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

I went to XXXX XXXX they sold me the vehicle that only lasted 3months. They refused to give up a copy of the original contract. They are tied in with credit acceptance and they prey upon the XXXX. XXXX XXXX owner threatened to have the XXXX XXXX XXXX to come to my house. This is another extension to credit acceptance trauma. As for transunion XXXX and XXXX. I dont believe that the people who answered the phone understand that under Fcra all reporting has to be accurate and The law does not offer wiggling room. Niether agencies will throughly investigate because they are XXXX XXXX with XXXX  yet alone Americans law. I am formally complaining about all XXXX credit bureau. And they should all be investigated for lack of up holding consumer rights and laws. They basically report off of each other without actually checking for required information. No original contract no signature required I did not buy the Car online. credit reporting agency refused to go any further than look at my account information I want a full investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Under U.S.C 1681 vin accordance with the FCRA, The listed accounts below has violated my consumer federally protected 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 

They also didnt even record the current status of the disputed information which is another violation..
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted all the required information and proper legal identification regarding my personal name and my current and existing address to XXXX and XXXX as well as Equifax, and all 3 bureaus refuse to update my personal information, since certain collections are either linked to aliases or phony addresses. 

All the bureaus refuse to acknowledge my request disregarding the proof submitted and none have the same reporting information or credit score to match with one another.
Product: Credit card

about XX/XX/year> charges : I was the victim of Identity Theft in XXXX. I informed Chase about the issue, and they did nothing to stop it. I contacted them via email, online message, phone calls, and social media chat/support. They refused to block the charges, or cancel and issue a new card, or even investigate. 

As part of my due diligence to report the fraud and identity theft to FDIC, i also started to put credit freeze on my name, and I requested a number of cards and accounts to be closed. Chase did not close my accounts upon request. Instead they marked them as closed due to bank decision, which is also fraudulent and vindictive. They have since personally blacklisted me to open new cards as a matter of revenge. This action of a multi XXXX dollar profit company against a individual consumer seems unlawful. 


This is not a duplicate, and the issue has not been resolved, and I'm going to continue to submit specifics for this month and every other date that is affected by this until there is a resolution. In XXXXXXXX XXXX XXXX, there were fraudulent charges on all of my Chase credit cards. Although I reported this to Chase, they took no action. Eventually I closed all cards to resolve the identity theft issue. Since that time, Chase refuses to allow me to open a new card or account, even though they are responsible along with me being a victim of identity theft.
Product: Debt collection

XXXX XXXX XXXX, AFNI, XXXX XXXX, XXXX XXXX   ... 4 different company request demand same payment on account not mines VIOLATES '' FCBA AND FDCPA '' ... REMOVE, CLOSE AND DELETE FRAUD ACCOUNT FROM FILE ASAP
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed an inaccurate late payment on my report.
Product: Mortgage

I pay my mortgage electronically I usually add an additional XXXX for principle payment every month. I paid and extra XXXX to principle in XX/XX/XXXX and noticed the payment wasn't applied correctly even though the system and payment method was abundantly clear when I submitted it online. I called to have to payment reallocated and asked them why it wasn't applied correctly they told me the system had a glitch and said since the payment was over a regular payment amount it just future pays instead. I let is go because I don't normally pay that much every month. I decided I wanted to try and start applying an extra XXXX every month I could so this month on XX/XX/XXXX I did that. The system once again applied it to future payments even though I clearly applied it correctly as stated in the correct fields in the online system. They are being deceptive in the practices for payments to hope that clients don't pay attention and they get more money towards interest verse the clients expectations on the principle balance they are trying to pay down on. I shouldn't have to call every time I pay extra and have them fix it. This is a shady company in my opinion. I want all my online payment to be applied correctly. The system states it can be applied up to XXXX so I'm not sure why it's not. When I call they say it's a glitch or I'm not applying it correctly and that is not the case. My email receipt reflects exactly how I applied it. But some how when I see how it was actually applied it's future posting and not being applied to principle. This is very deceptive. Please look into this and help find a resolution so every month when I apply my extra money to be rid of the shady company I'm not wasting my time calling every month to have my payments fixed which they hope people won't look so it's in their favor.
Product: Debt collection

In XXXX I found out that I have a fraudulent utility bill in collections with a company named NATIONAL RECOVERY AGENCY by way of a XXXX XXXX XXXX. I contacted XXXX XXXX and told I never even lived at the address they had in New York as well havent lived in New York since in high school. They tell me the collection agency has to remove it because wits been sold to them. I contacted the collection agency and they gave me the run around and this is CLEARLY IDENNITY THEFT when this even even my information or state I live in. They have used my social and name to open accounts in New York and I want it REMOVED off of my reports immediately. This is my last attempt before this goes legal as I have NEVER had any utilities in the state of New York. I havent lived there in DECADES
Product: Credit card or prepaid card

Begin forwarded message : From : Bank of America XXXX Date : XX/XX/2023 at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Activity Alert : Your credit card is on the Way Reply-To : Customer Service XXXX Bank of America? 
Activity Alert Credit card ending in XXXX Your credit card is on the way XXXX XXXX XXXX XXXX, Your credit card ending in XXXX was mailed on XX/XX/2023 to this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Your card will arrive within 7-10 business days. 
When your new card arrives 1. Activate your new card immediately to begin making purchases.

