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

XX/XX/2020 I was forced to close my XXXX checking account and re-establish a new account due to suspected fradulalent activity. I am unable to establish a checking account due restriction placed on me through a company called Early Warning Services. I have been in contact with Early Warning Services and have an unresolve dispute. I believe misleding information reported by XXXX to Early Warning Services regarding the suspicious activity that had occurred with my personal banking account. I have no balance owed to any financial institution including XXXX. Why am I being restricted? I was the victim.
Product: Debt collection

I keep receiving telephone calls of harassment, profane and abusive language, threats of XXXXXXXX jail, prison and XXXX  from LVNV Funding LLC and XXXX XXXX XXXX XXXX in regards to an account from the original creditor XXXX XXXXXXXX XXXX  with a balance of {$7100.00}. The account is fraudulent and the result of identity theft. The account is not mine. Its a fraudulent account and the result of identity theft. The account dont belong to me.
Product: Debt collection

I contacted the collection agency Blakely Witt & , Assoc to request a validation of debt since one was never received. I was not mini Miranda. The collection Manager XXXX XXXX was extremely rude. He would take my information and i was hung up on several time. I was told he does n't have to help me with anything and to send the request for validation of debt in writing. Ask if I could speak to someone Else but he would n't allow me to stating he was only the there.
Product: Checking or savings account

On XX/XX/2023 I mobile deposited a check in the amount of {$6400.00} addressed to my XXXX as I am XXXX XXXX XXXX XXXX XXXX XXXX  I previously had a business checking account with Chase and was unaware it was closed due to inactivity so the check went to my personal account. Once the check was deposited I received an alert that hold was placed on the check due to the payee name and was advised if the issuer confirmed the check could be paid to me as well the funds would be released into my account. The fraud specialist found the phone number of the issuer on their website and contacted the accounting department to verify the check can be paid to me as well. The account department confirmed it can be paid to me and my business. The fraud specialist stated a note would be sent to back office team and the restriction would be lifted same day within XXXX minutes. I attempted to use my account the next day and the restriction was still on the account. I called Chase fraud department again and they said back office would not remove it because the phone number was not verified in their system. They asked for another verified phone number and I gave them my clients corporate phone number to verify the check and they advised that was not a good number as well. I was advised to go into a branch and show proof that this is my business in order for the restriction to be lifted. On XX/XX/2023 I went into the branch and the branch manager verified my business from Secretary of State and verified my XXXX name that was on the check. I was told to reopen a new business account in order for the restriction to be lifted. I opened the new business account. On XX/XX/2023 I called and was told the restriction still will not be lifted because Chase still has to verify the check with issuer through a verifiable phone number not on google or the client website even after I went into the branch and provided all documentation. I advised these were the only phone numbers my client provided me with and this is my business and that a previous specialist has already verified with accounting. My client advised me that the check cleared their account on XX/XX/2023 which means Chase has been holding my funds for more than 14 days with no explanation and no sense of urgency to release my funds. I have provided all documents and phone numbers and this issue is still not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting for incorrect information to be removed & blocked from my credit report. FCRA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX XXXX. XXXX )
Product: Prepaid card

I purchased ( 4 ) {$500.00} Visa Gift cards from XXXX on XX/XX/XXXX. I have not received the cards as of today, XX/XX/XXXX. I opened an investigation with XXXX/Blackhawk Network and was informed that the cards were registered in someone else 's name and were completely used. 

I received letters in the mail stating that Blackhawk did not find the transactions to be fraudulent and are denying my claim. 

I 've neither received the gift cards I ordered nearly 2 months ago nor have I received a refund to my credit card.
Product: Payday loan, title loan, or personal loan

was denied credit because all my mortgage payments were current / basic being denied for having good credit / but if you look at the wordage in the letter is to confuse the denial letter / when I ask him is a practice to denied XXXX I was quickly transferred to a supervisor and he apologize for the wordage and said he was going to look into the letter and why I was denied / no respond letter as of today /
Product: Credit reporting or other personal consumer reports

There's XXXX credit inquiries on my Experian credit report on XX/XX/year>2024 for XXXX XXXX XXXX. i ONLY APPLIED ONCE NOT XXXX TIMES PLEASE REMOVE XXXX OF THE INQUIRIES IMMEDATIATELY. PER XXXX XXXX XXXX  THEY ONLY PULLED ONCE NOT TWICE. THEY ARE SAYNG EXPERIAN PLACED THE ADDITIONAL INQUIRY IN ERROR. PLEASE REMOVE XXXX OF THE INQUIRY IMMEDIATELY. 
ALSO THERE IS A INQUIRY FROM XXXX XXXX XXXX XXXX ON XX/XX/year>2024. I DID NOT REQUEST FOR CREDIT ON XX/XX/year>2024. IT EVEN SHOWS REASON UNSPECIFIED. PLEASE REMOVE XXXX INQUIRY FOR XX/XX/year>2024.
Product: Debt collection

In the letter attached, there is no original proof of the last payment on this account for XXXX XXXX. Anyone can alter the actual dates on any given note ; including debt collectors, companies, etc.

