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

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance XXXX {$380.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MI XXXXXXXX XXXX XXXXXXXX Balance : {$890.00} XXXX  XXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$130.00} XXXX XXXXXXXX Balance XXXX {$65.00} XXXX  XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2018 I disputed a account with Transunion, and XXXX, both credit bureaus responded back saying the account was verified and accurate. Well both credit bureau stated that I should contact the original creditor after they verified the account, well I am a consumer and exercised my rights by sending the original creditor a debt validation. I have a right to see information and a signed contract from the original creditor, well on XX/XX/2018 I sent a certified letter to XXXX XXXX to the address listed on my credit reports, well XXXX XXXX # XXXX received the letter on XX/XX/2018 at XXXX XXXX, I have attached a copy of the letter written by me XXXX XXXX. and I have attached a copy of the certified mail receipt. XXXX XXXX received the letter and failed and refused to respond to me. Todays date is XX/XX/2018 and they have yet to write me back or send me any documentation that is required for me to see proof that the account belongs to me, Per the FCRA any account that unverifiable needs to be remove from the consumer report asap.. I am the consumer and I have all rights to see what information they have to show that this account belongs to me,, I'm not paying no account that's unverifiable I sent the letter to the company and they refused to comply,,, Transunion and XXXX your are placing unverifiable information/accounts on my credit file,, XXXX XXXX failed and refused to send me what I am entitle too see. this is a violation of my rights under the FCRA I have right and XXXX XXXX broke the law by not responding to me the consumer, this account needs to be removed asap from my credit file,, or a suit will be file,,, and no I'm not disputing information on my credit report I am demanding that this account be removed from my credit file for the non compliance and breaking the laws under fcra due to XXXX XXXX failing to respond to me within 30 days they have plenty of time to respond they failed. remove this account asap, I provided my address and ssn and they still failed to respond to my certified letter. This is not right that we contact the original creditor and they still fails to respond and reply,,, I will be getting a lawyer.
Product: Credit reporting or other personal consumer reports

VIOLATION OF 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) Procedure in case of disputed accuracy. 

I REQUESTED FOR THE CREDIT BUREAUS, XXXX, XXXX, AND EXPERIAN TO BLOCK INFORMATION PURSUANT TO SECTION 605B ( C ) OF THE FCRA. 

As per Section 605B of the FCRA requirements i provided proof of my identity, the specific information that was the result of identity theft, a copy of my complete and submitted identity theft report with the FTC and a statement that the information is not information relating to any transaction by me the consumer. 

The Credit Bureaus did not comply and are in violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) Procedure in case of disputed accuracy. They reinserted the information and did not notify me period and did not follow the allotted time required by law. 

15 U.S. Code 1681i ( a ) ( 5 ) ( B ) Procedure in case of disputed accuracy. 
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for a failing to improperly. Investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours. Stating the account is accurate without providing any evidence of thorough investigation. This practice violates the fair credit act reporting. Which mandates a reasonable investigation of disputes? Furthermore, Equifax actions may also contravene.The consumer financial protection act as highlighted in the cfp b 's recent administrative Proceedings against them similar violations.I request that CFP b take action to ensure Equifax.Complies with the federal law and provides consumers with the necessary proof of investigation
Product: Debt collection

Phone service was suppose to be disconnected. Because I was lied to about services offered. They waited longer period of time to disconnect and then wanted to charge me more.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX are reporting my credit card utilization which the law say it is illegal to report transaction history 15 U.S.C 1681a ( 2 ) Exclusions. I did not give them any written consent verbal or nonverbal authorization to add anything to my consumer report which is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 stat.146 ) I also have accounts on my credit report that are " Charge Off 's '' & is considered a Certificate Of Indebtedness which means its income & can not be reported to my credit report & needs to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are Charge Offs which need 's to be removed. XXXX Equifax XXXX have inquiries I need removed from my report that I do not have open accounts 15 USC 1681b Permissible Purposes Of Consumer Report. I also need all late payments to be updated to paid on time 15 USC 1966b Timing Of Payments. I also need all credit bureau 's to assure maximum accuracy of information on my report15 USC 1681e ( b ) Compliance Procedures Accuracy of report because the information do not match not even my credit score everything needs to match which is violating section 1681b Permissible Purposes & 1681c Requirments Relating To Information Contained In Consumer Reports also 15 USC 1681c ( a ) ( 5 ) states except as authorized under subsection ( b ) no consumer reporting agency may make any report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years which they have five records that are more than seven years old on my report that needs to be removed & these accounts is an adverse item they are reporting again without my permission which is against the law 15 USC 1681s -2 ( A ) ( 1 ). they also violating the Privacy Act of 1974
Product: Checking or savings account

