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

As a consumer and resident 's of the state of Missouri, I will excercise my right to file suit against the credit reporting agency inwhom is reporting unverified and unauthorized accounts inwhich has no certified physical documentation attached to it, but instead is being verified by electronic means inwhich can not be accepted as proof. So I'm demanding either you provide me with certified signed documented physical Verification, or block these accounts within 72 hrs upon receiving this. Please block the following : ( 1 ) XXXX XXXX XXXX, ( 2 ) XXXX {$940.00}, ( 3 ) XXXX XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX Late Dates : XXXX, XXXX XXXX Late Dates : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have identified these items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : XXXX XXXX XXXX. And hard inquiries that include : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.
Product: Checking or savings account

I am writing to report an incident of identity theft in which an unauthorized checking and savings account was opened with Capital One using my personal information. I initially reported this fraudulent activity to Capital One on XX/XX/year>. At that time, I was informed that I would receive a letter confirming the closure of the account due to fraud and verifying that I would not be held liable for any transactions associated with it. However, I have yet to receive this letter. 

On XX/XX/year>, I reached out to Capital One again and was informed that they were still investigating the matter. Unfortunately, they were unable to provide a specific timeframe for the resolution of this issue. 

Most recently, I contacted Capital One on XX/XX/year>, and was told that the necessary steps have been taken. Unfortunately, I was not given details regarding the specific steps that have been implemented, nor was I able to confirm my release from liability for the fraudulent activity. I was provided with the case number XXXX for reference. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request written confirmation that the account has been closed due to fraud and that it will be removed from all reporting agencies. Thank you for your attention to this matter.
Product: Checking or savings account

On XX/XX/XXXX My first Social Security check for {$970.00} was sent to a closed account at Chase bank, that I closed due to fraud activity on the checking account ending in XXXX. 
Chase bank kept the funds and never refunded me, due to a balance that was from the fraudulent activity. Social Security sent the funds to the wrong account. Chase bank refused to release the funds back to me, knowing I filed with them my account was closed due to this activity. 

On XX/XX/XXXX, Social Security, once again, sent the funds of {$1000.00} to Chase bank, in which they took {$220.00}, from my Social security, stating that, there was a past due balance on the account, and sent me a check for {$830.00}, without any reason for the deduction, and refuse to send me the funds. 

It is my understanding, that Social security is a Proctective payment from any creditors and debt collectors as long you receive them via direct deposit to your bank account. per SSR 79-4 Section 207, 452 ( b ) ,459 and 462 ( f ) ( 42 U.S.C 407,652 ( b ), Levy and Garnishment of Benefits. I never was sued or had a court order for payment of any balances owed to Chase bank. This action came from Chase bank collection department.

I am seeking {$1200.00} to be return to me immediately, and punitive damages of the same amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Therefore, without giving me the opportunity to opt out, your institution furnished nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). This is a blatant violation and infringement of my consumer and privacy rights but you have also violated multiple Federal Laws as you are intentionally withholding consumer rights information from borrowers by not providing an " opt out '' clause or opportunity in the same agreement. Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications to any non-affiliated third party including XXXX XXXX XXXX. regarding " LATE PAYMENTS '' Regarding XXXX XXXX  # XXXX The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA and FDCPA. If you do not cease communication I will escalate the matter to a Federal Complaint. Any further contact regarding LATE PAYMENTS by you, GREATER XXXX # XXXX your Agent or any affiliated party to non-affiliated third parties except a communication, confirming your acknowledgment of this letter within 7 days of receiving this notice, is in violation of my Federally Protected Consumer Rights. I would also like to further clarify that I am writing on my own behalf as an educated consumer and have not hired or outsourced this correspondence to a lawyer, credit repair service or any individual. Please do not provide me with specific information regarding the account since this letter is not addressing, disputing the inaccuracy or discussing verification or validation of the alleged LATE PAYMENTS. Please do not provide me with statements, payment history, or any other specific details pertaining to the account. This cease and desists only gives you consent to remove. LATE PAYMENTS and is not consenting you to REMOVE, DELETE or SUPPRESS the entire account information from my credit report. You are to only delete and remove ALL LATE PAYMENTS. Any other action taken outside of the stipulations outlined in this letter will e viewed as an ADVERSE ACTION and will constitute further violations of my consumer and privacy rights. I also require that this letter is to be read by a human being that is qualified, trained and equipped to provide an appropriate response. Task that you respect my consumer rights.
Product: Vehicle loan or lease

