23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

They would not close my account without verifying my social security number. Since they allowed my social security number to be used without my consent i did not feel comfortable handing over this information. They were able to obtain my address in order to send me the debit card, but would not verify my account with my address. They will not close my account that I did not open. 

I'm not sure how you can open an account in my name without verifying who i am, but won't allow me to close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Amerifinancial, XXXX XXXX XXXX, and XXXX XXXX   several times pointing out that their reporting of this alleged debt on my credit report is inaccurate. AmerifinanciaXXXX continues to report this inaccurate and unverifiable information. See attached excerpts from my most recent credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report contains credit inquiries that I do not recall authorizing.The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm offer of credit 2. Insurance 3. Employment 4. Court Order The following credit inquiries are related to none of the aforementioned permissible 1. American Express ( XX/XX/2022 ) Please remove this hard inquiry from my credit report. I will also inform you that your offices have reported invalidated information to any of the 3 major Credit Bureaus XXXX XXXX, XXXX, and XXXX ) this action might constitute fraud under Both federal and state laws. Due to this fact, if any negative mark if found on any of my credits by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an ongoing issue with Apple Card Gold Sachs, a financial institution, concerning a balance adjustment fee refund request of {$130.00}. 

It was charged on XX/XX/2023 and I initially requested this refund on XX/XX/XXXX. Despite multiple calls to the company, I have not received the credited amount back into my account. Each time I contact their customer service, I am assured that the refund has been processed and credited, yet there has been no evidence of this in my account statements. 

Furthermore, the customer service representatives consistently state that they are unable to provide specific information about the department handling my case. Instead, they assure me that the matter will be forwarded to the appropriate department for resolution. Unfortunately, this process has yielded no results, and the refund remains unresolved. 

I have diligently followed up on my case by making monthly calls, filing multiple ticket numbers, and providing all necessary information. Despite my efforts, there has been no progress, and the situation persists. Moreover, they baselessly assert that my bank is causing delays, a claim debunked by my bank after numerous calls. 

This prolonged delay and lack of resolution are causing significant frustration and inconvenience. I believe that my rights as a consumer are being violated, and I am seeking your intervention to ensure a fair and timely resolution to this matter. 
Please find the details of the case below : * Refund Amount : {$130.00} * Request Date : XX/XX/XXXX * Multiple follow-up calls made * Assurances from customer service representatives without actual resolution * Monthly calls made for status updates * Multiple ticket numbers filed I kindly request that you investigate this matter promptly and take appropriate action to ensure the refund is processed and credited to my account as soon as possible. Your intervention is crucial in rectifying this issue and ensuring that consumer rights are upheld. 

Thank you for your attention to this matter. I look forward to a swift resolution with your assistance. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Complaint XXXX I submitted the information below. 
Some has used my personal identification information to open an account and applied for others that I was not aware of until recently. I have never heard of this company and have not completed any application to purchase anything from them or received anything from them. I am a victim of identity theft. There is no third party or reason to request any type of authorization. 
The company responded on XX/XX/XXXX that they need authorization to review my dispute which is obviously a computer generated response. SO I am sending this back again today to have you remove this FRAUD information from my report.
Product: Debt collection

I am writing to follow up on my previous communications regarding the dispute for account number ( listed in attach file ) which reflects an outstanding balance of {$2000.00}. Despite several attempts to resolve this issue, I have yet to receive adequate verification of this debt.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am requesting : 1. Proof that I owe this debt, including a copy of the original agreement or contract associated with this account. 
2. Documentation demonstrating that this debt was properly assigned or transferred to XXXX XXXX XXXX, if applicable. 

As I have previously stated, if you are unable to provide proper verification, I am requesting that all references to this debt be removed from my credit report immediately to prevent further damage to my credit standing. 

