23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX, 2015 I went to Ashley Furniture Home Store on XXXX XXXX and XXXX XXXX in XXXX, TX. I applied for {$410.00} in financing for the purchase of a dinette set. approximately XXXX weeks later I received an Ashley furniture credit card in the mail with a {$2500.00} limit. My complaint is that I did not apply for a credit card. At no point was I told that in applying for financing of only {$410.00} would a request for {$2500.00} of credit deceptively be submitted, therefore added to my credit report. I called and complained and was told there was nothing that could be done. I stated I would not be using and would destroy the card. I further demanded that the correct the amount of credit reported to the credit bureaus to accurately reflect the amount of financing I authorized. Is n't it deceptive business practice to apply for an amount greater than what the consumer requested?
Product: Credit reporting, credit repair services, or other personal consumer reports

For over the past few years I have constantly asked for your institution to actually due their grave responsibility and investigate accounts on my consumer report. Numerous times all the mail that is sent back to me states items verified, without providing me your method of verification or who you spoke with to verify information. Pursuant to 15 usc 1681 ( a ) ( 1 ) The banking system is dependent upon consumer reports being fair, and accurate. After overviewing my consumer report I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companies ' initial investigation that you were going to report this information. Pursuant to 15 usc 1681 ( a ) ( 4 ) - you did not ensure that this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. Your company never did an initial investigation, nor a reinvestigation when I asked for your to check my consumer report for inaccuracies. I asked for reinvestigation into inquiries listed on my consumer report. You responded that the information listed was accurate and will remain listed for two years. I know for a fact that you did not investigate, reinvestigate the inquiries, or the alleged debt accounts furnished on my consumer report. I filed several complaints thru CFPB portal along with attaching valid proof from furnishers of info on consumer report that states they asked your company to remove them from reporting and yet it is still listed. This is a violation of FDCPA, FCRA along with breach of my privacy of personal information. Not only have you damaged my credit worthiness, but have caused me severe XXXX and mental XXXX Enclosed I will attach copies of items that you listed on my consumer report that were never investigated, ( XXXX XXXX, XXXX XXXX XXXX ) which is another federal violation amongst many others. Attached will also be a invoice for Federally Protected Consumer Rights Violation under 15 USC 1681 that your company Equifax violated
Product: Credit card

Most of my credit card are in collections because I couldn't pay so they went into collections or accounts closed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person
Product: Debt collection

AN ACCOUNT WAS OPENED ON XX/XX/2015 FOR {$4600.00} DOLLARS. I TRIED DEALING WITH THEM DIRECTLY. INTIALLY THEY REMOVED FROM MY FILE BUT IT RE APPEARED A FEW MONTHS AGO WITH NO RESPONSE FROM THEM ON WHY. I AM ENCLOSING A POLICE REPORT STATING I HAVE BEEN A VICTIM OF IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

I was alarmed to find inquiries on my credit report from your company that I never gave permission for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone opened a credit card in my name at the company Barclays in XXXX. I have never applied for this account. In addition, someone called Barclays on XXXX to dispute the account ( again not me, someone impersonating my phone number ), this caused Barclays to start and investigation which caused them to generate a letter to me at that time. I received that letter on XXXX and immediately called Barclays to dispute the account. I was told that the card was already being disputed. I then filed a police report, had affidavits of forgery and theft filled out. I have sent this information to Barclays who closed the original dispute from XXXX ( not me ) and said it was considered a valid account because they had phone records from XXXX to XXXX saying I called their company. Again, once I obtained my phone records confirmed they had no log of their number prior to XXXX and I have also sent this information to Barclays. Apparently, the person who stole my identity also spoofed my phone number. Also, I never received any statements from Barclays as they allowed the account to be opened with an old address and I never received them. This should have also been a red flag in Barclays application process as this was no longer a valid address. Also, Barclays allowed the person who called on XXXX to close the account with my new address which is how the letter they generated on XXXX was finally received by me on XXXX when I first learned of the theft. The forms I have sent to Barclays are as follows : Affidavit of Forgery ( Notarized ), Identity Theft Report ( FTC ) , County Police Report, Affidavit Identity Theft Victims Complaint and Declaration ( Notarized ), Copy of Driver License, and a Notice of Furnishers of Information and a Copy of my phone logs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have disputed the collection account several times even though it is paid in full and should be taken off. It should have never been reported in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed this ( XXXX XXXX  ) charge off account several times over the past year with Experian. Each time they have updated the account but have failed to notate in the comments section that the account was disputed by the consumer within 30 days. Pursuant to 15 U.S. Code 1681s-2 ( a ) ( 3 ), the reporting agency may not furnish the information without such notice that the information was disputed by the consumer. This is a clear indication that this company has failed to properly investigate my disputes for over the past year
Product: Student loan

