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

Consumer Name : ( XXXX XXXX XXXXXXXX ), Consumer Social Security Numer : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX XXXX {$530.00} XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX {$1000.00} XXXX. XXXX XXXX XXXX {$430.00} XXXX. XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX {$460.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

The accounts have been closed for several months. They have been reporting twice a month. I havent been able to purchase a home and now have to pay higher move in cost due to them reporting delinquent on the account and unpaid
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up Complaint Regarding Verification of Fraudulent Accounts AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of [ EXPERIAN ] to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), [ EXPERIAN ] has claimed that the disputed accounts have been " verified. '' The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed.

Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ EXPERIAN ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information.

I also believe that the actions of [ EXPERIAN ] may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights.

I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation. 
Thank you for your prompt attention to this ongoing issue.
Product: Checking or savings account

Well in my credit report it was telling me that I had to open account so I go to the bank and the bank teller tells me it's because I was left as a beneficiary so I got the certificate after I went back she said she couldn't find the account no more cuz they have a new system and they were just giving me a bunch of problems because the account was from XXXX  and the person who left me is for beneficiary she's not related to me but I knew her since a kid so I don't know who to ask information from
Product: Money transfers

My son XXXX XXXX is trying to secure a place to rent in XXXX, XXXX. He found a place on XXXX XXXX in XXXX, and contacted the owner of the property, XXXX XXXX, via e-mail. An agreement was made over the phone, as XXXX XXXX represented himself as the owner, but was in XXXX on business. The XXXX of them made an agreement that XXXX would send the security deposit of {$600.00} and that once he moved in he would pay the XXXX months rent. The agreement was that the lease was to be sent to XXXX to sign and return to XXXX XXXX, by his secretary XXXX XXXX. XXXX XXXX was also the one who was going to pick up the deposit of {$600.00} in XXXX. sOnce the security deposit of {$600.00} was received, XXXX XXXX would have his secretary XXXX XXXX, send the keys to the place to XXXX via XXXX and she would forward that tracking number to XXXX. The security deposit was sent on XXXX/XXXX/15 via MoneyGram in the amt of {$600.00}. Today, XXXX, XXXX XXXX notified XXXX that he had " his plumber '' go to the house to check on everything so that it would be ready for XXXX to move into. Per XXXX XXXX, the plumber found pipes leaking in the wall and now XXXX XXXX is asking for another {$1200.00} to be sent to him to help cover the cost of the repairs. My son does have a copy of the lease, which states that the deposit would be {$600.00} and outlined that the rent was $ XXXX. with all utilities included. I possess the receipt for the security deposit of {$600.00}. In the original e-mail correspondence between XXXX and XXXX XXXX, XXXX XXXX indicated that he is a new landlord and that he had the keys to the property. Now today, he states that a " plumber '' has keys to get into the property. If this plumber truly had a key, why did XXXX XXXX not offer for XXXX to meet the plumber at the house to do a walk through, before we sent the {$600.00}. XXXX has corresponded back to XXXX XXXX today, the XXXX, and asked him why he did n't offer for the plumber to meet XXXX there, if someone local had a key. He has not received a reply as of this time at XXXX XXXX/XXXX/15. XXXX XXXX also stated that " He 's been busy today and has n't had a chance to XXXX the key yet ''. This sounds like a total scam, I 'm hoping not, but it 's starting to smell very fishy. I hope you can offer some advice of assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect reporting as collection for XXXX credit card with open balance of XXXX ... .this a co uhh by past the 7 year mark for experian report Was closed due to charge off by XXXX
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> my credit was randomly ran with out my permission are knowledge once I got alert I immediately call the company and let them know that Im at work. I am no reason for my Credit to be running. I dont know how that happened, but it wasnot with my knowledge
Product: Student loan

Please see unresolved issue in complaint XXXX where company stated they were " still working on '' accurately reflecting my payments toward PSLF. 

Dear Directloan, as my primary concern indicated, your dates for my employment are consistently wrong, and you have rejected my numerous attempts to have you correct same. Even when I follow the direct instructions of your representatives. Again, I left state service in XXXX of XXXX. Since I consolidated, I have always been in an IDR plan. Incidentally and secondarily, I have always paid my balance of $ XXXX {$380.00} and that is what I am able to afford. jumping from {$380.00} to {$1100.00} or even {$830.00} in one month is unconscionable and unrealistic for a single income household. I am attempting to rectify this situation. 

