23daVinci/CFPB_Complaints huggingface dataset:
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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block 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 XXXXXXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXXDate Opened : XX/XX/2017 Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent itemsin my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$160.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$120.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$330.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$15000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$300.00} XXXX XXXX XXXX XXXX {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent request for information via email and mail to JJ Marshal and Associates. I have not received the information from JJ Marshal and Associates as to why I am submitting this complaint. I am requesting information from JJ Marshal and Associates in the correspondence attached to this complaint.
Product: Credit reporting or other personal consumer reports

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case!
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. 
These are unauthorized and dont belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
I looked at my Transunion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate and with out my knowledge. 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 ( eXb ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed ( A ) in generallf, 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 venfied, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation ; and prompty XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nas been moomed 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.
Product: Credit card or prepaid card

Barclay 's XXXX XXXX had excellent points/rewards. I had saved my points fo over 3 years amounting to over {$500.00} dollars in points/rewards. They changed the card to Barclay 's XXXX and my points are gone. I have called multiple times and I am told they will come back but it has been 4 months and I keep receiving the same response. This is a clear violation of terms and conditions and they seem to have complete disregard.
Product: Credit card or prepaid card

I received an email about two weeks ago from Chime, telling me that my " new card '' was being sent to an address I haven't lived at in over 6 years. Because I have never had a Chime card, I sent them a request the same day to cancel the account. Since then, I have had repeated requests for more information - what email address was the notice sent to ; send us a screenshot of the email ; confirm your current address ; send us a picture of your photo ID and last four of your SSN. With the last request for a picture of my ID and my SSN, I have had enough. I am not going to send an either to a company I do not know anything about and with whom I do not have a relationship.
Product: Mortgage

In a form letter dated XX/XX/XXXX U.S. Bank advised me that they have told a credit bureau about a late payment, missed payment or other default on my account. This notice was forwarded to the credit bureau by U.S. Bank over XXXX cents. Yes, XXXX cents. I just wanted to put this report in proper context. 

On XX/XX/XXXX at approximately XXXX hours I contacted U.S. Bank by telephone. The third person I spoke with identified herself as XXXX and stated she was a manger. She later provided me with a direct telephone number of XXXX. I gave her my payment history for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I explained that XXXX XXXX payment was due XX/XX/XXXX. I did not want the payment to be late, so I made the payment on XX/XX/XXXX. She stated it looked like U.S. Bank applied two payments to the same month. She stated that the matter was completely 100 % the banks fault and that she would file a dispute with U.S. Bank on my behalf. 

The story changed when I received a second letter from U.S. Bank. This letter stated that my payment on XX/XX/XXXX did not satisfy the amount due on XX/XX/XXXX because the payment was XXXX cents short. The letter stated that this left my account past due and a late fee was assessed on XX/XX/XXXX. The letter stated my payment on XX/XX/XXXX satisfied the payments due on XX/XX/XXXX and XX/XX/XXXX to bring my account current. 

Please note that I have been a customer in good standing with U.S. Bank for several years. I have both a home equity loan and a mortgage with U.S. Bank. I never received notice that my payment was XXXX cents short. I was not provided with an opportunity to pay the XXXX cents before I was charged with a late fee and reported to the credit bureau. I made a payment to U.S. Bank for over {$350.00}. Again, it was XXXX cents short. 

The third letter I received from U.S. Bank stated, the account information submitted by U.S. Bank to the consumer reporting agencies was accurate and no changes will be submitted. I believe U.S. Bank has treated me shabbily. I wanted the opportunity to put any generic statements via form letter the bank made in proper context. My FICO score has dropped considerably and I hope you will consider my position
Product: Credit reporting or other personal consumer reports

I am sendin

g this letter to advise that there is information on my credit report that is wrong and that needs to be address and under the 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES ( from here on referred to as FCRA ). The first thing that needs to be addressed is the personal information listed on my reports. I have never lived at any of the addresses, and they MUST be removed as they are a part of the fraud accounts and under the FCRA they are to be removed and blocked from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to address the account XXXX are FRAUD on my credit report as I have never opened the accounts nor have, I allowed anyone to open the accounts in my name. I have not gained any benefits from the accounts being open. Under section 1681c2. Block of information resulting from identity theft : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. Of 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES. The following accounts are to be removed and blocked from my credit report indefinitely due to Identity theft. 
XXXX. XXXX XXXX XXXX XXXXXXXX Account XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX Account number XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX BANK Account number XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XX/XX/XXXX XXXX. XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed some fraudulent accounts on my report. Please remove the accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered only a {$700.00} credit card with this company and spent {$650.00} on it planning to pay it back when the account balance was due, The very next day they sent the {$650.00} report to the credit bureau saying i owed them this when i called, the lady explained that they report on the XXXX of every month so i thought it was my mistake but later on i was informed that they report on the end of every month this has cause my credit score to drop from a 670 to a 590 which coupd cause significant financial hardship.
Product: Mortgage