As the FCRA states and estipulate, I need a re-investigation. First of all, because LVNV Funding LLC, is altering the original dates without actual proof of the contract. According to the note presented by XXXX themselves and/or XXXX. 

CFPB please look at the attached document. I have no use talking to this XXXX company anymore. According to the FCRA : Account information disputed by consumer meets FCRA requirements, explained on my credit report. 

LVNV is not following the law of the state incurred, there are many discrepancies on the dates without proof and the court dismissed the case. 

I will process a lawsuit against LVNV for damages, and misinformation of character, my lawyer will get in deep with this collection company soon if there is no resolution. I am completely tired of dealing with them, without no agreement. Last time I am requesting this LVNV remove the XXXX  XXXX account from my credit report.
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. 

Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XX/XX/XXXX 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

Im writing due to non-compliance with the CRA, Experian. 

They have failed to remove information that was affiliated with personal Information that was challenged in the past. 

I strongly believe that they are in violation with the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX on XX/XX/XXXX account number XXXX and a credit card account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Hello : My wife and myself started the process to buy a house. Our realtor was able to find the proper house for us. 
We submitted all the documents to the following company : K & G Capital Mortage. K & G Capital mortgage is a division of Houstonian Mortgage Group Inc. 
They offered to us a financial option using FHA system since the very beginning as the best option for us. 
As we are part of a relocation program ( XXXX ) when we started to provide all the documentation needed at the beginning, we notice that they were asking for XXXX card ( XXXX ) to which we explained and asked multiple times, to the FHA officer, XXXX XXXX ( Branch Manager ) about our XXXX necessary documentation. We explained that we did not have the XXXX card but that instead, we had a valid XXXX sponsored by XXXX XXXX and which is valid to XXXX in the United States ( while our permanent residence is being processed ). 
He did a quick check for the requirements and he said we had everything needed for the FHA loan. 
We started this process around XXXX month ago, and it has been an emotional roller coster, apparently they di n't check correctly and due to our " migratory conditions '' we never were able to obtain a FHA loan, which forced us to get a regular loan, with unexpected expenses, that added to the monthly payments and closing\down payment. 
Even worse, as we have a contract to close on XXXX XXXX, and the process has been so delayed due their lack of communication and commitment and poor response, we are about to loose the house, given the fact that the seller is in no obligation to accept the amendment for an extension while the process a regular loan. 
This is not our fault, as we already provided to them everything needed and on time ( sometimes working late at night ). 
Aside of that, my wife has had a very hard time, getting fair and respectful customer service. There was never a commitment with the customer, as they never even took the time to really check the necessary documentation ( once he said that we came from XXXX, when we actually came from XXXX XXXX ). They never explained with details all the process and must of the times, were very unresponsive to my wife when she asked for details on each item charged, while she was trying to understand the options ( by the way never meet the budget we asked for ). 
We believe that we have been put through unnecessary emotional stress and has affected directly the process of buying the house while we had been compliant with absolutely everything we had been asked for to provide. 
As a FYI, our XXXX in the United States allows an individual to buy a house. It would have been helpful to know our real options from the very beginning and not just a few days prior to closing. More emotional damage was caused due the fact that looks like we are going to loose all the time invested, effort, money required ( inspections, etc ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax refuse to remove these fraudulent accounts off my credit report. I am a victim of Identity theft and I filed a Police Report in the area it happened in!!
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my frustration and disappointment with the numerous attempts made to remove fraudulent items from my account. 

Despite multiple attempts and assurances from your representatives, the fraudulent items have not been adequately addressed. Each attempt to rectify this issue has been met with delays, conflicting information, and ultimately, no resolution. This prolonged and ineffective process has not only caused significant inconvenience but has also eroded my trust in your company 's ability to safeguard its customers against fraudulent activity. 

As a loyal customer, I expected a more efficient and proactive response from your company in addressing this matter. The repeated failure to promptly remove the fraudulent items from my account has not only compromised my financial security but has also caused unnecessary stress and frustration. 

I urge you to take immediate action to rectify this situation. I request that you expedite the process of removing the fraudulent items from my account without further delay. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future. 