2. Review the additional detail provided with your card documents.

If the address listed above is incorrect or your card isn't received in the specified timeframe, please contact us immediately. 

We'll never ask for your personal information such as SSN or ATM PIN in email messages. If you get an email that looks suspicious or you are not the intended recipient of this email, don't click on any links. Instead, forward to XXXX then delete it. 
Please don't reply to this automatically generated service email. 
Privacy Notice XXXX XXXX XXXX Bank of America , N.A . Member FDIC 2023 Bank of America Corporation
Product: Credit reporting or other personal consumer reports

My wallet was stolen out of my vehicle in XX/XX/XXXX. All my credit cards were stolen out of it. This includes my XXXX XXXX XXXX credit card. I disputed charges, transferred the balance to an entirely new account with a new card, and closed the account that had been stolen. I have been paying the balance on the new account without any issues. However, TransUnion notified me that XXXX XXXX XXXX in fact did NOT close that account until XX/XX/XXXX, and that Market is reporting it as past due and hitting my credit dropping it significantly. They also didn't eliminate the charges that were fraudulent. They, however, removed my access to this account so I can't see anything from the old account. They are refusing to provide copies or proof of any charges or balances and the dates associated. I have called numerous times. It isn't possible for me to pay a XXXX balance on an account that was supposed to be closed due to fraudulent charges on that account, which also I happen to NOT have access to. They are claiming a balance exists on this old account but can't provide any proof of why it exists because the entire balance had been transferred to a new account. There were fraudulent charges on the old account that were supposed to have been reversed. They are refusing to close this old account and damaging my credit. I wasn't even notified by XXXX XXXX XXXX that they were doing this. I was notified by TransUnion. This is blackmail and fraud. I have police report numbers if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've tried to get this account remove from my credit report on numerous occasions. I do not owe XXXX XXXX XXXX any money and this account need to be remove from my credit file. I have asked this credit reporting company to investigate this account and have it removed because they are allowing XXXX XXXX XXXX report inaccurate information. XXXX XXXX XXXX is trying to make money off of me for no reason and I owe them nothing they are a debt buying company and I 've asked for proof showing I owe this debt and also a debt validation/debt verification and also a copy of a lease showing I owe {$780.00} in which I owe {$0.00}. Please have this company remove this account from my credit file asap. This XXXX XXXX XXXX account is listed as a collection account with Experian please remove from my credit file.
Product: Bank account or service

Violation of personal financial privacy. 

I have been banking with Bank of the West for several years. I used an ATM card to view my account, pay my mortgage and transfer money from one account to another. Recently, Bank of the West replaced all the ATM cards of their customers with debit cards affiliated with Mastercard. I verbally complained to the XXXX Branch that I do not want that service as it made my checking and savings account vulnerable to fraud. I was told that it is now company policy to issue only debit cards as Bank of the West signed an agreement with Mastercard. 

Bank of the West has provided my personal financial information to an outside company. Bank of the West did not provide an opt out of replacing my ATM card with a debit card. 

I filed a complaint the the California Office of the Attorney General
Product: Credit reporting, credit repair services, or other personal consumer reports

Original debt was with Care Credit. Debt was charged off and sold to XXXX XXXX XXXX. Case was filed in XXXX County FL and entered mediation. Debt paid and suit dismissed. Care Credit continues to report account as currently being charged off as recently as XX/XX/XXXX/XX/XX/XXXX. Account paid and dismissed in XX/XX/XXXX. Request with credit bureaus to correct via dispute have been found in favor of Care Credit and NOT removed.
Product: Debt collection

I initially started to receive calls from a XXXX area code on XX/XX/XXXX. I didn't recognize the number, so I didn't pick it up. Then, several calls from a XXXX area code started to ring to my phone ( my home area code ). I picked up the calls and it turned out to be XXXX XXXX from RAB Inc who claimed that I owed money for wine that I purchased as the owner of the XXXX XXXX XXXX. I repeatedly told XXXX that he had the wrong individual and that I was not the owner of XXXX XXXX XXXX and that it was a supermarket in the floor of my office building. 
He proceeded to let me know he had my drivers ' license number and knew all of my personal information, rattling off my mother 's full name as well. He, then, called my mother with this information and began to harass and scare her. He said that he had my social security number and all personal information about me. We both asked him to never call us again and that he had the wrong person as I was not the owner of XXXX XXXX XXXX and did not have anything to do with who they owed money to. 

It was really scary and XXXX XXXX should be disciplined for this type of harassment and these scare tactics. I have nothing to do with this debt and am just trying to clear my name at this point with the company who is trying to collect this debt. I have been very obviously incorrectly tagged with this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is an absolutely outrageous company to deal with. Their customer service is rude and their process is extremely slow. XXXX is the only agency that is reporting such inaccurate information. I've disrupted before and they ignored with an automatic response. I've sent a letter, they claim they didn't get the letters. I've sent a letter to there executives, they go in a put on the file that they are " reinvestigating '' when they never " investigated '' in the first place. 

