23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2019, I received an advisory from XXXX  of a change in my credit file. 
Credit score lowered. It was a result of a credit inquiry by American Express into my file and a subsequent issuance of a credit card. 
Additionally I had to pay {$10.00} dollars to a mail service in order to receive the card in a heavy overstuffed envelope with propaganda so that I would be in my possession. 
The AE envelope had a return address of XXXX XXXX XXXX, XXXX, NE XXXX. 
The mailer paper holding the card furthe ID 's the sender as American Express National Bank. 
American Express had " slammed me '' - a term used when a potential service provider inscribes or switches a consumer without permission. 
I had previously received and email which lead me to a site. As I dug deeper I realized that they were pushing a new credit card. Having plenty of credit. I immediately stopped, backed out ( there was an option for such. and exited my browser to avoid proceeding further. 
When a called to handle this immediately, they pretended to transfer me to the fraud department. They hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached. I got this recently from Equifax. I have no clue what they are referring to as they've dealt with my account before. The address is listed in their system therefore there shouldn't be any issues. I'm refusing to submit any additional information to them. I have no idea what this is even in reference to. If they're trying to stall or delay that will only add to the law suit I'm building up to against them. They need to explain why this was sent to me. I think they're trying to stall any efforts of my getting them to fix ANY mistakes they knowingly and willingly created! We all know they work for corporations not consumers, therefore they frequently make mistakes, refuse to correct them, lie about my disputes, extend the dates of last contact to prevent removal of an item in a timely manner and try to give creditors the impression I'm " cleaning '' up my credit. Basically I am but not for the reasons they lie about. They made mistakes and I want them corrected. I am not asking too much but I will if I am forced to go to court. Their choice, they either explain this garbage they sent or do what I asked them to do in the first place - fix the problems.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several hard inquiries on my credit report that I believe are fraudulent. These inquiries do not belong to me, and I did not authorize them. 

XX/XX/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 I believe these inquiries were made as a result of identity theft or fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report. I request that you investigate these inquiries and remove them from my report if they are found to be unauthorized.
Product: Credit card

Truist Bank has beenaproving credit cards for my for my accounts with them and then after a couple months or even a week they close out the cart, and I think this is due to the complaints with the consumer financial protection bureau about my modification for my mortgage that they are penalizing me from having additional accounts like Loan and accounts and credit cards accounts and I think this is a discrimination issue and I have put a formal complaint in with truist, but I want to put another complaint in with the CFPB Because other people other customers need to be aware of what this bank does to minority and people that have money in the bank. I have almost {$300000.00} in the bank and these people are treating me like XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card and I also believe that the co-applicant with me on my account is being treated the same way he just opened up a credit card account with them for {$4500.00} with truist bank and they closed it right back up and then they closed up secure cards as well so that means that youre trying to disassociate your relationship with me as a customer.
Product: Debt collection

I have 2 debts from Portfolio Recovery on all of my credit reports. I have tried through all credit agencies to request corrected information. Unfortunately, these agencies as I understand it, only confirm that the collector SAYS it's my debt. I want the debt confirmed with some documentation because I do not believe its mine or could be accurate. My father added me to accounts he had when he was sick and I was his caretaker. This was so I could shop for what he needed. I can not discern based on any info I see on my report that these are debts I personally had. I believe they may be accounts I was not a co-signer for but was added to the cards as a user only and I believe I would not have responsibility for his debt. 

I do not have any known accounts within the 7 year time frame or with the companies listed. I initially requested dates to be confirmed which I never received any documentation of exactly what day I made any payments for any debt. 

1. Accounts are listed as XXXX XXXX  and XXXX. I have not had accounts through XXXX in over 20 years that I can estimate and not familiar with what XXXX XXXX is. 

2. I was a full-time stay at home care person for my father since early XXXX until he passed away in XXXX. That is how I am aware of dates when I became unable to pay any debts. ( I was unable to work in XXXX ). I had initially asked through credit reporting agencies to verify the information. Any final payments on any accounts I had personally were from before my time not working. I decided to dispute to clear up what the debts were and to get specific dates on any final payments made. 

I have repeatedly seen my credit accounts say ( consumer disputes ) and that's it. I have yet to see any documentation as to what these are and what dates they have assigned it being verified. My credit report states dates of XXXX which is not possible. 