On XX/XX/XXXX I have an unauthorized withdraw from my company checking account for the amount of {$4000.00} Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$1300.00} Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$1000.00} Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$1300.00} ( But ONLY this amount was returned on the following date, XX/XX/XXXX. 
Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$2000.00} Then on XX/XX/XXXX another unauthorized withdraw for the amount of {$2000.00} I called Chase bank many times, but they haven't been able to help me or return any of these funds!! The only funds that I received back was on XX/XX/XXXX for the amount of {$1300.00} All the other unauthorized withdrawals for the total amount of {$10000.00} are still out of my account. I need this amount to be returned into my account
Product: Credit reporting or other personal consumer reports

I had my identity stolen and have filed an identity report more than once. I have sent the report to Equifax and they still won't remove the inquiries. I also had my information leaked via Equifax and I have also sent a copy of the notice I got from them stating this. And they still will not remove the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account #, 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 15 U.S.C 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: Checking or savings account

On XX/XX/18 I opened a Bank of America checking account with referral-promotion code XXXX. This promotion code entitled me to {$150.00} bonus after meeting certain requirements such as two direct deposits of {$500.00} or more each within 90 days of account opening. 

I can confirm I met these requirements, however I was paid only {$100.00} on XX/XX/2018. for the promotion. After talking to Bank of America, their customer service representatives are clueless and continue to escalate the situation by opening up " tickets '' to supervisors which I never hear back from. Wasted time, efforts, and resources for the promotion that was not given as promised. 

I have attached the promotion page and promotion code given to me through a referral that stipulates all the requirements. Bank of America should and WILL honor the promotion for the {$150.00} as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Allied Interstate reported a delinquent account from original creditor XXXX XXXX as a debt owed of {$360.00} on XX/XX/XXXX. Account was not on credit report at time settlement payment was made on the same day by myself. Spoke with XXXX XXXX ( identified as supervisor ) to request they remove from credit report. He refused to remove and stated they will update information as paid. I had already paid the settlement amount within timeframe given on letter received by the company which gave me up until XX/XX/XXXX to pay. Company never informed me they will be reporting this again after it was initially previously removed in XXXX. I informed this supervisor that not only did they report false information because account was paid but also they were in violation because according the FCRA I am to be given a 5 day notice before an account is reinserted. Please remove this account from my credit report. He continued to refuse. I also informed him I will be retaining a lawyer if the company continues to refuse to remove false information. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to buy a home since XX/XX/2022. Equifax is not allowing my lender to pull my equifax report. I have updated my address disputed my sons social security number from showing up on my equifax report and nothing has been done. My lender is receiving an alert from equifax when they try and pull my equifax report and its stating fraudulent the consumer report youre trying to access has been identified as fraudulent. Its prohibiting me from buying a home for my family. I need it taken care of as soon as possible.
Product: Checking or savings account

Net spend has been receiving my stimulus payments and taxes for the past 5 years
Product: Credit card