Can seem to get it paid down sometimes my whole payment goes to Intrest n not principal I feel like I am getting ripped off they never can help me with being able 2 pay off n they haresse me all the time!
Product: Credit reporting

I have supplied several times forms to delete XXXX from my account. However, Due to the investigation process either Equi-Fax does n't respond or simply leaves the information on the report causing my score to be low and I eventually lose opportunities to purchase a house or car
Product: Credit reporting or other personal consumer reports

I recently review my credit report I was shocked to see that I have been a victim of identity theft. I found a numerous closed accounts on my credit report that was not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove fraudulent closed accounts from my credit report as soon as possible. Here is the accounts XXXX XX/XX/XXXX, Date open XX/XX/XXXX, Account number XXXX, Account balance {$160.00}. XXXXXXXX XXXX Date open XX/XX/XXXX, Account number XXXX, Balance {$2100.00}. XXXXXXXX XXXX Date open XX/XX/XXXX, Account number XXXX, Balance {$6900.00}. 
Please remove this fraudulent closed account from my credit report. I am also attaching copy of my driver license, social security, utility bill and identity theft report. 

Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$350.00} XXXX  XXXX {$460.00} XXXX XXXX  XXXX {$580.00} XXXX XXXX {$18000.00} COLLECTIONS XXXX {$1100.00} XXXX, XXXX   XXXX {$930.00} XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$66000.00} XXXXXXXX XXXX {$640.00} XXXX XXXX {$810.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this complaint against TransUnion, XXXX, and XXXX. 15 U.S.C. 1681 section 602 ( A ) states I have the right to privacy. I have just recently tried building my credit and have just seen my full report for the first time and there are accounts on my credit report that are inaccurate and in direct violation of 15 UL.S.C 1681 section 604a Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I have unauthorized inquiries and fraudulent address and names that are incorrect or not associated with me and want removed from my credit report. 15 U.S.C. 1681 n civil liability for willful non compliance any actual damages sustained by consumer as a result of failure or damages ( {$1000.00} ) please remove an provide me with exact source where you received this information and an updated refit report after the investigation of these accounts are complete. I want investigation outcome to be sent to my home address. This has seriously hurt me and put me in a position where I will take any legal action necessary to get this resolved as soon as possible. I have been informed that by law you have 30 days to complete investigation. 15 U.S.C. Section 1681i ( 5 ) ( A ) states that if you cant provide proof these accounts must be removed.
Product: Debt collection

I called and agent name XXXX from kickoff lending told me once the my money order receive they will request to all XXXX credit bureaus to delete it. 
I recorded the conversation and they deceive me and not doing what they promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Here are the list of items to be dispute : XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Hi, I need to open a chargeback request for 5 transactions made with my debit card ending in XXXX. The shop never provided the merchandise, and also never gave an tracking or delivery information, and never answered the emails or several phone calls. 