I never even applied for credit anywhere after my father became ill because I was not working and my credit had already declined.
Product: Money transfer, virtual currency, or money service

TD Bank is blocking access to financial data, concerning, third party applications. such as coinbase. crypto currency.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, which has resulted in unauthorized accounts and inquiries being reported under my name. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft removed from my credit report.

Please find below the details of the fraudulent accounts that require immediate removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This is a very old debt from 2014 it says on the email they sent.. Ive dispute of my credit report from I believe the XXXX XXXX company years ago. The original company was XXXX and I think the phone line was suppose to be purchased from another company and it didn't go through. And somehow TrueAccord Corp now has it. And because I've disputed this once with the other company I'm contacting you all ; before this goes any further, and somehow ends up back on my credit report. Im unsure of how they even got my email address. And they still have the address listed from when I switched lines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed inaccurate, Incomplete and fraudulent accounts/inquiries related to my credit report. 
Accounts are to meet all FCRA standards meaning all information is true, complete and accurate. The bureaus stated these accounts were updated and meet FCRA standards!!! They are not which is a VIOLATION OF MY RIGHTS. 

After receiving updated credit information per FCRA guidelines there are inconsistincies and inaccurate information amongst all three bureaus WHICH ARE A VIOLATION OF MY RIGHTS UNDER 15 U.S.C 1681 and go against the Fair Credit Reporting Act. 


The Credit bureaus stated Account Name XXXX XXXX & Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate, the date LAST ACTIVE is inaccurate, and date last PAYMENT is not accurate. This is ground for removal. 


The Credit bureaus stated Account Name XXXX XXXX XXXX Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate, the HIGH CREDIT & CREDIT LIMIT are inaccurate and inconsistent the DATE LAST ACTIVE is inaccurate, and DATE LAST PAYMENT is not accurate. This is ground for removal. 

The Credit bureaus stated Account Name XXXX & Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate, number of months/terms is inaccurate the PAYMENT STATUS is inaccurate, and DATE LAST REPORTED is not accurate.DATE LAST ACTIVE is inaccurate also. This is grounds for removal. 


The Credit bureaus stated Account Name XXXX & Account # XXXX was properly investigation but how is that possible if the OPEN DATE is inaccurate.DATE LAST ACTIVE is inaccurate as well as DATE OF LAST PAYMENT. This is grounds for removal. 


ATTACHED ARE SUPPORTING DOCUMENTS FROM THE BUREAUS WITH THE VIOLATIONS. 
A COPY OF COMPLAINT IS BEING FORWARDED TO THE ATTORNEY GENERAL AS WELL AS THE FEDERAL TRADE COMMISSION. 


They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.I haven't given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Experian reported an account after my credit score went up to XXXX it dropped to a XXXX after a fraudulent report from XXXX recovery system for a {$1000.00} debt that I have no clue where it came from. It's a fraudulent report I've disputed in which I've still have yet to hear anything back nor my credit score restored back to XXXX. I've worked hard to clean my report due to many false reportings, please look into this matter I do believe Experian is falsely reporting debts that doesn't belong to me.
Product: Credit reporting or other personal consumer reports

Truist is furnishing inaccurate information on my credit report. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my way of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting has damaged my personal my life. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 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. 

Experian verified an inaccurate account. How do you verify a charge off account? 

As defined by the IRS even if you dont receive a form 1099-C, you must report that as gross income on your tax return The IRS clearly defines a charge off as gross or ordinary income, income does not get reported on the consumer report!

You are hearby put on notice that you are furnishing incorrect inaccurate information.

15 U.S. Code 1681i - Procedure in case of disputed accuracy 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Vehicle loan or lease

