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

I am writing to formally inform you that I am a victim of a data breach, and I have identified fraudulent activity on my credit report. I request that the following account, which is a result of unauthorized activity, be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Account : XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/year> o Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



TransUnion NAME : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX  CURRENT ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NAME : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collections : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS ARE OR HAS RESONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INCORRECT ACCOUNT XXXX XXXX XX/XX/XXXX ACCOUNT XXXX DATE OPEN XX/XX/XXXX ACCOUNT XXXX XXXX XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX ACCOUNT XXXX OPENED XX/XX/XXXX
Product: Vehicle loan or lease

I had a lease with GM Financial for a XXXX XXXX. At the end of the lease term, I worked with my local credit union to get a loan to buy the car. I closed on my auto loan on XX/XX/XXXX. The loan amount was based on the payoff information provided by GM Financial. In XXXX, I received a call from GM Financial advising me that my lease payment was late. When I told them I had purchased the car, they said they did not have that information. I called the dealership who sent GM Financial the check and they show that the check cleared on XX/XX/XXXX. GM Financial reported a late payment to my credit bureau.I have called them multiple times and they refuse to remove the late payment report.Every time I call they act like they have no idea what I'm talking about, why I'm calling. They told me that the dealer needs to send them a copy of the cancelled check ( which they have done ). Nevertheless, GM Financial will not remove the negative report from my credit.
Product: Student loan

I am tired of trying to fix problems with Navient f/k/a XXXX XXXX. I have spent cumulative weeks on the phone with their customer service over the last 8 years. Most of whom do n't even understand you because they do n't speak XXXX. And when you finally get through to them they ca n't help you because they are n't authorized. Enough is enough. <P/>Recently I noticed that I have the same {$6.00} unpaid fee appearing on my monthly statements. I pay the amount every month, and it never goes away. The statement does n't explain what the fee is for. But I keep getting charged over and over. It never disappears. From XXXX 2016-current ( the only statements available online ), that adds up in 8 months to over {$50.00}. For something that should have been {$6.00} and that I do n't even know what its for.
Product: Checking or savings account

Transactions were made that were unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX locations were credited back to my account. The XXXX charges were then permanently credit back, but XXXX XXXX XXXX was not. 

Submitted police report and documents showing the account were fraudulent with these merchants. 

Bank of America reviewed and refused to remove these charges. 

Charges were {$1200.00} in total.
Product: Credit reporting or other personal consumer reports

DISCOVER FINANCIAL SER - XX/XX/year> CUDL/IQ CREDIT XXXX XXXX XX/XX/year> XXXX XXXX XXXX - XX/XX/year> OREGON XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> RELIABLECRED - XX/XX/year> XXXX XXXX, XXXX XXXX - XX/XX/year> XXXX XXXX, XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX CU- XX/XX/year> XXXX XXXX, XXXX XXXX XXXX XX/XX/year> DIPLOMAT MOTORS- XX/XX/year> XXXX XXXX - XX/XX/year> XXXX AND XXXX MOTORS - XX/XX/year> EMBOLD CREDIT UNION XXXX OREGON XXXX XXXX XXXX
Product: Credit card or prepaid card

This complaint is related to Complaint # XXXX. 

On XX/XX/2019, XXXX XXXX ( Walmart ) pulled an unauthorized amount of {$300.00} from my XXXX  checking account. As of today, XXXX XXXX  has told me that they can not locate the payment that they pulled from my bank account on XX/XX/2019. I called my bank, XXXX XXXX, and reported this issue and asked that this payment be reversed. That unauthorized transaction was reversed from my bank. As a result, XXXX XXXX  has added the {$300.00} to my account as a charge, although they say they couldn't locate the XX/XX/2019 transaction. Plus, now they've added a late charge to my account in the amount of {$27.00} and I've never made a late payment. 

My Walmart account was transferred to Capital One on XX/XX/2019. Per my conversation with Capital One personnel and one of the letters that I've received from XXXX XXXX, they keep erroneously referring to the {$300.00} payment amount that I did authorized on XX/XX/2019.
Product: Credit card or prepaid card

XXXX. A relationship was established with merchant XXXX with a reoccurring monthly billing of {$2.00}. The only authorized email for use with any and all of Podomatic services is the identical email used for PNC financial services. Notwithstanding the same, it came to my attention on XX/XX/2023 that XXXX has been sending credit card, invoice, and other information to the XXXX address XXXX which address has been flagged for fraudulent activity and is not authorized for use neither with PNC nor XXXX. 