Loan taken out in XXXX  and was escrowed for property tax and insurance. Servicer was negligent in paying property tax and insurances on time or not at all causing property to fall seriously delinquent with city and county. I had to rescue from foreclosure for back taxes and rake over paying them myself. However servicer still escrowed loan. Escrow account should have been applied as extra principal payments therefore paying off loan early. Also servicer would wait to apply payments causing inflated interest and forced placed insurances which were not needed because I carried my own insurance outside of mortgage.
Product: Debt collection

On XX/XX/2016 XXXX CST, I recieved a call from XXXX, claiming to have a " collection matter '' that was placed with Statewide Credit Corp , in XXXX IN. The femaile caller refused to indicate " who '' the creditor was, and demanded me to verify who I was. I still demanded to name of the " creditor '' and was refused. The female caller became very abusive, and I terminated the call.
Product: Debt collection

Santander Consumer USA was paid in full and they agreed to remove this debt from my credit report however it is still listed on there. I NEED THIS REMOVED!
Product: Debt collection

I received a letter in the mail from this company in XX/XX/2022 stating I owe a bill for XXXX {$240.00}. I sent a letter to XXXX XXXX XXXX in XXXX of 2022. I never received any notification back from XXXX XXXX XXXX within 30 days. Today i looked at my credit report and they have reported a balance of {$240.00} but they failed to provide me with any documentation to validate this debt and also failed to reply in a timely manner.
Product: Credit reporting or other personal consumer reports

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have asked Doctors XXXX to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX/XXXX/XXXX and XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Money transfer, virtual currency, or money service

I made an error and accidentally transferred money from my Venmo account to an old, now closed bank account on XX/XX/XXXX. I caught my error quickly but it was an instant transfer and I was told nothing could be done until the bank bounced it back during business hours. I called the following Monday, XX/XX/XXXX and they had rejected the money and sent it back to Venmo. It is now Monday XX/XX/XXXX and my {$610.00} is still not returned to me in my Venmo account. Their customer service has been completely unhelpful. I dont know what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Student loan

I have my student loan serviced now through Navient. I have also submitted by complaint and concerns to Navient, but to no avail. Navient was responsible for the decline of my credit score and reporting information that was erroneous solely because of Navient dropping the ball. I faxed over my banking account information and called them repeatedly to ensure that my loan was being taken out of my account so that payments would be current. I did not find out until it was too late that they never took out the payments and that caused me to fall three months behind. I do not regularly check my checking balance, it is not necessary as I know what is taken out and keep a balance from falling below a certain level. I truly feel their not taking out the payment was done purposely and with intent to have this negative reporting. I sent them all the paperwork proving that they received the information. i spoke to numerous managers and staff to try and have this reversed. They are somehow " blaming '' the government for this, I do n't understand how that makes sense, but regardless, it was them dropping the ball on this. After the fax was received, I spoke to a customer rep who assured me they had it there and the payments were being taken out. 
Not only is this the only issue with Navient. I have been told not to make extra payments, I have been charged interest while on forbearance, they never looked into other options for me. 
This whole loan process has been a disaster and I called them asking for an audit of my account, and I was refused. Please help me figure this out and because of this negative credit reporting, I am unable to get credit cards, take out a mortgage or do anything credit related. Thank you.
Product: Debt collection

This company stated that they sent me a letter stating I owed this debt. Once again I didn't receive anything in the mail from this company there for I was not able to dispute this debt. My mail box is broken and I asked my apartment complex to fix it and they still have not. I don't know what happened to the letter they said they sent. I was not giving a chance to dispute before this was sent to the credit bureaus. This needs to be removed. I was not giving notice. I will file a complaint with the states attorney general office if this not rectified.
Product: Credit card

" Did you change your mobile number? 

Lets make sure weve got the right number. 
XXXX, Looks like the mobile phone number we have on file for you may be incorrect. This could be the result of changing your phone number and/or mobile carrier. Please update your mobile number so you can receive important account alerts. '' I received an email ( above ) from Capital One at XXXX on XX/XX/XXXX  while out of town at a business event. I raced back to my hotel room to check if my identity was stolen which had happened a month prior with another credit card. 

I logged on to the Capital One to find my phone number had not been changed. I called Capital One customer service and the first rep. denied it was sent, then I spoke to a supervisor and she admitted it was sent but could not explain why it was sent. 

This erroneous email caused me stress and lost time ; as I noted I just had a identity theft breach on another credit card. This is wholly unacceptable.