23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 saw inaccurate accounts on my credit report today and dont understand how they got there. While reviewing my report as usual, I noticed errors that appeared suddenly. I refreshed my browser to rule out a glitch, but the incorrect accounts were still present. Because of this, Im asking for a careful examination of the documents I submitted to prevent future concerns.
Product: Debt collection

Someone at a XXXX XXXX  store stole my information and opened an account fraudulently and for some reason applied and created all kinds of inquiries under my personal information ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a dispute on XXXX XXXX by Certified mail with a return receipt. According to the return receipt the dispute was received by Equifax on XXXX XXXX. The post marked response from Equifax was XXXX XXXX. This response took longer than the 30 days allowed by law.
Product: Debt collection

I filed a previous complaint about no response to an offer of payment and, if not accepted, a request for verification of the debt. In response to my complaint filed here, the company said they would start the process of retrieving verification of the debt ( weeks after my request ).

It has now been two months since the first contact with them regarding this debt, and over a month and a half since my request for verification of the debt, and I have received nothing from them.
Product: Debt collection

I am a victim of identity theft I notice a fraudulent account on my credit report in the amount of {$7900.00} I have reach out to this company back in year 2020 letting them know that was not my debt and how can we resolve this issue I have filed a police report with local sheriff department
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I discovered a credit card that was not opened by me on my credit reports. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I contacted XXXX and asked for them to remove the account as I could see on my report that it was opened with a Florida address I've never used. At this time I was completing online classes at XXXX XXXX  which is located in Florida. I speculate that this is somehow connected to my information being stolen and used to establish this account.
Product: Credit reporting or other personal consumer reports

Upon checking my Equafax credit report I noticed an old authorize user account reporting inaccurately from XXXX XXXXXXXX account # XXXX, Open Date XX/XX/XXXX, Balance {$2300.00}. 

Furthermore I spoke with a XXXX  XXXX agent on XX/XX/XXXX at XXXX who states that they requested this account to be deleted from all 3 Credit Bureaus such as XXXX XXXX Equafax, and XXXX. And should not be reporting as I had previously asked that this account be removed from my Credit Report. XXXX and XXXX actually has deleted this account as previously requested to XXXX XXXX by me. However Equafax needs to update and delete this account from my Credit Report immediately.
Product: Checking or savings account

My bank account was closed with chase bank and I had deposited a check for {$47000.00} and it waa deposited into my account # XXXX and {$520.00} was taken to cover a balance that i had owed into a different account and then both accounts had been closed and this was XX/XX/XXXX that it was credited into my account and then XX/XX/XXXXmy account was closed and we have been trying for months to get this money back. We have been told twice that the check has been sent and this last week we had been told the check has not been sent at all, what? That makes no sense we have {$46000.00} missing and the bank has it cashed it and will not send back the funds? The check waa in my bfs nams he signed it and is fine if I get the funds of if they issue him the check but we keep going into chase bank with no real answer as when we will get our money! This is our money and we cant get it.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I had a conversation via XXXX with a local tattoo artist who was promoting their work. The tattoo artist messaged me and asked what I was looking to have done, explained the appointment process, we agreed on a date and time and he provided me with the address to the tattoo shop. I plugged the address into XXXX XXXX and confirmed that it was a valid address, 9.6 miles from my residence. He advised that there would be a deposit of {$250.00} to book the appointment, which is very common for tattoo shops to require deposits when booking appointments. I provided images of what kind of tattoo I was looking for and he confirmed price and that he would be able to do the work. He provided me with his CashApp username as XXXX XXXX  and advised me that once I sent the deposit to let him know so that he could begin sketching the tattoo. I sent the money using my CashApp account and advised him that the money had been sent. He continued messaging me asking questions about the tattoo and if I wanted him to come to my house as he does mobile tattoos also or if I wanted to head to the shop. I advised that I would feel more comfortable heading to the shop. I never heard from him again. 

Around XXXX that same evening, I received a direct message from someone on XXXX advising me to not do business with this person because her daughter was just scammed. She advised me that she noticed I had commented on one of the tattoo artists pictures and wanted to reach out to me to warn me that he was a scammer. She mentioned that he provided her daughter with a fictitious address, asked her for a {$100.00} deposit and then never messaged her daughter back once the money was sent. 

I reported his XXXX page as fraud, blocked him and reported his CashApp profile as a scam and reported the fraud. XXXX finally shut his account down but it seems his CashApp profile is still active. On XX/XX/2021, I received an e-mail from CashApp advising that the refund request had been declined because there was nothing they could do. CashApp has the ability to see how many times this person has been reported as a scam or fraud and should have shut this account down. CashApp also can see the routing and account information or debit card information as to where the funds are being deposited or cashed out to for this user, yet CashApp seems to not care and allow this type of fraud to continue to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Delete all of the listed unauthorized inquiries from my credit report immediately due to its impact on my credit. Did not authorize verbally, in writing or initialed. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian
Product: Checking or savings account

Bank 's providing online banking services need to provide additional data pertaining to a users post-processing balance in order to prevent overdrawn charges from occurring. 