My primary concern is that I should be just a couple months short of PSLF eligibility based on my consolidation from XXXX into DirectLoan/FedLoan. Specifically, I worked for the Office of the State Attorney for the State of Florida from XX/XX/XXXX until XX/XX/XXXX ( 6 years ). I then worked for the Office of the Attorney General from XX/XX/XXXX through XX/XX/XXXX ( 4 years ) for a total of 10 years. All of this information is public record, and I also have wage verification in the form of W-2s and tax information. I have submitted employment verification for you to update this information ( for which I have proof of submission multiple times after XXXX ). In fact, I have sent in that form as recently as last month, and again it has been rejected because you state the employment section is not filled out, even though I checked the box to have YOU contact state HR since I am no longer employed there and am unable to have it verified as per their policy and following the instructions on the form and directly from your representative.
Product: Student loan

In XX/XX/2016 I contacted ACS regarding incorrect credit reporting. I was advised it was corrected. I pulled my credit reports today from all bureaus and it is showing 120 days past due as of XX/XX/2016. My account was in deferment during that time.
Product: Checking or savings account

Regulation d is suspended and bank had suspended withdrawal fees from saving account. I have been charged fees for withdrawing from savings even though they are waived. They are refusing to reverse the fees.
Product: Credit reporting or other personal consumer reports

In accordance to the fair Credit reporting act This creditor has violated my rights under 15 usc 1681 Section 602 states I have the right to privacy Section 604 A section 2 It also states Set consumer report agency can not Furnish Account without my written instructions Under 15 USCS 1666b A creditor may not treat A payment On a credit card account Under an Open end consumer Credit Plan as late For any purpose
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaints regarding fraudulent items on my credit report, which I have attempted to have removed multiple times. Despite my repeated efforts, this marks my fifth attempt to resolve this matter, and I am reaching out from you for assistance. Unfortunately, my efforts have been unsuccessful, and the fraudulent items remain on my report, causing significant distress and impacting my financial standing. Given the persistence of this issue and the lack of resolution, I am now seeking your intervention. The fraudulent items are not only inaccurate but also damaging to my XXXX XXXX and overall financial health. I have attached copies of all relevant correspondence and documentation related to my previous attempts for your reference. I respectfully request that you would take action to ensure that these fraudulent items are investigated and removed from my credit report as soon as possible. I am available for any additional information or documentation you may require. Please help me delete the following fraus items now : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I a resident of Florida and has been a Chase credit card member since XX/XX/XXXX. I opened a Chase credit card account in or about XX/XX/XXXX. I made regular purchases of cryptos on XXXX using his Chase-issued credit card beginning in early XX/XX/XXXX. Up until and including XX/XX/XXXX, Chase treated all of my purchases on XXXX  as ordinary credit card Purchases under his cardholder agreement.

When I made additional crypto purchases from XXXX, using the same Chase credit card, on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, Chase suddenly treated all of these purchases as Cash Advances, and assessed at least {$90.00} in cash advance fees and over {$160.00} in cash advance interest charges ( as of XX/XX/XXXX ). Despite calling Chases customer service line to complain about the surprise charges on his account, Chase declined to remove them. I was forced to pay and did pay these surprise cash advance charges in full.

At no point did Chase attempt to notify me neither before nor immediately after I executed my latest crypto purchases that such purchases would be treated as Cash Advances rather than Purchases under his card member agreement.

Had I known that Chase was going to begin treating my customary Purchases as Cash Advances, then I would not have used my Chase credit card to buy cryptos on or after XX/XX/XXXX, and would not have incurred or been forced to pay the cash advance fees and interest charges that Chase levied against me.

Chase Bank USA, N.A. is domiciled in New York and is one of the largest national banks and credit card issuers in the United States. In late XX/XX/XXXX, Chase abruptly altered its customers credit card terms without notice such that any crypto purchases made by card members would be treated as Cash Advances rather than Purchases.

Due to my 0 % Transfers I made and 0 % APR on Purchases, this XXXX Transactions and Cash Advance Interest can not be paid in full till the other Balance is fully paid.

The Truth in Lending Act, at 15 U.S.C. 1637 ( i ) ( 2 ), requires credit card issuers to provide a written notice of any significant change, as determined by rule of the [ U.S. Consumer Financial Protection ] Bureau, in the terms... of the cardholder agreement between the creditor and obligor, not later than 45 days prior to effective date of the change.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called the third party bureau and was told that I dont have an security freeze and Im still getting decline by banks and other creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out letters to open a dispute with XXXX and Experian on XXXX XXXX of 2021. There is inaccurate accounts on my reports. Including XXXX XXXX  with a balance of {$12000.00}, XXXX XXXX XXXX with a balance of {$120.00}, XXXX XXXX XXXX with a balance of {$26000.00}, XXXX XXXX XXXX with a balance of {$13000.00}. Its been over 30 days since Ive disputed these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED WERE OPEN FRAUDULENTLY THEY DO NOT BELONG TO ME SOMEONE STOL MT INFORMATION TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

This formal complaint is submitted on behalf of the Principal, the legal entity associated with the account and obligor of the alleged obligation, in response to the unlawful and non-compliant debt collection practices engaged in by Zwicker & Associates, XXXX. XXXX has violated multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to its failure to furnish the required 30-day validation notice, failure to provide a subsequent five-day validation notice, and continuing collection activities without proper validation of the alleged obligation. These violations expose Zwicker & Associates to significant legal liability and, by extension, place XXXX XXXX in a compromised position as their principal. 