Furthermore, I believe it is reasonable to request compensation for the inconvenience and distress caused by this oversight. I trust that you will handle this matter with the urgency and seriousness it deserves and provide me with a satisfactory resolution promptly. With this, I am asking for your assistance to remove these fraud items in my credit file : MO CHLD SPRT XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX MO CHLD SPRT XXXX Balance Owed : {$2100.00} XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$2900.00} JXXXX XXXX Balance Owed : {$600.00} XXXX XX/XX/2023 XXXX XX/XX/2XXXX XXXX XXXXXXXX XX/XX/2023.
Product: Checking or savings account

I opened a checking account with Santander Bank in XX/XX/XXXX. Bonus of {$220.00} would be paid after requirements are met. I RECEIVED {$170.00} Bonus on XX/XX/XXXX. I called them and they said they would sort it. This did not happen. 

Also on the XXXX XX/XX/XXXX me and my friend who refereed me to Santander should receive {$50.00} each per there bonus offer. This will need addressing if we have not received it by then.
Product: Credit reporting, credit repair services, or other personal consumer reports

This should go to transunion, XXXX XXXX, and all third party credit reporting agencys.! 5u.s code consumer laws and protection. These agencys failed to protect me by a couple of ways, the first receiving my info from a creditor and posting it at face value without an investigation isnt protecting me. And selling my info without my consent to third party persons and they reporting it to there list of buyers without my consent is a federal violation of my rights and my protection 15u.s code 6802 and these violations is on every account held by Transunion, XXXX, XXXX they hae a responsibility to protect our info but it must be done by the law and allowing these violations to continue is causing & costing me thousands of dollar every year. Here are two examples XXXXXXXX XXXX card And XXXX card both know the statue has ran out, XXXX told me straight out they would never remove my account i found that to be threatening and harassment XXXX is doing under cover, just these to alone would change my situation in a poisitive way they have failed to protect my privacy and rights but the three havent removed it, i talked to XXXX today been given the run arrounds. XXXXXXXX XXXX  ACCT # XXXX XXXXXXXX XXXX  ACCT # XXXX and when i contacted XXXX they showed no concern about what they are doing purposely destroying my life.Theres a {$2500.00} fine but no less then {$1000.00} for each violation to be paid to the consumer upon there requesting it as i am now and will send a invoice Not one of my account was reported properly and has gone undetected for years. name all three in this report because they all will receive the same msg one more thing old address that companys are sending are still reporting on as if they were mine and i live there some of the address on my report i dont remember having. I have lived at this address for almost 12yrs and it should be the only one remaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to rent an apartment. This company is making it difficulty. 
They said I owe money because I was in a natural disaster. 
That is not true. They said it happened in 2018. 
The company is called Transworld System Inc. 
I did XXXX search on them and they have tried to scam many people
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX XXXXXXXX Balance : {$6000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On my Credit Report for XXXX XXXX it states I have a balance in collections with ( IQ data international for {$4700.00} ). Ive called disputed and ask XXXX to remove the debt from my report or to show proof that I have debt with this company. I explained to transunion that this company ( IQ data international ) is not shown on my XXXX report, or my XXXX Report, and asked that it be removed from my transunion report immediately. I also asked them could the company verify the debt or show proof of the debt. XXXX told me the company did not show proof of the debt, and the company did not send any supporting documents. But yet they still have not removed it off of my credit report.
Product: Credit reporting or other personal consumer reports

I have tried to rectify this with EMLVP LLC/XXXX  as well as the credit bureaus XXXXumerous times and all companies have completely ignored my complaints. 
I have a charge off on my credit report : EMVLP LLC/XXXX - XXXX claiming {$11000.00} dollars owed when the car was turned in back at the start of COVID. The reason was the car continued to have problems where I was having to take it back to get fixed. Eventually, within 1 year of purchasing the car, the engine seized up and EMVLP took the car. I have tried contacting them several times as well as the XXXX XXXX in XXXX XXXX which was where the car was purchased in reference to this. After reading up on Repo laws, and debt collection laws here in California, what I found out is they resell the car and are supposed to apply the resale amount to your original loan, dropping the balance on the file. I have disputed this information several times with the Credit Bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The Credit Bureaus investigated with EMVLP with my inquisition of the wrong dollar amount and they came back that the information was accurate. From further reading the FCRA, if an item is deemed inaccurate/non verifiable it must be removed from the Credit Bureaus within 30 days. 
I am concerned that the bureaus did not even investigate the information, same with EMVLP not crediting the proper amount to the loan.
Product: Credit reporting

i have sent XXXX certified letters to equifax asking them to verify and valadate the tax lien thats on my credit file. after they said they verified it i asked for a judgement or any proof. they havent sent me any proof neither have XXXX XXXX courthouse which i sent XXXX certified letters to. After speaking with the bureau letting them know i have never recieved anything from the irs stating that i owe this state debt and no one has sent me any verification it is only fair they remove it. they told me to go talk to someone at the court house. i explained i spoke with several people their and continue to get the run around. they told me the debt was paid and it will update on my file. i told them i didnt pay it and its not mine.