In 2017, banks reported {$11.00} XXXX in overdraft fees alone. This is big business for banks, and consumers are limited in banking options as they must adhere to these payouts to the large banks. 

Customers of large banks largely depend on online banking websites and mobile apps, along with text alerts for up to date balances. Due to the nature of how funds are transacted electronically ( wire, ACH, check, etc. ) funds are not immediately available and/or posted to the account. Instead, most transactions are processed at odd hours, or left in a 'processing ' state until mid-week when all transactions are dumped out in a single posting. Tuesdays are nightmare for most customers, resulting in an array of overdraft charges. 

Requesting to opt-out of overdraft charges is possible, but then a customer is left with fairly limited banking tools, such as no checks can be processed, etc. 

What I am requesting is an update to the interface of banking systems and their text communication which shows a Safety Zone balance that is required to PREVENT overdraft charges. We use our logic based on what transactions we've made, what we have pending, and what our current balance shows in our online bank accounts. 

The final balance displayed when items are in a 'processing ' state is hugely inaccurate. 
We depend on these balances to dictate what amount of funds will cover our pending transactions and our overall spending power. 

We need an indicator on the top of the balance ledger displaying a POST PROCESSING balance and/or a safety feature which uses predictive tools ( I have an ACH transaction posting every month on MM/DD ), which can notify via text, app notification, and/or display in online banking. We should not depend on third-party apps, notes, etc. when such readily available technology can be implemented into the website/apps.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my credit report from XXXX, XXXX, and Transunion. I noticed alot of unfamiliar and conflicting information. i disputed all the information and requested verication of the account and documents with my signature attached. After the investigation the bureaus deem the information valid but did not provide verication of any sort. I then receive denial notifcations from potential investors that had the account information attached and described as risky behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

A. Between XX/XX/XXXX and XX/XX/XXXX I consecutively disputed the amount owed to The Department of Education XXXX, with Experian XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX During that time The Department of Education XXXX furnished LATE PAYMENTS ( 6 ) for each of those months. After fighting for 2 years the alleged balance was FINALLY updated in XX/XX/XXXX from {$5400.00} to {$7200.00}, and my late payments remained. 

B. The Department of Education XXXX is still reporting my account inaccurate. The company is reporting a BALANCE of : {$7200.00} and a HIGHEST BALANCE of {$5400.00}. 
The way this amount is being furnished is inaccurate.
Product: Consumer Loan

I began getting collection phone calls in XXXX 2016 on behalf of Ace Cash Express in which the collector would leave personal information such as bank info, ssn, etc on the voicemail. They also called references leaving voicemails with personal information and providing the references with personal information if they answered and disclosed that it was a debt. They also threatened that I would be arrested and that action should be taken now then the calls stopped. I began receiving calls again in XXXX 2016. The collection agent disclosed full name full social full routing and account number and full address without insuring that I was the correct consumer and before disclosing what the call was inregard to. After she provided all of my personal information she then decided to inform me that the call was in regards to Ace Cash Express.
Product: Debt collection

Federal law mandates a response within 15 days, which you've failed to meet, putting you in violation. Ignoring this warning could lead to fines of up to {$1000.00}. I trust that upon receiving this notice, you'll promptly comply with my demands. I'm not inclined to take punitive action, but I'll do what's necessary for full compliance. 
Send me the detailed procedures for investigating : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had recently talked with a car dealership salesman in XXXX MO. I never went into the place. I talked to the salesman once and also by texting. He kept trying to get me to come into the lot to look at cars. It was within 2 days I started receiving denial letters from so many companies. I have probably received 6 as of today. It has only been probably 3 weeks since I talked to the guy at the lot. It seems like every letter I have there is a XXXX , XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX which is saying they were in part the reason for the decision and the information they received from them. I do n't know anything about that company on top of all the companies that ran my credit. It shows on my credit there has been around 15 hard inquires. I am frustrated by all of this.
Product: Credit card