Chrysler Capital sent a tow truck to steal my automobile I had XXXX XXXX dollar worth of securities of certificate of indebtedness and marketable securities I sent them a cease and desist in XXXX with a debt validation letter to prove I owed a debt .. in XXXX of XXXX a tow truck came and stole my automobile that I came outside and locked and I put the emergency break on and locked the door because I herd the horn go off.. I filed a XXXX XXXX showing I had no debt to the tow company and they still sold automobile to XXXX XXXX without my consent!!! I gave my automobile to a business and they put a lien on the automobile. I would like to take legal action against all parties involved!!! And XXXX XXXX dollars for stealing my securities
Product: Credit card

Concora Credit bought out Genesis. They advertise that you qualify BASED ON THE INFORMATION THEY HAVE not to mention they hit your credit with a hard inquiry immediately. They then ask you to send extremely sensitive information by Fax or by Mail. 

No one is sending copies of these things. We use this card to continue building credit on MY end. My husband has been helping with having me as an authorized user, but we can not in good faith send a copy of my sensitive information when I already have a card with the SAME COMPANY and they have yet to send a card since my previous one expired.
Product: Credit card or prepaid card

XXXX   XXXX  I applied for a secured credit card  ( S ecured  Visa ) with US Ba nk. This secured card is specifically marketed to individuals with less than average or poor credit to assist them with improving thei r credit score.  As with most secured cards, applicants must transfer/provide the full amount of their credit line as a deposit for the card.      XXXX / XXXX /  XXXX   : I received notice from USBank stating that my application was not approved at this time due to " Your debt to income ratio exceeds established maximum guidelines. The total monthly income amount recorded on your app was {$2500.00}. The monthly housing payment recorded on your application was {$0.00} ''.     The notice further states for me to call them if my housing payment is not accurate.     My complaint is as follow  s : 1. The notice suggests I was denied for not having a monthly housing expense, which is unfair considering the home I live in is paid off and I live with my mother.
2. Any individual with poor credit will have a high debt to income ratio which is why such individuals apply for secured cards. Therefore, this particular card should not exclusively use credit as a factor.
3. I called US Bank 's customer service line and spoke with an unfriendly representative. She stated that ratio guidelines were set by the federal government. I then asked her what was the maximum according to those guidelines and she responded that the information was confidential. Confidential federal guidelines?
4. If delinquent accounts or poor credit history is a factor, credit companies ALWAYS state so as the reason for the denial. That was not the case with this application, leading me to believe that there are other biased factors that may contribute to the denial of a SECURED card requiring full deposit of the credit limit requested and may require federal investigation.
5. Whether US Bank uses federal guidelines or their own, that is critical information that should be provided to any consumer requesting approval, especially if the consumer is suffering from poor credit and specifically seeking to restore such credit. The hard inquiry also means a point reduction in credit score making any preventable denial a disservice to the consumer.
6. US Bank had internally decided to discontinue the card prior to the denial of my application. I believe this to be the real reason my application was denied. The card is also no longer being offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and I have an unauthorized account from XXXX  XXXX that doesn't belong to me as well as 20 plus inquiries that don't belong to me and were unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted LexisNexis about a bankruptcy appearing on my credit report from XX/XX/2010. I asked the rep at LexisNexis how they verified this account as accurate, and he stated that they obtain their information from public records and sell it to the 3 bureaus ; XXXX, XXXX, and XXXX for profit. Under the FCRA laws, LexisNexis MUST obtain their information DIRECTLY from the ORIGINAL CREDITOR of the account, or it should be deleted from my credit report immediately. As you can plainly see in this letter which I have included from the United States Bankruptcy Court in XXXX, ND, the Clerk of Court states that " The Court does not send this information directly to these entities. '' If LexisNexis is not verifying this account information with the ORIGINAL CREDITOR, they are in violation of FCRA laws, and this bankruptcy should be deleted from their records and from my credit report immediately.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal, as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent TransUnion documentation multiple times, more than 60 days ago, regarding identity theft and fraudulent accounts and inquiries on my credit report, including the Federal Trade Commission Identity Theft Report. The FTC Report listed the fraudulent accounts and inquiries. I have also spoken to several representatives regarding this issue. TransUnion has refused to complete the investigation as required by law, and refuses to re move the fraudulent inquiries, stating that they " are not required to remove inquiries and will come off after two y ears. '' Fradulent credit inquiries on my report include :  XXXX  Mortgage,  XXXX  Bank,  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX  Cr,  XXXX  Ca  rd.
_________________ Tracking Number :    XXXX   XXXX ,  2017  :  XXXX  ;
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

ALLY FINANCIAL XXXX Balance {$8700.00} XXXX XXXX  XXXX Balance {$240.00}
Product: Checking or savings account

Ive been a loyal PNC customer for a long time, and this is the first time Ive experienced something like this. A XXXX friend posted that her uncle was moving to a retirement home and she was selling some of his belongings. I inquired about a car, and she confirmed it was available, mentioning they were asking for a {$1000.00} deposit. I sent {$500.00} initially and then another {$500.00} later. Shortly after, she messaged me saying her uncle was requesting more money. Thats when I realized this might be a scam. 