I have contacted your company multiple times without a satisfactory resolution, and I expect prompt compliance with this request. Please treat this matter with urgency and provide a response within the legally mandated timeframe
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

New Dispute : New Information Being Submitted THIS ISN'T A DUPLICATE : I'm " RE-UPLOADING '' my ID and Social. This information was submitted on XXXX and yet I received a very bias letter from Experian claiming they can not except my Identity Theft Complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called in 2017 to Carmax and attempted to make a payment over the phone with a debit card. The rep advised that they could not take a payment over the phone with a debit card and that I would need to provide my checking account information. She stated the only way I could make a debit card payment was at a carmax location. I advised her that I was overseas and my checking acct was frozen so ach nor checks will not process at the time. The debit card was the only way I would be able to pay at the time since I couldn't visit a carmax location. The agent said she would notate my account. The agent tells me to call on day 31 every month to make my payments because the account would show delinquent and at that point the system will allow a debit card payment. The agent even advised as long as I wasn't 3 months behind, I did not have to worry about a repossession of the car. The rep never once stated that her advising me to pay the payment on day 31 would result in negative reporting given that was their solution to my situation. I consistently paid for a year on day 31 under the direction of the agent. I have disputed the reporting numerous times with carmax who refuses to look into the call or properly investigate. I am requesting for the late payments to be removed because thats what their rep advised me to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me. I have tried everything that I know to do to get it removed. I have been at my current resident for 8 years and previous residence for 8 years and I have never lived in a apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to Experian on XX/XX/2022 disputing late payments. Experian did not send me a letter back with the results of the investigation. Since it has been over 30 days, the disputed items need to be removed.
Product: Credit reporting or other personal consumer reports

This is my follow-up regarding the disputed accounts on my credit report, which remain unresolved. I previously submitted a request for reinvestigation, but I have yet to receive a satisfactory response. I am again requesting that you provide the source of this information and the methods used to validate its accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX i checked my credit report and i saw two accounts thats on it without my permissible use. I never did business with these 2 companies on my credit report. I reached out to the vcredit bureau and they explained to me that i need a ftc report since i did not recognized these accounts. Also, i have a address on my credit report that i have never lived at. It is listed on the ftc report. I am asking that these account be removed from my XXXX and transunion credit report because i did not authorized or did business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a refinance with capital one my current lender is XXXX I have been on the phone for numerous hours trying to fix this issue capital one declined my refinance after approving it due XXXX erroronus reporting the Auto loan was closed. I have reached out to XXXX and will be also filing a report against them They report that since the reporting on the other two credit for us were correct that this issue was on XXXX this has cost me and I can provide proof well over {$3000.00} of savings and a {$40.00} a month savings on my auto loan as well as a few months of payments this has hurt my family financially and wasted a great deal of my time. These times are hard enough but when I major financial company calls me this much harm as well as XXXX passing the blame on to experience I am very upset all these long hold times in XXXX reporting has impacted my family and the issue needs to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my second letter about my credit report which is very serious. Please make sure it is not being ignored like my previous letter I sent on XXXX. I noticed various reports on my credit file which are very serious and due to inaccurate information about me on the credit file it is costing me a lot of money, wrong information causing me paying high interests or even getting refused if I want to finance anything. I believe my identity has been stolen and being used for fraud. 
It's really upsetting and I am a victim of mentally stress and financial stress. At least 60 days passed and they have not come back to me, if this letter continues being ignored. I will take further action and write to the XXXX  head office to file a complaint. Moreover, if it is necessary I will take them to court to sue them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I put a lock on my credit reports from Experian, XXXX and XXXX XXXX. Late last year I received an email from Experian that my lock had been removed. I did nothing to cause this, and tried to call them to find out what is going on. There is no way you can talk to a live person at Experian. But I did get emails from them regarding my account??? On my XX/XX/XXXX credit card statement there is a charge from Experian for {$19.00} for looking at my credit report, again???. When I called my credit card company, they put the amount in dispute, but also advised me that {$19.00} will be billed each month and I need to contact Experian to have it removed. So far, I haven't been able to talk to anyone at the company to find out what caused this to appear. 