* XXXX - Dispute submitted for transaction XX/XX/XXXX XXXX XXXX CA XXXX XXXX Phone call - Call logs attached ) * XX/XX/XXXX - Contacted Ulta ( message ) to check on status of dispute, they have no record of dispute. Indicated I need to call and talk to representative. 
* XX/XX/XXXX Reached out to vendor for refund, they finally responded indicating there was a dispute awarded in my favor and the amount has been refunded to my credit card ( screenprint attached ). 
* XX/XX/XXXX - Called Ulta, representative confirmed no status of dispute and I need to submit a message on the site with the relevant screenprints proving dispute closed in my favor * XX/XX/XXXX - submitted requested screenprint on the site ( all messages attached ) * XX/XX/XXXX - Response from Ulta... 
* XX/XX/XXXX - Requested update and attached screenprint to message * XX/XX/XXXX - received same response as XX/XX/XXXX. 
* XX/XX/XXXX- I asked for clarification and a callback from a person for help * XX/XX/XXXX - response from Ulta that dispute is still under review and they can not accept phone calls but I can call customer service * XX/XX/XXXX - Requested update and tracking number for case. 
* XX/XX/XXXX - Received same response as XX/XX/XXXX. 
* XX/XX/XXXX - Requested update * XX/XX/XXXX - Advised to call Account protection team * XX/XX/XXXX - Called Account protection team, told account wasn't fraud and they cant help me to contact Ulta Customer Service. 
* XX/XX/XXXX - Called Ulta Customer Service, told they couldn't help me and I needed to contact Account protection team, I explained they told me to contact Ulta ... then was told Ulta couldn't help me because there is no dispute and I needed to contact Account protection team * XX/XX/XXXX - Sent message on site requesting update and supervisor to contact me * XX/XX/XXXX - received response to call customer service * XX/XX/XXXX- I requested update * XX/XX/XXXX- I requested update * XX/XX/XXXX- Received response that I needed to contact Account protection team XX/XX/XXXX - Called customer service to request help, said they have no record of dispute and I would need to call account protection. I asked to speak to supervisor, then call was disconnected. 
XX/XX/XXXX - Called Account protection and was transferred then asked to speak to supervisor and call was disconnected. 
* XX/XX/XXXX - sent response requesting they read my messages, and how do I get help,
Product: Credit card or prepaid card

On XX/XX/XXXX I called Capital One and discussed the situation with XXXX XXXX not opening on time and a Capital One representative and they said to cancel my trip and they credited my card for {$5300.00}. Subsequently, they recharged my card 4 times during the dispute process. On XX/XX/XXXX my card was rebilled for {$5300.00}. I never would have canceled my trip had Capital One not assured me that I would receive a full refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Opened an account with Citi Bank ( Citi XXXXXXXX XXXX XXXX ... promised {$700.00} Bonus ... .I met all requirements... .have not been credited the {$700.00} Bonus ... this is a total scam and there should be a major class action suit against Citi Bank !
Product: Debt collection

I spoke with a representative regarding degratory information on my credit report. I inquired about one account and was then notified about a second account. I was not properly notified about being able to resolve any delinquent accounts. I asked the representative If I could pay the balance and have the information deleted from my credit report. I was told no that this was against the law and that the only thing the company could do was show a paid derogatory.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX Contact XXXX XXXX immediately let them know that no foreclosure happened XX/XX/year> and MERS never purchased XXXX XXXX XXXX for XXXX and is fraud. 

XXXX XXXX XXXX XXXX Police report XXXX is forgery XXXX Confession of mortgage fraud is CFPB # XXXX. 

NY ATTORNEY GENERAL XXXX
Product: Debt collection

I have received debt collection letters from the following firms : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and Abbott Osborn XXXX PLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Regarding a collection for debt with the following information : Creditor : XXXX XXXX I, XXXX Prior Creditor : XXXX XXXX XXXX/XXXX  Account No : XXXX XXXX  Account No. : XXXX Current Balance : {$4600.00} Abbott Osborn XXXX File Number : XXXX I have sent two dispute letters to XXXX XXXX XXXX XXXX and one dispute letter to Abbott Osborn XXXX PLC. 

I do not have any responsibility for the debt they are trying to collect. 

XXXX XXXX XXXX XXXX sent me a copy of a bill from XXXX with the Account Number XXXX as a verification of debt. This bill was addressed to : XXXX XXXX XXXX XXXX LA XXXX This is not my address and has never been my address. They are sending these collection attempts to the wrong person. 

In addition, I pulled my credit report from each of the three nationwide credit reporting companies XXXX, XXXX, and XXXX. These companies have no record of Inquiries from XXXX XXXX XXXX in my credit history. Also, these companies have no record of a XXXX XXXX XXXX/XXXX   account belonging to me in my 26-year credit history. 

This debt does not belong to me but they are continuing to attempt to collect on it.
Product: Debt collection

This is not a duplicate complaint but a question ; what are the reasons Chase denies fraud? Chase merely states " account is valid and reporting correctly ''. But what are the reasons? After 3 years, I have yet to receive explanations why fraud is denied. I filed sheriff 's reports and FTC identity theft reports. After 3 years, the only explanation I received was Chase called a phone number that wasn't mine but the thief 's and then apologized if I provided a different number.?????
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 ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an

account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have sent the original creditor ( XXXX XXXX, XXXX. ), a notorized FTC identity theft report and affidavit and I have requested validation of contract from XXXX XXXX, XXXX, since 2016 this company has continued to harass me with letters. Account Summary Report prepared by XXXX XXXX XXXX, this is a dummy corporation for the same collection agency. I have seen or received no contract with my signature making me liable legally for this fraudulent debt.