XXXX. PNC employees/workers/contractors, etc., what have you, engaged in criminal activity have been sharing such information, apparently, to advance fraud and identity theft via the capture of credit card and account information. It was my intent to cancel Podomatic services prior to this recent billing on XX/XX/2023, which I intended to do upon receipt of the XXXX ( XXXX ) day notice of billing in advance by XXXX. I was precluded from doing so, as it appears that PNC employees/workers/contractors, etc. colluded with XXXX to send the billing notice and actual billing/receipt info to the expressly forbidden XXXX email XXXX.
Product: Checking or savings account

On XX/XX/2021 my car key was stolen, the stolen key was used to get into my my car, my wallet was stolen from the car with my Chase debit card, one other debit card, a XXXX XXXX credit card, a drivers license in the wallet, plus my cell phone was stolen. The thief or thieves used my Chase card to charge more than {$14000.00} at two different department stores ( XXXX XXXX and XXXX XXXX ) as well as using the other debit card and the credit card to make additional charges of more than {$6000.00} at the same XXXX XXXX. I notified Chase of the theft within 24 hours of the theft and disputed the charges. I provided Chase with the name and contact information for a witness who let me use his cell phone to call XXXX, who can attest I was either in the ocean surfing or standing by the side of the road waiting for XXXX when the charges were made at stores 10-12 miles away. I also submitted voluminous documents, which are attached, proving I could not have been present at the XXXX department stores where the charges were made, including records from XXXX showing that I was stranded by the side of the road waiting for a XXXX technician to cut a new car key at the time two of the three fraudulent purchases were made. 

In addition, the transaction history on my Chase account shows that my wife and I have never used the debit card to make a purchase at a store for more than about {$150.00} dollars, nor have we ever purchased any item at either the XXXX XXXX or the XXXX XXXX store on our Chase card. I also filed a police report with the XXXX XXXX Police Department, which is also attached. The XXXX XXXX services fraud investigator has concluded that the {$4200.00} charges on the credit card at XXXX 's was fraudulent ( that resolution letter is also attached ). 

Chase denied our claim initially, but reopened it when I provided additional documentation. However, the again denied the claim on XX/XX/2021. This denial is inappropriate under the Electronic Fund Transfer Act, 15 USC 1693g because I did not authorize the transaction and timely reported it
Product: Debt collection

I have 2 credit card with bank of america and it was opened in XX/XX/XXXX. In XX/XX/XXXX, I got delinquent and default and result for debt cancellation in XX/XX/XXXX. I got XXXX from Bank of America. As of now, I attempted to do refinance my house to fix my mortgage. However, I checked my credit and Bank of America still reported that I owed {$32000.00} for both credit card. I attempted Bank of America to get clearance and they come back and asked me to pay off the debt. Even though they said they had issued XXXX but they still have the right to ask me to pay off. They know that I need to clear that has been charged off and cancelled debt was issued in XX/XX/XXXX. They still asked me to pay in full balance.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX  as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting

On my credit report it list that I have XXXX open accounts, XXXX closed accounts and XXXX negative accounts. Of the negative accounts still on my report I have paid XXXX of the XXXX off either through an " I Pay Debt Agency '' or by myself but yet they are still listed as diliquent even after being paid off and closed. Some accounts that are opened have XXXX balances but still show as negative on my report and i also have XXXX XXXX XXXX who transferred my Mortage over to XXXX after defrauding many of their customers 's and getting them into loans which put many customer 's including myself into jeopardy of possible foreclosure. Can someone please review my report and help me get it straightened out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that the dispute settlement account from XXXX XXXX XXXX be removed from my credit report. I recently settled a debt with XXXX XXXX XXXXXXXX for {$470.00} and the debt was paid in full. As a result, I would like to have the dispute settlement account removed from my credit report. I am providing a copy of the settlement agreement and payment receipt as proof of the debt being settled. I am also including a copy of my current credit report so that you may verify that the account is accurately reported. I thank you in advance for your prompt attention to this matter.
Product: Debt collection

I typically pay this store credit card off each month ( Home Depot ). This last month I've had a cash flow issue with my business. I paid what I thought was the minimum but it was {$26.00} short. My balance is only a few XXXX dollars and I am fully aware I need to make another payment and intend on paying as soon as I am able to collect from my clients. Citibank has been calling my business line at least twice a day for over a week straight. This is excessive, unacceptable, disruptive and aggressive. NONE of my other accounts harass this aggressively over a minimum balance due, especially one so small. I do not have a history of evading payments or anything else that world warrant blowing up my phone with calls and voice mail messages.
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 transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Account status XXXX XXXX updated XX/XX/XXXX Account type Charge Card Payment status XXXX XXXXas past due XXXX  days Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Usage 0 % Monthly payment {$0.00} Past due amount - Highest balance {$520.00} Terms Revolving
Product: Mortgage