I immediately contacted PNC Bank to stop the payment and followed their advice to start a dispute. However, I received a letter stating that my claim was denied because the payments were authorized. Given my history as a customer and the fact that this was a clear scam, I would like PNC to reconsider and reimburse my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports with all three agencies, Experian, XXXX, and XXXX consistently contain identifying information ( i.e. addresses, telephone numbers, etc. ) which do not belong to me. Sometimes the information belongs to my ex-husband, other times it belongs to god knows. I have tried to work at getting this adjusted, however, the only thing I am ever told is that they can not verify my identity and that I need to touch base with whatever agency ( e.g. XXXX XXXX ) to inform that they ( the credit agency ) can not verify my identity. I have no idea how to go about getting the information corrected as they have never provided guidance on doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them. 


I have been the victim of fraud since 2014 and have had to combat it ever since.

These accounts are the result of fraud, I have never opened these accounts or had any knowledge about these accounts till now. I have the police report and I have the Federal Theft Affidavit. This is getting out of hand. 

Under the FCRA 2009 ( b ) ( 3 ), these accounts are known to be fraudulent, are the result of fraud and I am now asking that you do your duty under federal law to cease and desist.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Student loan

I experienced some health issues XX/XX/XXXX and was hospitalized in XX/XX/XXXX and XX/XX/XXXX. At the time, my student loans were still within the grace period, with the exception of XXXX consolidated loans. As soon as I was made aware that my loans were coming due, I spoke with a customer representative and explained my recent health complications and my inability to make the large student loan payments. I was told that I could apply for the income-based repayment plan and to complete the application online. My first attempt to complete the online application was in XX/XX/XXXX. I was later contacted by FedLoan about my payment status. I informed the representative that I completed the online income-based repayment application. The representative was unable to locate the application. I made several more attempts in XX/XX/XXXX and XX/XX/XXXX. I contacted FedLoan and StudentLoan.gov regarding the issues with the online application. There are online-accessible records reflecting XXXX of my XXXX, XXXX attempts. It was not until XX/XX/XXXX that the application was able to be processed and this was only after an hour or more conversation with a representative that assisted with the application and technical issues. The representative kindly stayed on the phone with me until she was able to see confirmation of the completed application since I had previously submitted several applications. At no time during any one of the numerous conversations with the representatives from XX/XX/XXXX to XX/XX/XXXX, was I ever told to request a forbearance to resolve the late/outstanding payment. Rather, due to the technical issues we were advised that the issue would be resolved upon the approval of the repayment application. It was not until I received a subsequent call regarding the late payments, which were not the income-based repayment amounts, was I told that the late/outstanding payments issue had not been resolved but that I could now request a forbearance since I was unable to pay the delinquent amount. I completed the forbearance request and was later approved. It was not until recent that I discovered the late payments reported to the credit bureaus. I submitted a dispute based on the forbearance and was information that retroactive forbearance do not relate to any credit reporting, which I think is unacceptable but nonetheless. However, my XXXX consolidated loans began reflecting late payments when I was experiencing health issues. More importantly, the late payments reported for XX/XX/XXXX and XX/XX/XXXX do not accurately reflect the circumstances and inability of processing my numerous repayment applications through no fault of my own and due to technical and/or communication issues with StudentLoan.gov and Fed Loan. Additionally, I should have been made aware that the application issues would not resolve any outstanding payments and advised of my option to request a forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because the consumer reporting agencies are ignoring my dispute letters and they are reporting inaccurate information and VIOLATING my consumer rights in many ways. I first contacted them in XXXX and still havent received a letter in the mail about my disputes. When I contact via phone they keep directing me to send letters which I have done so three times already. I am very upset. 


Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card, The Credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should alb removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that they remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I demand that they delete the disputed items immediately due to them violating federal law.
Product: Credit card or prepaid card

My credit score is good/better than most, but these guys raised my rate from 12 % on inception to over 21 % for no reason. I would see if my score has gone way down, but no it remained same or gotten better. I received NO notice of increase and would like a refund of interest paid since change.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you