My issue is with my Capital One Mastercard. I opened a binary options account with a {$300.00} deposit to try out the platform and on or about XXXX XXXX, 2016 I received a call from XXXX XXXX XXXX, Head of Corporate Division, he told me that he would show me how he could make me a lot of money if I worked with him, he asked me to login to the platform and gave me a series of small 30 second trades and they all won, that was very impressive, then he said to invest more money that he would guarantee similar results and would call me 3 times a week with winning trades, that he consistently had a success ratio of over XXXX %, I regretfully gave him my credit cards and I sent him another {$11000.00} using a combination of credit cards among them my Capital One MasterCard ending in XXXX in an amount of {$6000.00}, then the next day he said that his boss got mad at him because he had committed to help trade such a small account that he needed me to deposit another {$25000.00} I told him that it was n't going to happen because I did not have it, he told me to come up with it somehow he even suggested that I should go and rob a bank and this I swear on my father 's ashes and I refused, ok here is where it gets ugly he said that because my account needed a higher balance he was going to give me a bonus and would double my balance, he increased the account balance to {$22000.00} and after that he said that in order to withdraw I needed to trade 50 times the bonus amount, in other words {$550000.00}!!! I told him that I did not know how to trade and he replied not to worry that he would give me the winning trades and in 2 months he will have given me trades exceeding the required amount. I started researching and saw horrible reviews on XXXX XXXX and their tactics, I asked him to send me my funds back, he said that he could not because he had given me a bonus, the funds were intact in the account all he had to do is back out the bonus and send me my money back, he did n't and he said that he was not going to be able to give me trades for 3 weeks because he was going on vacation that he was going to have someone call me, a few days later I received a call from a female trainer who gave me a 15-20 min instruction on how to trade and that is the last I heard from XXXX, I called and emailed several times in the following days and I received no response ever again, they kept my money and closed my account. I protested the charges to my credit card and XXXX XXXX Visa helped me, I got {$5000.00} but Capital One did not help me with the remaining {$6000.00} and they told me that they could not do anything, basically I am losing {$6000.00} because the actions of these thieves.
Product: Credit reporting, credit repair services, 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. 

Account Name XXXX XXXX  Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  CT XXXX NJ XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX SXXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX The following phone numbers do not belong to me please delete them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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

I FOUND OUT THAT MY PERSONAL INFORMATION WAS EXPOSED DURING THE EQUIFAX DATA BREACH AND EVERYTHING NEEDS TO BE REMOVED FROM MY CREDIT REPORT ACCORDING TO THE FCRA 605B. I LOOKED UP THE BREACH INFORMATION AND I WAS PROVIDED INTEL THAT MY INFORMATION WAS EXPOSED THIS NEEDS TO TAKEN CARE OF WITH ALL THREE REPORTING AGENCIES IMMEDIATELY AND NOT TREATED LIKE A 30 DAY DISPUTE. THIS IS UNACCEPTABLE. I DO NOT HAVE A COPY OF MY SSN ON HAND BUT MY SOCIAL IS XXXX. I AM PROVIDING A COPY OF MY DL WITH CURRENT ADDRESS AND A SCREEN SHOT OF CONFIRMATION FROM DATA BREACH WITH A REFERENCE NUBER TO FILE
Product: Credit card or prepaid card

A notification was sent from American Express that they would be reviewing my credit limits for account ending in XXXX. It did not indicate that the account was overdue and upon checking with the organization and online at all accounts, all accounts were current and the next payment is due XX/XX/2021. The accounts are on autopay and as my husband had closed his checking account, I paid with my account for the Amex account ending in XXXX. The following payments were made for each account : XXXX- XX/XX/2021 {$100.00} XX/XX/2021 {$230.00} XX/XX/2021 {$140.00} XX/XX/2021 {$160.00} XX/XX/2021 {$180.00} More payments are on record and indicated that the accounts have been current and paid on time and never late. No attempts were made minus 1 instance that payment was due in which it was paid through another bank account. 

Account XXXX- XXXX  XX/XX/2021 {$500.00} XX/XX/XXXX, {$6.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$190.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$500.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$240.00} XXXX XXXX XX/XX/XXXX {$260.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$310.00} There was no notification that cancellation or closure would occur, as well as no communication as to why. The organization did not ask for additional objective evidence from me as to how to keep the account open, nor did they notify me that this would be the outcome. The accounts were always in good standing and not overdue. They had been paid on time and did not offer additional options to even keep it open. Given the cardmember agreement, this violates their own terms as well as the fair credit act reporting guidelines to unjust treatment. This evening at XXXX XXXX  on XX/XX/2021, Amex offered to reinstate or review reinstatement if I just paid them $ XXXX more on an account. Given that the account is not due until XX/XX/XXXX and the payment was just made, I denied to do so, as none of the accounts are overdue or are above the credit line. There was no notification of adjustment to credit line either during this time.
Product: Credit reporting or other personal consumer reports

Equifax is been playing with my personal information for years. I requested this address it to be removed from my credit many times but nothing happened. I never live in those addresses, so they should never be in my file.