hard time sleeping because of the way they harass me then talk to me when I do talk to them. I really need some  one h elp to make them stop. This is not fair, I am not behind! I can provide this proof in the voicemails and in the calls. I can pull the records and the recordings.