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

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX THE XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$4700.00} written off. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Account charged off. {$3500.00} written off. {$4300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$4400.00} XXXX Account charged off. {$4400.00} written off. {$4400.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$14000.00} XXXX Account charged off. {$14000.00} written off. {$14000.00} past due as of XXXX XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$6600.00} XXXX Account charged off. {$6600.00} written off. {$6600.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Collection account. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Collection account. {$4900.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3200.00} Status Collection account. {$3200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$4300.00} XXXX XXXX account. {$43.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have gone so far in proving to you that I am a victim of identity theft to the point that I have already called the furnisher and guess what? They have agreed to DELETE the accounts so why dont you delete them now? I have forwarded to them my FTC just like what I did to your agency and they are aware of the misleading information on my report. I need you to do your job as well just like the creditor did. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. PLEASE DELETE these accounts below 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 reporting or other personal consumer reports

In accordance with 605B of the Fair Credit Reporting Act, I am submitting this complaint regarding fraudulent accounts that were opened in my name without my knowledge or consent. These accounts are the result of identity theft, and I have already filed a dispute with the relevant credit reporting agencies. However, they have failed to act in accordance with 605B. As required by law, I am providing the necessary documentation, including my FTC Identity Theft Report, proof of identity, and a signed statement confirming the accounts were not authorized by me. Under 605B, the credit reporting agencies must block and remove this information within **four business days**. Fraudulent Accounts Identified : XXXX. XXXXXXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$27000.00}. XXXX. XXXX XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$11000.00}. XXXX. XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$6900.00}. XXXX. XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$24000.00}. XXXX. XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$3700.00}. XXXXXXXX XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. XXXX. XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$5800.00}. XXXX. Collection account from XXXX XXXX with account # XXXX and a balance of {$12000.00}. The original creditor is XXXX XXXX XXXX. 

I request immediate action in blocking and removing these fraudulent accounts. Please ensure the credit bureaus comply with the FCRA as these accounts are causing significant damage to my financial standing.
Product: Credit card or prepaid card

I've been attempting to make payments on accounts with Comenity Bank including XXXX and XXXX XXXX since XX/XX/XXXX, the web-sites for both accounts are being updated, according to rep spoken with today, XX/XX/XXXX. I attempted to make a future payment for XXXX, when payments are due for both accounts, was told to speak with collections... However, the collections rep advised she can not make a payment due to update ... It is not clear when sites will be operational, which is not my error, should not be charged late fees..Payments are due in two days, it does not appear site will be up anytime soon..
Product: Debt collection

This debt has just appeared on my credit report. The amount is {$800.00}. I have never received any communication regarding this medical/other debt. My social security has been used with MIDLAND FUNDING LLC. Please understand that this debt is not mine and needs to be removed from my XXXX, XXXX and XXXX reports. That is the fair and honest solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with ALLY FINANCIAL INC . I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof, XXXX, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
ALLY FINCL XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX Date of XXXX XXXX XXXX Date of XXXX XXXX XXXX  XXXX Date of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago, I received an alert from my credit monitoring service indicating a negative account was added to my XXXX  and XXXX  credit files by Plus Four so I drafted up a letter and mailed it to Plus Four via USPS Certified mail with Returm Receipt. Several days later, the mail was returned to me as undeliverable because Plus Four refused delivery. I have included photos of the actual letter I sent along with front and back pictures of the envelope with postage/certified mail sticker/return receipt still attached, with the word " Refused XXXX '' written on the front of the envelope and the envelope remains unopened. Under the Fair Debt Collection Practices Act, I have the right to validate the alleged debt and due to Plus Four 's deliberate intent to evade this process, has not afforded me the opportunity to do so. Their failure to validate debt and accept mail delivery to their business is a clear violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt was erroneously sent to collections by XXXX. XXXX confirmed it was an error on XXXX XX/XX/2022. XXXX says this must be corrected by the debt collection agency. Debt collection agency says this must be corrected by XXXX
Product: Checking or savings account

They DID NOT RESPOND TO MY LAST COMPLAINT OF XXXX 

I can spend over two hour in the morning just trying to get competency. They simply DO NOT CARE. 

Often, people at their physical banks are rude and will not help even though I have to bring my computer there. 

The phone is the worst unless I am lucky to get someone with actual knowledge. 

I have many automatic deposits and have been a customer for a very long time. 

I am quite disheartened at the treatment towards older seniors. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was the victim of a sophisticated wire fraud and lost {$25000.00} in this fraud scheme with Chase. I have been dealing with a Chase representative who has guaranteed and assured me that after following all the procedures and necessary reports, Chase would reimburse me. I have lengthy documentation of my case and have written directly to Mr. XXXX XXXX, CEO of Chase. After nearly 6 months of working with Chase and being misled, they told me they will not reimburse me. Chase has had all of our reports and document filings for months -- if I did not qualify for reimbursement as guaranteed by the branch manager, why did it take all of this time for them to now reject my claim. Chase is being negligent and reneging on their promise to reimburse me for the wire fraud. 