WELLS FARGO DISPUTE 15 U.S. Code Subchapter I - CONSUMER CREDIT COST DISCLOSURE 15 U.S. Cod e  1611 -   Criminal liability for willful and knowing violation In review of my home equity documents that I received on   XXXX   XXXX   XXXX  , I do not see a rig ht of rescission pursuant to 15 U.S. Code 1635 - Right of rescission as to certain transactions. This is a violation of the consumer credit protection pursuant to 15 U.S. Code 1611 - Criminal liability for willful and knowing violation- Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Product: Credit reporting or other personal consumer reports

On all three credit reports there appears to be a name, XXXX XXXX, associated to me which I have never used. 

A loan company is demanding I sigh a form saying I had obtained credit under that name I never have. They refuse to remove it. 

I will not approve possible ID theft attempted on my name. I have no way of knowing what this is associated with. 

How can I remove this to get my mortgage company to continue my application.
Product: Credit reporting or other personal consumer reports

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law.
Product: Checking or savings account

On Wednesday XX/XX/XXXX I went to use my XXXX XXXX Chase account at XXXX in a grocery store. My card declined. I then tried to transfer money, my mobile banking app stated my account wasnt allowed transfers. I called XXXX XXXX they stated my account was frozen due to a claim and could give me XXXX information. They stated I would receive something in the mail and I have yet I have anything delivered
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding Rocket Mortgage : When attempting to login to the Rocket Mortgage site to pay the XX/XX/2023 payment, a pop-up briefly appeared prior to presenting the home page. 

Having two mortgages the same pop-up presented itself when attempting to login separately for each account. Only after the second login was I able to read the small window of the pop-up. It appeared for less than 3 seconds, with no action on my part dismissed itself, presented the payment center page and thanked me for " signing up for free credit monitoring. 

Not only did I not desire the " Free Service '' I was able to rapidly determine that there was no " opt out '' option available. 

Upon contacting Rocket Mortgage 's Account Resolution Team, they told that their I.T department would not remove this " feature '' from my account because I voluntarily signed up for it. 

If just attempting to use the the Rocket website is tacit approval for anything their I.T. deems useful to their business model I guess I'm guilty.

This type of behaviour is at least appalling and at worst a direct violation of the privacy rights of the consumer. 

I hereby formally request that Rocket Mortgage cease and desist in this deceptive and intrusive business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

As a stall tactic for not having to remove inaccurate, outdated and Hippa violation accounts reporting to my credit report ; Equifax has place a 90 day fraud alert to my credit report and sent a letter to XXXX and XXXX advising them to do the same. I NEVER requested a fraud alert as the letter stated.
Product: Checking or savings account

I am filing a complaint With CFPB regarding Capital One failure to deposit my direct deposit from my employer into my direct account. Capital One has stated technical which may violate the electronic funds transfer act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I submitted paperwork to Equifax about incidents of Identity Theft, as of XX/XX/2018 they still have not removed the fraudulent data from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've wrote through several letters of attempts to remove inaccurate information and accounts that are in FCRA violations from XXXX XXXX XX/XX/2020. These accounts are still reporting on my credit profile. Multiple accounts are in FCRA ( DOLA ) Date of Last Activity violation by re-aging an account, The accounts are reporting inaccurate and different high balances, The accounts are reporting different and inaccurate Account Status, The account are reporting accounts Dispute status as : Account not disputed when the account has been disputed multiple times which, is a FCRA violation. Some accounts were transferred and/or sold and still reporting a balance, this is a FCRA violation. Several collection accounts are reporting a payment status, which is a violation. Collection accounts are closed and should not report late payments.
Product: Credit card

I asked for a credit card but I never got it. I didn't spend any money but I got the statement which is about {$18000.00}. I called the credit card company and i explained to them i didn't receive any credit card but still they did not solve my problem. and aked me to pay with interest {$28000.00}.
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 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 or other personal consumer reports

I pulled my credit reports and saw some information I can not verify. I'm requesting you to Please see details on specific reasons Im challenging these accounts and do an investigation into this matter. Please contact the furnisher of information for verification of these accounts as well.