On XX/XX/XXXX, I called Chase bank to change a payment date from XX/XX/XXXX to XX/XX/XXXX. The bank rep explained this call was being recorded. I explained my payment needed to be changed to XX/XX/XXXX. The bank rep changed the date as requested, repeated the transaction to me for confirmation and I agreed with him to complete the transaction. On XX/XX/XXXX, I  receive a notice from my bank of an overdraft fee {$35.00} for a payment of {$450.00} for my car payment. I contact Chase Bank to explain the NSF fee due to a payment that was not authorized. Chase Bank explained they needed to review the call with a supervisor to refund the NSF {$35.00} fee. After an hour I was still on the phone waiting for them to process my " approved '' refund by this supervisor. The bank rep explained I could end the call due to the time it took, call back the next day for confirmation of the refund. The next day I call back and the bank rep explained I need to prove to them that an error had occurred. I couldn't believe my ears. The bank rep said that even though there was an error by Chase, they needed to confirm I was charged a fee from my bank. I asked them why would they not have explained that during the first call, especially since we were on the phone for more than an hour. The bank rep said to process my claim I had to prove they made an error and that my bank charged a fee. I explained to them that by the time I finish this claim, it may have cost me approximately {$100.00} in time and frustration. I asked to speak to a manager during the last call. The manager explained she was sorry for my inconvenience, however, she would have to receive proof that I had a payment process incorrectly and then prove there was a fee assessed as a result. I explained to her my next move would be to write the CFPB if they could not make the necessary corrections and take care of this complaint as a first call resolution. She kindly said thank you and disconnected the call. I did not plan to spend this much time and effort on this complaint. I have to say that I feel like I've experienced both insult and injury on this one. Chase bank makes an unauthorized payment on my account, then tells me that the mistake was made by them. Then Chase bank tells me I have to prove they made a mistake and prove I was assessed fees by my bank after listening to at least 3 different bank reps, and supervisors tell me that the error was with Chase bank. Finally, I was disconnected by a supervisor who could have cared less that I just went through " XXXX '' and back with Chase on a simple bank error. I know Chase is a very large financial institution, and I should have known not to upset the giant bank. It's the principal of the matter. I'm a customer, infact, I'm a new customer. My next complaint is that the interest rate is too high. I should not have such a high interest rate. Please look in to these matters and take appropriate action. It's still America and the customer should have a more positive experience than this one. Even the small customers.
Product: Credit reporting

I HAD A JUDGMENT ON MY CREIT REPORT I HAVE PROOF IT HAD CAME OFF MY CREDIT REPORT AND SOME OW IT CAME BACK ON AFTER IT WAS TAKING OFF
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX ( XXXX XXXX XXXX ) # XXXX, Account name : 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 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 or other personal consumer reports

On XX/XX/XXXX, I requested a copy of my Early Warning Services consumer report. After reviewing the report is has come to my attention that Early Warning Services , LLC, XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX are unlawfully selling and disclosing. 
no public personal information without my awareness or consent. My social security number, account numbers, banking history, and transaction history are being sold and disclosed with non affiliated third parties. This is a violation of the Privacy Act of 1974 which is punishable up to {$5000.00} per offense. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of that individual. According to 15 US Code 6801 each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXXnformation.15 US Code 6802 ( b ) states a financial institution may not disclose nonpublic personal information to a non affiliated third party, unless the institution clearly and conspicuously discloses to the consumer, in writing or in electronic form, or other form permitted by 15 US Code 6804, the consumer is given an opportunity before the time the information is initially disclosed to direct that such information not be disclosed, and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 US Code 6803 makes it mandatory that each financial institution provide a clear and conspicuous disclosure to such consumer in writing or electronic form. 15 US Code 6805 names the Consumer Financial Protection Bureau as the enforcer of the above referenced codes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX Yes Auto Unlawfully obtained my consumer report without my authorization or a permissible purpose. I have not initiated any transactions with XXXXYes Auto nor do I have a an account under collection or review with XXXXYes Auto .

On XX/XX/XXXX I sent XXXXYes Auto a Notarized Letter Certified Explaining the Unauthorized Inquiry as well as a demand for a {$1000.00} settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a lot of trouble with the credit reports because the fact there is things on my report that should not be there. 1st is XXXX credit card i paid this than it was taken off. Aprox. a year & few months later it's put back on. After my house was broken into and set on fire. I lost everything not once but XXXX separate times has my house be set on fire.. I understand its not your fault but I'm telling you this because I have nothing. I did not get a new XXXX credit card. 2nd is a XXXX XXXX they want me to pay for something that I did not authorize and disputed right when I noticed it on my account. It took the money I had in the bank & over drafted my account. 3rd. There are some other things that I didn't do. I was one of the people who info got stole when XXXX  had a data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize any of the hard inquiries on my credit report and have never heard of those type of places and I've never applied to any of them and not sure what or who they are. I feel some has used my identity in the year XX/XX/XXXXand XX/XX/XXXXbecause I did report identity theft back in XX/XX/XXXX. IRS called me back in XX/XX/XXXX to notify me someone was indeed using my information and for me to make a police report in which i did. The problem I have is why are these hard inquiries still their if its due to identity of my information being used without my consent or me even being aware of this. Please help me get rid of these unknown inquiries that don't imply to me and never have. Thanks