I have attached the police and XXXX reports, my attorney 's demand letter, and detailed emails sent directly to Mr. XXXX XXXX, the Chase branch manager from the XXXX. XXXX, NJ Chase office who assured and guaranteed me I would receive my {$25000.00} reimbursement for the last 6 months as well as the emails sent to Mr. XXXX XXXX. My father has also been helping me with this case and has spoken directly to Mr. XXXX XXXX, the branch manager and helped with emails sent directly to Mr. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an unauthorized and inaccurate collection account being reported on my credit file by XXXX. I have already exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by formally requesting that the debt collector cease all communication with me, as outlined in 15 U.S.C. 1692c ( c ). Despite this, they continue to report the account to the credit bureau, which is a direct violation of my rights and negatively affects my credit score and financial standing. This also constitutes a violation of the Fair Credit Reporting Act ( FCRA ), as the information being reported is both inaccurate and unlawfully maintained after my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} and XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}. Please delete.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called Wells Fargo to close my credit card. I had a credit balance of {$46.00} and requested for a check to be sent to me. I called again on XX/XX/XXXX checking where my check is. I was told it would take 7-14 business days. I called again on XX/XX/XXXX, I was told by rep XXXX that I'll give it until XX/XX/XXXX, and call back on the XXXX if I didn't receive the check by the XXXX. I requested for the check to get replaced but XXXX was not willing to replace it. I called again XX/XX/XXXX, spoke with XXXX, still no check and was told to wait until XX/XX/XXXX. This has been going for over a month and it makes me wonder if a check was really sent. It is hard to trust Wells Fargo since this company has a tarnished reputation and a repeat offender.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX/XXXXXXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

XX/XX/2023, I reported to Bank of America a check was stolen from a XXXX XXXX XXXX XXXX XXXX CT and cashed by a wrongful person in XXXX CT at a XXXX XXXXXXXX XXXX XXXXXXXX. I have a police report and documentation of the case, a representative from XXXX XXXXXXXX XXXX also has contacted me. This case has expanded to XXXX XXXX NY, Pennsylvania and XXXX Connecticut. The check was intended for my contractor in Florida and he never received it The check never left the state of Connecticut. I have faxed them all the pertinent information they have asked for with full documentation. I have asked them to contact the XXXXXXXX XXXX police and XXXXXXXX XXXX XXXX where the check was wrongfully cashed. The police informed me there is an arrest warrant for the culprits. This case did not effect just me. Bank of America in my opinion has done nothing but treat me like a criminal. They only accept documentation via a fax number which I send via the XXXX XXXX. I have called monthly and every time I get an update from XXXX XXXX. Each time I have called it is another service rep from a different state. There is never a resolution or confirmation as to when I will be reimburse. At one point they denied they claim, I reopened it and sent them more information. I have waited for almost 6 months for the check to be reimburse. The check is for {$10000.00} and has put me in a financial pinch. Any help to get refunded would be appreciated.
Product: Debt collection

continue to call work to collect debt. collection agency was notified several times to stop calling at work.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX 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

XXXX XXXX added a old bill to my Exprian Report that was more than 7 years old and report it as new and recently open. It was removed from other 2 credit agencies but Exprian won't remove after dispute. Is it not illegal to recycle old debts as new and credit agencies allow it?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several certified letters demanding Equifax to remove all closed accounts, inaccurate information and a collection from a third party to which I never had a contract with. I am not a third party and am speaking on my own regard. I am a natural person, consumer and the original creditor. Equifax has already caused me public pain when I inherited accounts I've neve had because of their data breach in which I have also filed a claim for. Pursuant to 15 usc 1681b- Permissible purposes Equifax never received any written consent from me to publish anything on my consumer report. Thus violating my consumer rights.
Product: Credit card

On XX/XX/, I request mile transfer from chase sappire preferred credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and there is 30 % bonus mile at the time, but at the end, I only receive the base mile, but 30 % bonus mile never arrive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to Equifax multiple times demanding them to remove the following items off of my consumers credit report and they failed to do so. Equifax has broken NUMEROUS XXXX laws. Reached out to them via mail/certified letters with return receipts. Equifax did not have permissible purpose to report anything to my consumers credit report. Equifax received information from someone other than myself. Thats aggravated identity theft! Equifax also didnt have my written consent to report anything to my consumers credit report. no consent is identity theft! It has been well over a month! Per the fair credit act, section 611 ( a ) ( 5 ). You have 30 days to investigate disputes. Equifax must delete the dispute and unverified accounts. Failure to do so can result in {$1000.00} fine per undeleted item.
Product: Credit reporting or other personal consumer reports

a closed bankruptcy is on my credit and LexisNexis will not remove it, even though I verified with the court they do not validate credit reports, nor do they report bankruptcies to credit reporting agencies. This creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish account without my written instructions
Product: Credit reporting or other personal consumer reports

I have provided my photo ID along with required documents. 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX Which was open on XX/XX/XXXX for the amount of {$950.00} XXXX XXXX which was open on XX/XX/XXXX for the amount of {$1300.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$900.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$980.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$2000.00} XXXX XXXX which was open on XX/XX/XXXX for the amount of {$19000.00} XXXX which was open on XX/XX/XXXX for the amount of {$5400.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$210.00} XXXX XXXX which was open on XX/XX/XXXX for the amount of {$150.00} XXXX which was open XXXX XX/XX/XXXX for the amount of {$140.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$1400.00} has violated my rights.

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also States a consumer reporting agency can not furnish an account without my written instructions in fair resolution.