XXXX : XX/XX/XXXX, XXXX. It was a XXXX XXXXXXXX XXXX, the expected delivery date was XX/XX/XXXX XXXX : XX/XX/XXXX, XXXX. It was a XXXX XXXX XXXX, the expected delivery date was XX/XX/XXXX XXXX : XX/XX/XXXX, XXXX it was a XXXX XXXXXXXX XXXX XXXX, the expected delivery date was XX/XX/XXXX XXXX : XX/XX/XXXX, XXXX. It was a XXXX XXXX XXXX, the expected delivery date was XX/XX/XXXX XXXX : XX/XX/XXXX, XXXX. It was a XXXX XXXX XXXX, the expected delivery date was XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Equifax about fraudulent inquiries on my report. Edid not remove the inquiries. I have an active fraud alert on my account and disputed fraudulent addresses on my credit report.
Product: Credit card or prepaid card

I was out of country for the entire month of XX/XX/XXXX. My Discover XXXX credit was used without my permission for an amount about {$1000.00}. The investigation with this company, however, is a very unpleasant experience. Three different investigations was opened as I requested and every time its outcome is so blurry about how they perform their works. 
First of all, the investigation came out as my responsible for the fraud as of they could not reach me through the contact information on my profile. However, I did not get any email as they are appeared correctly on the account, and they said they called the number ( on the profile ) which is not mine, they talked to somebody over the phone through that number who seems to know me!!! And decided end the investigation after talked to somebody who is not me. 
Second investigation ( after I called to follow up and provide them again the correct phone number ) they asked for additional proof that prove I was out of country in XXXX. I faxed over my passport and waited till they mailed me a letter with same decision. This time, I called and figured out, it because of my fax image was negligible to read. Well, ok, why did they not contact me or inform me so I can definitely fax the higher quality images? I called and WAS TOLD to fax it again so they can review. 2 more weeks passed by, nothing happened, called again and found out they did not put in another review as I did not say please open another review when I faxed the second copy. They also asked me did I file a police report when it happened. I did not when I found out back in XXXX after came back from XXXX. 
Third investigation, same outcome. I responsible for my fraud as they determined. This time is another story. They figured out the new chip card was mailed to me in XX/XX/XXXX and was activated in XX/XX/XXXX, one and a half year later. However, I have never received it and not aware of new card. I've been using the previous card and they verified it by have me read out the code on the card that I have on hand. The fraud was made by the new card ( which I never seen ) and activated online through my account. Came up with the clue that somebody who is very close to me got the card and got a chance to get my account log in info ( after 18 months waiting ) to made the fraud. And because I did not file police report which is another option for them to review when they mention about it after our talk in XXXX so I, again, responsible for this fraud. 
I did not report in XXXX because I did not know it is still significant to them for a 4 months late report. 
However, I reported to police today and open another investigation with them. 
I have a XXXX XXXX with an XXXX XXXX XXXX XXXX XXXX and not able to work full time and it just happened to me this year too. I have been a value customer to them for years and this is the first fraud ever happened to me. Thus the way everything get resolve is very disappointed.
Product: Credit card

I applied for a credit card from Bank of America and they denied me credit saying that I have a past due account with them and XXXX of their associate companies when I do n't have any account with them and do n't have any past due accounts at all. All of my credit accounts are current and never have been past due.
Product: Student loan

In XX/XX/XXXX, I wrote a letter to Navient asking them to send me the correct information about a closed loan that was opened in XX/XX/XXXX. They were reporting it to the credit bureaus as closed and paid late 120 days, but they never showed on the report the specific months or times when I was late. Each month just said OK or ND for no data. When I wrote them, they replied that my claim can not be substantiated and when I disputed the inaccurate information, they replied " meets provisions of the FCRA. '' In XX/XX/XXXX, this same account reported as " time since last late 72 months ago '' now it says " 43 ''. This is ALL wrong and if they ca n't fix it I want it completely deleted from my report bc it is damaging my other wise perfect credit.
Product: Credit reporting or other personal consumer reports

There is a delinquent credit card in the amount XXXX and it Fraud. I never applied for a credit card from XXXX, nor do I have a card of sort in my possession. And this delinquent status is effecting my score. None of my credit card I have is in delinquent status I make sure I make payments every month on time.
Product: Debt collection

