23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for and was approved for a Discover it card in the amount of XXXX . This was good news as I have worked hard the past two years to build the credit standing that I am in today. I recieved the card and activated it immediately. Two days later ( XX/XX/21 ) I recieved an email that my account was being frozen to review my financial information and I would need to sign an authorization through XXXX for a 4056-T to release my tax returns. I complied with this request and was told that the IRS was backlogged when I called to check on the review. This was concerning to me as the IRS says it only takes 3 business days to turn over the information. Today, over a month after the request, I recieved an email stating that my account was being closed effectively immediately based on my account information as a whole that they were unable to verify information on my account. I myself am able to log in to my IRS account and pull my transcripts, the same as Discover requested and I see they are available, thus I do not see how they can claim that information was not verifiable. Furthermore this is a clear bait and switch, Discover has every right to do their due diligence when deciding whether to approve a customer for an account or not. However, to approve an account, send a card, allow me to activate the card, freeze my account for 30 days, and then close my account, is negligent and impacts me negatively as a consumer when they couldve just denied my account in its entirety. I will be contacting the IRS to confirm if and when this review was even completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX  in XXXX  and IM trying to relocate to XXXX and I had a mortgage broker pull my credit and there are somethings there that are not mine. I have been a victim of Identity theft
Product: Credit reporting or other personal consumer reports

Subject : Request for Security Freeze on Credit File I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. Below is the information necessary to process this request : Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, Transunion the fair credit reporting act XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX  ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( XXXX ) Reporting information with actual knowledge of errors 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. 

( XXXX ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( XXXX ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( XXXX  ) the information is, in fact, inaccurate. I HAVE CONTACTED XXXX XXXX XXXX and notified them about the inaccurate reporting on my Transunion credit report. They responed with a letter. It clearly show the CLOSED DATE : XX/XX/XXXX, Transunion is reporting XX/XX/XXXX. As the law states above if a consumer notifies a person/company about a inaccurate report. A company CAN NOT FURNISH information relating to a consumer to any reporting agency if the person/creditor knows the information is inaccurate. XXXX XXXX XXXX IS NOT PROVIDING ACCURATE INFORMATION TO TRANSUNION. Therefore this account must be DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I noticed there were inquiries listed that I did not recognize. 
I contacted ( XXXX XXXX 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  ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Product: Credit reporting or other personal consumer reports

Ive attempted to retrieve my consumer reports online via XXXX but I always get an error message. Attention : XXXX XXXX, Equifax and XXXX.
Product: Debt collection

I received a notification from Gulf Coast Collection Bureau on or about XX/XX/XXXX regarding an alleged debt to an entity called XXXX XXXX. I contacted them in writing advising that I had no knowledge of this debt, asked for validation of same, specifically in the form of any authorization with my signature for this laboratory to perform any services, and in response I received a " statement '' showing my name and address that provides no additional information or, more importantly, my authorization for any work from XXXX.
Product: Checking or savings account

Wells Fargo case number : XXXX Harassment, negligence and false accusations of Altered or Fictitious checks SEE ATTACHED LETTER FROM ME
Product: Credit reporting 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  and 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

XXXXXXXX XXXX Account number XXXX Date opened XXXX XXXXXXXX XXXX. I have attached errors in this information reporting on my credit profile. This information is incorrect and shouldn't be reporting. I have contacted you several times about this and you continue to violate my rights by reporting inaccurate information.The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

A debt was added to my credit report in the amount of XXXX by company Hunter Warfield . I then received an email stating I owed {$150.00} I called the company who then stated that by calling I have now confirmed the debt I advised this was a fraudulent charge I also have no knowledge of account and do not owe the company XXXX XXXX anything I left with a {$0.00} balance. I requested for the report to be removed from my account in which the attendant I spoke with stated the company would not be removing the account/ report or remarks.
Product: Vehicle loan or lease

I contacted Bridgecrest Bank to request that we work out a satisfactory solution regarding the charged off account from XX/XX/2022 on XXXX separate occasions. 
Bridgecrest Bank has stated that they will not enter into any payment arrangement in regards to this account. 
Bridgecrest Bank has stated that they will not provide any written correspondence or statement regarding the denial of a payment plan. 
Bridgecrest Bank stated they would only converse about the account verbally.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA, XXXX Subject : Dispute of Charged-Off Account Due to Data Breach Dear TransUnion, I am writing to formally dispute the charged-off account associated with my name, as my personal information was compromised in a data breach and may have been used fraudulently. I believe this unauthorized use of my information resulted in the account being opened or misused without my knowledge or consent. 