I don't know where to go from here. I've had no problems with XXXX  or XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute your failure to properly reinvestigate and correct inaccurate information on my credit report. Specifically, my credit file still reflects a late payment from XX/XX/year>, despite the fact that XXXX has already corrected this inaccuracy after properly verifying it with the data furnisher. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, credit reporting agencies are required to conduct a fair and thorough reinvestigation of disputed information. If XXXX was able to verify with the data furnisher that the payment was on time, then Experian and XXXX should both reflect identical, accurate information. Your continued reporting of this incorrect late payment demonstrates noncompliance with your obligations under federal law. 

I demand that you immediately : Reinvestigate this matter with the data furnisher and ensure the accurate reporting of my payment history. 
Update my credit report to reflect that my XX/XX/year> payment was on time. 
Provide me with an updated credit report reflecting these corrections. 
Provide a detailed explanation of how this information was " verified '' in your previous investigation. 
I have attached the following supporting documents : A copy of my updated XXXX credit report, showing that the late payment has been removed. 
Prior dispute correspondence. 
A copy of my identification for verification purposes. 
Failure to properly correct this inaccuracy will result in me filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking all legal remedies available to me under 15 USC 1681n for willful noncompliance.

I expect a response within the 15-day period required by law. Thank you for your immediate attention to this matter.
Product: Credit card or prepaid card

Twice now you have closed my complaint, before any thing was resolved. 
Capital One has refused to discuss with me what they are using to prevent me from getting one of their cards. 
My credit rating shows up at 830-835, yet they claim it a little lower, but still in the 800 's. 
I have very little debt, but they will not give me specific reasons. 

I'm beginning to think that CFBP is not able to accomplish much. You just sit back and assume that because Capital One says it's resolved that you don't have to do anymore? 
Personally, I think I'm being discriminated against because of my age. 
I have had perfect credit pretty much my entire life. I work full time, and make a higher than average income. 
Capital One application number XXXX ; Capital One Case XXXX ; CFPB Case XXXX-XXXX. 
Who can I go to that has some ability to get direct and specific answers for me? Your agency seems to be unable to do much for me. 
Thank you, XXXX XXXX XXXX
Product: Debt collection

upon checking my credit report i notice a debt collector trying to collect a debt i have no knowledge of i have never signed a contract with them verbally nor electronically ever in the past
Product: Debt collection

XXXX   XXXX   XXXX    , I sent all three credit reporting agencies a letter, attached here to for your convenience, along with Certified Mail confirmation. I had requested verification of each account listed on the letter. There are many. Today we will concentrate on  XXXX   XXXX   XXXX . I did contact the company. They are looking for a  XXXX   XXXX , regarding an instrument for a  XXXX . I have NEVER been a  XXXX , nor do I know a  XXXX . The person at  XXXX  asked that I send a copy of my credit report to prove that it was on my credit report and advised that upon receipt they would remove it from my credit report. When I called on  XXXX / XXXX /  XXXX  , to confirm that my fax, attached here to, had been received.  XXXX  assisted me and advised that even though I was NOT the person they were looking for and HAD sent in my credit report  XXXX  could NOT do anything about taking it off of my credit report. I advised that it was a crime to knowingly present fraudulent information to be reported, not to mention for the credit reporting agencies to have NOT proof that it was my debit and still be reporting it. Regardless he said he not  XXXX  would do anything about my credit report.     This complaint is against : Equifax,  XXXX ,  XXXX  and  XXXX   XXXX   XXXX  for KNOWINGLY / CRIMINALY to date reporting FALSE information, information that they have knowledge is INCORRECT, FALSE, UNTRUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry from XX/XX/2018 Through XXXX XXXX I learned that the above hard inquiry was made in an attempt to get credit in my name. I did not initiate this or part of this request.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





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
Product: Bank account or service