Upon initiating communication with the Principal, Zwicker failed to comply with 15 U.S.C. 1692g ( a ), which mandates that within five days of the initial communication, the debt collector must provide the obligor with a written notice containing the amount of the alleged debt, the creditors identity, and the obligors right to dispute the debt within 30 days. Zwickers failure to provide this validation notice is a clear violation of the FDCPA and demonstrates a disregard for their statutory obligations. 

Further, Zwicker & Associates did not comply with 15 U.S.C. 1692g ( b ), which explicitly requires debt XXXX to cease all collection activities until they validate the debt upon request. By continuing collection activities without providing proper validation, Zwicker has shown continued non-compliance with this provision of federal law, exposing them to potential civil penalties. 

Additionally, Zwicker failed to inform the Principal of their legal entitlements, including the right to dispute the debt and demand validation, as required under 15 U.S.C. 1692g ( a ). This deliberate disregard for FDCPA protections has caused unwarranted harm to the Principal and exposes Zwicker to significant legal liability for statutory damages and corrective action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple complaints on TransUnion and they are continuing to violation my rights as a consumer. They have recently sent me a letter in the mail with the results of their " investigation '' which they are " verifying it as accurate ''. They never included the description of procedures for this investigation.
Product: Debt collection

I got a collection under my credit report. The company is called Omega RMS. The amount is XXXX XXXX I never the open the account and I just found out about when I was going through a mortgage approval process that got turn down because that amount of unpaid charges
Product: Debt collection

CAVALRY PORTFOLIO SERVICES reporting debts accounts on my credit file which have nothing to do with me. I never had any type of business with Cavalry and I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

ACCOUNT XXXX XXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX XXXX . Any other times or methods like live calls or voicemails aint good for me.ACCOUNT XXXX XXXX plus other accounts you saying I'm oweing.
Product: Credit reporting or other personal consumer reports

My 8nformation has been breach while under their monitoring and my personal information is at risk an can be detrimental to the hacker or person or persons that has my personal information birt certificate social number and other personal information
Product: Credit card or prepaid card

On XX/XX/2023 we applied for the Capitol One XXXX XXXX credit card via this website... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX... 
The offer advertised was... 
" Annual Percentage Rate ( APR ) for Purchases and Transfers -- 0 % introductory APR for the first 15 months that your account is open. -- After that, your APR will be 19.24 %, 25.24 % or 29.24 %, based on your creditworthiness. '' ... 
We were approved the same day. On XX/XX/2023 we received the credit cards. On XX/XX/2023 we tried to submit a balance transfer online but the website said there was no offer available. We immediately called customer service who reiterated no balance transfer offer was available. We were transferred to the credit card department and re-explained the situation and were told that offers are published 11 days after approval and we should have received it by now if it was available. But the balance transfer offer does not currently show as available, Capital One must have chose not to offer it, and there was no guarantee if/when it would be offered. We were then requested to be transferred to a manager. After re-explaining everything to the manager ; the manager just restated that the offer was not available to us right now and to check back daily to see if it comes up but that it was not guaranteed. 
We had applied for the Capital One XXXX credit card specifically for the balance transfer intro offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been trying to get this bank removed from all 3 credit buraures for years. my identity was stolen when i was a freshmen in college and the person that had stolen identity attend to apply for various cards, banks, loans and more. i have multiple inquiries that is on my credit as well accounts i never apply for.

I really needs someone to help me regarding my credit as well these accounts thats kon my credit to be removed. if someone can please reach out to me to help resolve this situation.
Product: Checking or savings account

Suntrust is unjustifiably withholding a promised promotional reward that I earned. Pursuant to Suntrust 's promotion " Advantage Checking Online Reward Q2 2019 ), I fulfilled all the criteria for the advertised {$500.00} bonus. Specifically, I've maintained a {$100000.00} balance with Suntrust for well over the required 90 days ( from XX/XX/2019 to present ). The 90-day period was satisfied as of XX/XX/2019. The 8-week processing period elapsed XX/XX/2019. In an online chat, Suntrust 's Customer Service representative confirmed that I met all the criteria to receive the {$500.00} bonus. A transcript of that chat is attached.