The account details are as follows :XX/XX/XXXXXXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XXXX to the exposure of my sensitive information in a data breach, I request that this account be thoroughly investigated and permanently removed from my records. Additionally, I ask that this account be deleted from my credit report with all relevant credit bureaus, as it does not reflect my legitimate financial activity. 

Please provide written confirmation of the outcome of your investigation. If necessary, I am happy to provide supporting documentation related to the data breach and its impact on my personal information. I appreciate your prompt attention to this matter and look forward to your response.

Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 

Sincerely, XXXX XXXX
Product: Mortgage

I applied for auto payments for my mortgage payments. My loan was sold to another bank and I was never notified. I missed 9 payments becuase I thought I was on auto withdrawals. When I spoke to them, they said there was a system error and that's why I never recieved notifications. I was also never notified that my payments were late late.
Product: Checking or savings account

In XXXX last year, I suddenly found that my Chase debit card was not working, so I called Chase Bank to ask about the situation. Chase customer service told me that my card had been closed and the remaining amount would be sent to me in the form of a check. However, I have not received a check in the past six months, during which time I have called Chase more than a dozen times, but each time I have been told that they are still investigating and can not give an approximate date for when the check will be released or the reason for the account closure. I think this is very irresponsible and disrespectful to the customer. I have XXXX dollars in my card, which is all my savings. Chase Bank impound my funds without any reason, which has a great impact on my life.
Product: Debt collection

They keep on call me at my place of work and cell phone. I have told them to stop and sent in a letter. I do not owe this debit.
Product: Credit card

I made a purchase on XX/XX/XXXX and on XX/XX/XXXX. Both were promotions for 12 months XXXX interest 36 months. I made over payments every single month to avoid interest. Near the end of the first 12 months, I looked online to make sure my older balance was paid off and to my surprise it was no where close to being paid off. Most of my over payments were being applied to the NEWER balance. I contacted support and they told me that if I made a payment for {$1200.00} that they would apply it to the older balance and pay it off to avoid interest. So I made the payment that day. To my surprise, when I got the statement in XXXX, they only applied {$230.00} to the oldest balance and applied the rest of the payment to the newer balance. I contacted support multiple times via online chat and I also called. They were supposed to have a supervisor call me. Nobody ever called me back. Near the end of XXXX, the end of the 12 months XXXX interest portion of my older balance, I called again. The agent on the phone spoke to a supervisor but refused to let me speak to them direct. They told me it's their policy to apply payments to the newer balance vs the older balance?!?! This is an absolute scam to charge customers 29.99 % interest. I told her, how do I avoid paying interest on this balance and she said I needed to pay off the WHOLE account. The old charge as well as the newer charge. Again, this is a scam as this means the second balance is truly NOT 12 months XXXX interest. So I went online and clicked the pay balance option. It said {$3800.00}. So I paid it. The next screen said nothings due and you have no outstanding payments. I went on vacation and on the way back my wife asked if I took care of that credit card. I said yes, absolutely. She said, did you check online? and I said, no, but I did pay it off. She said I should check. So I checked and sure enough, now the bank says I owe more money?!?! It now says the current balance is {$1200.00}?!?!? This company is clearly a scam or predatory lender and should be closed down immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXXXXXX Balance : {$80.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00}
Product: Credit reporting or other personal consumer reports

I have tried to dispute this information with XXXX XXXX  and have not seen any results. 
I am writing to dispute the accuracy of the information that's on my credit report. According to the Fair Credit Reporting Act Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

According to the Fair Credit Report Act these laws should also be abided by, 15 U.S.C. 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681c 15 U.S.C. 1681i 15 U.S.C. 1681n This account is also reporting two different account under the same account number.
Product: Debt collection

After receiving on XX/XX/XXXX a dunning letter dated of XX/XX/XXXX from Rent Recovery Solutions for an alleged debt of {$1500.00}, I sent a validation letter on XX/XX/XXXX with a cease and desist request in response via certified mail respecting then the 30 days timeframe deadline to dispute the claim. According to the FDCPA 15 U.S.C. 1692-1692o, all collection attempts must cease until the debt collector obtains verification of the debt from the creditor and a copy of such verification results must be mailed to the consumer showing evidence of the alleged debt. Yet, Rent Recovery violated such law by not only failing to provide such proof of validation but also by still attempting to collect the alleged debt during the verification process period through repeating, abusive and harassing phone calls even at my workplace informing then my coworkers of my personal issue with a collection agency about an alleged rent debt. In addition to that, on XX/XX/XXXX Rent Recovery reported an invalidated and inaccurate derogatory account to my credit report violating both the FDCPA and the FCRA laws against my person hence my complaint here.
Product: Checking or savings account