I am filing a complaint because I have consistently been unable to log into my PNC financial account. I first contacted them about the issue via email on XX/XX/XXXX. They did not respond until XX/XX/XXXX ( approx ). The woman on the phone told me the login credentials I had set up had " expired '' and reset my password. However, while she was on the phone, I tried to log in and received the same error message that my user name was incorrect. She could not tell me why, put me on hold for 10-15 minutes ( approx ) and then told me the " system was down '' and that she had no idea when it would be back up. She contacted me once the system was up and I was able to log in. The next time I tried to log in, yesterday, only about a week later, I received the same error message that my user name was incorrect ( despite it being the same one I have been using since I opened the account in XX/XX/XXXX ). They are closed for the weekend, the issue is unresolved, and I can not file my taxes until they fix this account issue ( again ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act outlines the rights that Identiy Theft Victims and those who believe they are victims have the RIGHT to BLOCK FRAUDULENT INFORMATION FROM THEIR CREDIT REPORT AND STOP A COMPANY FROM REPORTING INFORMATION RESULTING FROM IDENTITY THEFT BLOCK AND REMOVE THESE FRAUDULENT INQUIRIES. 
XXXX NA XX/XX/2021 TRANSUNION FRAUDULANT INQUIRY XXXX XX/XX/2021 TRANSUNION FRAUDULANT INQUIRY XXXX XX/XX/2021 TRANSUNION FRAUDULANT INQUIRY XXXX XXXX XX/XX/2021 TRANSUNION FRAUDULANT INQUIRY XXXX XX/XX/2021 TRANSUNION FRAUDULANT INQUIRY XXXX XX/XX/2021 TRANSUNION FRAUDULANT INQUIRY XXXX XX/XX/2021 TRANSUNION FRAUDULANT INQUIRY XXXX XX/XX/2021 TRANSUNION INQUIRY
Product: Credit reporting or other personal consumer reports

I checked my credit report, noticed there was a collection reporting from I.C. SYSTEMS INC, opening XXXX XXXX XXXX  with a past due balance for XXXXXXXX XXXX XXXXor the amount of {$250.00}. I am not liable for this debt with XXXX XXXX. I do not have a contract with I.C. SYSTEM, INC they did not provide me with the original contract as I requested
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being made by me there is no third party involved. 
I am a victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credit, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my Social Security number has been used unauthorized, and without consent and written or verbal permission. My Social Security number information was breached and alleged creditors have used my Social Security number and are in violation of the privacy act of XXXX etc. unless they can prove a written contract exist. Furthermore they are also in violation of the Graham Leach Blily Act 15 U.S. Codes section 6801and 6802. 

On XX/XX/XXXX, CHEXSYSTEMS agent XXXX XXXX received via certified mail number XXXX XXXX XXXX XXXX XXXX my FTC identity theft report, notarized FTC identity theft affidavit and proof ID. CHEXSYSTEMS has removed the fraudulent inaccurate addresses and email address on my consumer report but has failed to comply with the Fair Credit Reporting Act and remove the fraudulent in accurate account from XXXX XXXX  from my consumer report. If this fraudulent an accurate account is not removed from my consumer report within four days as required by the FCRA, I will file a lawsuit for damages for civil liability for willful noncompliance. pursuant to 15 U.S.C 1681n.

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( 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. 

Indeed, no more than an affidavit is necessary to make the prima facie case. United States v. Kis, 658 F.2nd, 526, 536 ( 7th Cir. 1981 ) ; Cert Denied, 50 U.S. L.W. 2169 ; S. CtXXXX XX/XX/XXXX I have already filed a complaint with the XXXX XXXX XXXX  regarding this matter under case number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We Continue having a credit reporting issue, from all credit agenc y Trans Union,  XXXX ,  XXXX . Reporting that we still have an auto loan from   XXXX   XXXX   XXXX    XXXX    that no longer exist. We continue to ask this issue to be corrected without success. Any help with this problem would be appreciated.