XX/XX/XXXX for a balance of {$130.00} and then AGAIN on XX/XX/XXXX Sunrise Credit Services , Inc ( A COMPANY I HAVE NO INVOLVEMENT NOR CONTRACT WITH ) Threatened harm to my credit file in an attempt to collect monies which are NOT owed to them. 
They claim to be representing XXXXXXXX XXXX XXXX XXXX  ( Of which whom my account is CURRENT & PAID IN FULL ) My credit has been impacted by their malicious and illegal actions and Im demanding maximum payment allowed to me under the FCRA. 
Form of payment may be issued via check and mailed out to the address they have on file for me.
Product: Credit reporting or other personal consumer reports

In violation of 15 U.S. Code 6802, it has become clear that XXXX has disclosed my nonpublic personal information to at least 3 non-affiliated parties XXXX, XXXX, and TRANSUNION. As defined at 16 CFR 313.3 ( k ) ( 2 ) Personally identifiable financial information includes : ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ''. Per 15 USC 1681 ( Fair Credit Reporting Act ) and 15 USC 6802 ( Gramm-Leach-Bliley Act ), as a federally protected consumer, financial institutions are required per 16 CFR 313.7 ( a ) ( 1 ) to provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state a reasonable means by which the consumer may exercise the opt out right. 

XXXX has never given me a reasonable means of opting out of disclosure of my nonpublic personal information per 15 U.S. Code 6802, as required by law. I expressly OPTED OUT on XXXX XXXX XXXX  of any and all authorization that I may have given XXXX to disclose any of my personally identifiable financial information, whether such authorization was written, unwritten, verbal, non-verbal, implied, or assumed. I have recorded over 82 violations of my privacy regarding my accounts with XXXX since XXXX. 

Furthermore 15 U.S. Code 1681adefines ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. XXXX is willfully disclosing reports containing information solely as to transactions or experiences between XXXX and I to non-affiliated third parties. 

Pursuant to 16 CFR 313.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( c ) Partial opt out. Financial Institutions may allow a consumer to select certain nonpublic personal information or certain nonaffiliated third parties with respect to which the consumer wishes to opt out. 

I have received no response after my express OPT OUT, and are still disclosing my nonpublic personal information to XXXX, XXXX, and TRANSUNION.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I received a new inquiry about a possible loan I was planning on getting and talking with them over the phone but I NEVER gave them information and never gave them the possible go to through with my application and they just processed it. They said they it was pre-approved but overall, I never gave them the intention to process it and never signed any paper work to apply the application. please remove this inquiry as I have tried multiple times
Product: Checking or savings account

I wanted to close my checking account at U.S. Bank ( U.S. Bancorp ). I firstly transferred out all my money ( total {$1500.00} ) from my checking account on XX/XX/XXXX. On the same day, I called U.S. Bank ( U.S. Bancorp ) service center to close my checking account. The representative of U.S. Bank ( U.S. Bancorp ) refused to close my checking account on XX/XX/XXXX. The representative said that I had {$1500.00} transfer with pending status and asked me to call them the second day. I followed their requirement and called their service center the second day ( XX/XX/XXXX ) and asked them to close my checking account again. Another representative refused to close my checking account again. The representative told me that they would not close my checking account if I dont pay them {$6.00} fee. I told the representative that this fee was not shown on my U.S. bank app yesterday ( XX/XX/XXXX ). I already informed U.S. bank to terminate my bank service yesterday XX/XX/XXXX. They never charged me any fees before. It is not reasonable to charge me fees when I want to close my checking account.
Product: Credit reporting or other personal consumer reports

USC 1681 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) 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. 
( 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 USC 1681 ( li ) the information is, in fact, inaccurate. 

( A ) In general If, 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 ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Below are the listed accounts that are not accurate and needs to be removed immediately per law : XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Amount : {$1800.00} XXXXXXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Amount : {$1000.00} XXXX XXXX Opened : XX/XX/XXXX Inquiry : XXXX XXXX  ( Bank ) Date : XX/XX/XXXXXXXX XXXX XXXX XXXX