I have had this chime account since XX/XX/XXXX. I had made a transfer from my XXXX XXXXXXXX XXXX account over to Chime Bank of {$50.00} on XXXX XXXX. I made a second transfer on XX/XX/XXXX, of {$950.00}. Thats a total of {$1000.00}. After a small purchase, I had a total of {$990.00}. About two weeks later, I received my previous transactions for my XXXX  XXXX XXXX account and noticed a transfer of {$50.00} coming from a XXXX XXXX. Due to me not knowing that XXXX XXXX  was just another name for Chime Bank, I reported the suspicious activity to XXXX  XXXX XXXX and there was a fraud investigation within minute. Two weeks later, I receive mail from Chime Bank and within the notice, I seen XXXX XXXX and realized I made a mistake. I called XXXX  XXXX XXXX to try to cancel the investigation because I am now aware of who XXXX XXXX is, but they couldn't just end it there. They said it was too late to cancel. I have tried to come to a solution and I have reached out on XX/XX/XXXX, XXXX of XXXX, XX/XX/XXXX, XXXX of XXXX, XXXX XXXX of XXXX, XXXX XXXX of XXXX, XX/XX/XXXX and XXXX of XXXX. This would consist of communication either on the phone or via email. The process is I give them a call, they escalate the situation, and let me know that only department that can help me communicates only through email. So they send me an email stating that I need to send over an overview of what happened, with a picture of my ID and a letter from XXXX XXXX XXXXXXXX. XXXX XXXXXXXX XXXX says there is no letter they can give me from there I'm stuck. Ive tried to explain that to everyone and no one can help me. I received an email confirming that I will receive a check and the amount would be {$990.00} on XX/XX/XXXX and I never received the check. I would call for an update and was told that it was on it way and when I called a month later the story changed
Product: Student loan

I keep getting harassing phone calls regarding payments. I have tried to talk with XXXX ( Sallie Mae ) about a lower re-payment option, such as any income based rates, and have been told no that I need to pay my monthly amount or I will default. My interest rate keeps increasing and my amount owed has never gone down in the 3 years I have paid. I work full time at a decent paying job and most of my paycheck monthly is paid to these loans. I have never missed a payment, but I have used all of the allotted time ( 12 months in total ) to put payments on hold due to family and medical emergencies.
Product: Credit reporting or other personal consumer reports

CitiBank and XXXX CITIBANK, XXXX got a copy of your XXXX Credit Report . 
CITIBANK, XXXX made a Inquiry by checking your XXXX Credit Report . 

Source : XXXX XXXX : CITIBANK, XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX tried to access your XXXX credit file while it was locked. If you are actively seeking credit or new financing, simply unlock your file. 

Source : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, DE XXXX Inquiry Date : XX/XX/2024 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to request the removal of several negative items from my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). These items are as follows : UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with account number XXXX. This account has a payment history despite being a charge off, which is a violation of the FCRA. I request that it be deleted immediately. 
XXXX XXXX XXXX with account number XXXX. This creditor has reported 60 day late payments on my account for XXXX and XXXX of XXXX, but I have never been late on this account. They have admitted over a recorded phone call that these late payments were an administrative error on their part and agreed to remove them. A copy of that XXXX file of the call is included in this complaint. The creditor has also failed to prove that they sent out an early warning notice as required by the FCRA. 
XXXX XXXX XXXX with account number XXXXXXXX XXXX with account number XXXX, XXXX XXXX with account number XXXXXXXX XXXX  with account number XXXX. These accounts have a payment history despite being charge offs, which is a violation of the FCRA. I request that they be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with account number XXXX, and XXXX XXXX XXXX XXXX with account number XXXX. Kindly investigate and make sure these accounts belong to me because I can not recognize these businesses. Please delete these accounts from my credit report in accordance with the FCRA. 
I would like to emphasize that these items are causing significant harm to my credit score and financial well-being. As such, I request that you take immediate action to address these violations of the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting 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 XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

Im concerned as an unknown inquiry was made in my consumer report. Im not liable nor do I recognize the inquiry. Informative research ( XX/XX/XXXX ) please delete immediately