My letter to them was to serve as a formal notice of my intent to file a complaint with the FTC, due to your disregard of the law. XXXX claimed to have somehow verified the items I requested. Therefore, I legally requested a description of the procedures used to verify the information. 

I was ignored.
Product: Checking or savings account

I am Filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Elctronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to acknowledge receipt of your recent correspondence regarding the disputed account on my credit report. I appreciate your attention to this matter, but I must emphasize the gravity of the situation and reiterate the urgency for rectification. As stated in my previous communications, the account in question is fraudulent and has been attributed to my credit profile erroneously. In response to this fraudulent activity, I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ). The FTC report is an official document from a legal law enforcement agency, which carries significant weight and is subject to legal enforcement and penalties for non-compliance. Given that the FTC is a legitimate law enforcement agency, it is imperative that Experian recognizes the authority of the FTC Identity Theft Report and acts accordingly to remove this fraudulent account from my credit report. Failure to do so not only undermines the legal framework established to protect consumers but also exposes your bureau to potential legal repercussions for non-compliance. The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus must conduct a thorough and reasonable investigation upon receiving notice of a dispute. The FTC Identity Theft Report provides clear and compelling evidence of the fraudulent nature of this account. Therefore, it is incumbent upon Experian to promptly delete this account from my credit report to ensure compliance with federal regulations and to mitigate further harm to my financial reputation. 

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

I notice that they are still continuously reporting these incorrect and invalid accounts from my newly updated credit report. I have never failed to mention this with the financial consulting agencies that these shouldnt be included on my credit history. They cant even send me any valid proof that I owned 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
Product: Debt collection

I am filling a complaint against XXXX XXXX because they are attempting a that is I do not owe them. Account Name : AD ASTRA REC, Account Number:XXXX**. 
I would like for AD ASTRA REC to show proof of verification that I owe them {$850.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information XXXX is reporting on my credit report is false and inaccurate. 

1. On XX/XX/XXXX all three Credit Reporting Agencies report that my Navient account # XXXXwas OPEN and OK. 

2. Suddenly, on XX/XX/XXXX XXXX is showing the same Navient account # XXXX as DEROGATORY, PAYMENT PLAN, CHAPTER XXXX, WAGE EARNER PLAN. 

3. What happened over 5 days? 

4. My Chapter XXXX was discharged on XX/XX/XXXX. 

5. Navient was paid {$150000.00}. 

6. My Navient account is current with a balance of {$29000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

On XX/XX/XXXX, I returned few items to XXXX store, and they refunded to my Discover debit card ending XXXX, which was closed back in XXXX. Bank has confirmed that even though the old debit card was closed, the refund should come thru to my checking account that was tied to the old debit card. 

After few weeks, I still did not see the refund on my checking account, so I contacted the XXXX XXXX XXXX XXXX, and they confirmed that the refund was made to the debit card ending XXXX and provided me with the transaction detail receipt from their system and asked me to contact the bank directly. 

I have contacted my Discover bank XXXX time to investigate the refund not depositing to my bank account, but they have not contacted me yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Stolen identity credit card open in my name on XX/XX/XXXX15 XXXX XXXX XXXX XXXX XXXX Amount XXXX Attached is a copy of police report
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I have wired {$40000.00} to an XXXX XXXX business account in a branch in California to fund an account located on a trading app downloaded from XXXX XXXX. After doing all my due diligencies I thought the company XXXX ( a trading app specialized in stocks and cryptocurrency trading ) was legit business. However, after almost 2 months trading on the app, when I tried to withdraw my money on XX/XX/XXXX, the company shutdown my account completely and I have never been able to recover my money.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX Equifax and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. AMEX XXXX, AMEX XXXX, AMEX XXXX
Product: Credit reporting or other personal consumer reports

Upon review of my consumer report with EXPERIAN there is an account in my report that is incomplete showing as reported by EXPERIAN 's website. The Fair Credit Reporting Act prohibits incomplete, inaccurate, and unverifiable information from being reported to the consumers report. The account in question is an account with the department of education that appears to be incomplete. It reports 'No Data ' all throughout the payment history section. I want to ensure that EXPERIAN reinvestigates this account promptly.
Product: Credit reporting or other personal consumer reports

This is prior to the last attacment but I did not receive this information from actual FTC but legal aid through federal lawyer. So as it was prior but not readily available to send to the companies XXXX which asked to call but not able to do much again repeated last so that is past my control as well. Trans Union is working and in progress again this was prior for trans union but no it is unrealistic to keep sending same items to do anything if there is nothing to show or for me myself to compare or look up. 
XXXX I did have the data breech information in prior to the apparent cut off date. But unbiased still the most difficult to work with. So except for XXXX they do need to put forth a little more effort. But I am still behind if the other two need info if I do not have it to supply from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX and Experian are reporting misleading information. It's been over 30days and they still have not acknowledged my identity theft report. Please help me resolve this issue.