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

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

i received a statement from aidvanatge today saying i owe XXXX $ payment. i dont understand what is going on
Product: Credit card or prepaid card

Called XXXX XXXXXXXX XXXX bank and informed them i have not received my paper statement in the mail to make a payment. All the years I had this CC I have always mailed in a MO. When I called the XXXX the automated message stated my bill was like {$2400.00} and It should not have been that much. Long story short spoke to a fraud rep someone was using my CC and the lady stated she was going to put in a dispute and take 90days and will mail me a new CC and will have no late fees and and changed my email and phone number back to the original one I had when I opened. 
I was sent a new CC and try to register the new CC on line and it stated wrong email address and I have still not received my paper statements to make a payment. 
I have called the CC people on XXXX got hung up on several times I have called at least 10 times and all the reps have not helped me. When I do get a live rep I give them all my info and they still can not assist me, they stating that my email address and phone number are wrong again and I thought I had cleared this all up last month when I talked to the Fraud dept.. I guess not. I need some assistance on this ASAP, I am not getting no help at all or even a call back since I have got disconnected so many times. Customer service is rude and not helpful at all, if they do this to me just image all the other customers they do that too. All I want is to receive my paper statements and all my contact info to be correct since someone stole my Identity and used my CC. I am on the phone now XXXX and someone is stll using my CC nothing was ever changed like I was told it was. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw these accounts being reported improperly. As a result, I've suffered financial harm and was denied a home loan. This has been so stressful. 

The accounts are : 1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX These accounts are in violation of 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
Product: Credit reporting or other personal consumer reports

I am writing to request a correction to my personal information on file with your bureau. After reviewing my credit report, I have noticed inaccuracies in my name and address that need to be updated to reflect the correct information. 
Please update my personal details to the following : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX I have enclosed copies of the necessary documentation to verify my identity and address. These documents include : XXXX. A copy of a recent utility bill or bank statement showing my correct address. 
I kindly request that you investigate and update my records promptly. Please send me confirmation once these corrections have been made. If you need additional information or have questions, you XXXX contact me at ( XXXX ) XXXX or XXXX. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

I had midland funding report a debt in my credit report. I contact and made a police report since this information was not mine. Credit bureau took the information off but midland funding has sent me to court to get payment for this account. These accounts are not mine and they are at a address that is not mine. I am not sure what address was used since this is not my address. The last name on the card is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : XX/XX/XXXX Account number XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXX Account number XXXX XXXX XXXX XXXX : XX/XX/XXXX Account number XXXX. 

XXXX of XXXX : Date, XX/XX/XXXX Account number XXXX XX/XX/XXXX Account number XXXX XX/XX/XXXX Account number XXXX XX/XX/XXXX XX/XX/XXXX. 

XXXX XXXX XXXX XX/XX/XXXX Account Number XXXX. 

XXXX XXXX XXXX XX/XX/XXXX Account XXXX XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Account XXXX XXXX. 

XXXX XXXXXX/XX/XXXX Account number XXXX. 

XXXX XXXX XX/XX/XXXX Account number XXXX. 

XXXX XXXX XX/XX/XXXX Account number XXXX. 

Inquiries made on XXXX by XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. 

Inquiries made on my XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX. 

These inquiry and accounts are fraudulent and are unauthorized. These accounts and inquiries are being reported fraudulently on my consumer credit report companies Experian, XXXX, and XXXX. And I am requesting and immediate Removal/Deletion from my Consumer Credit Reporting accounts . And i issued a cancellation and recessions that have yet been responded not to and I am also requesting a full refund for all accounts that took payments from my personal accounts. A full refund is requested immediately from all companies due to unauthorized transactions on accounts and fraudulent transactions that resulted in return payments and payment adjustments and closing of the accounts without my knowledge or consent. Companies fail to meet agreement terms and fail to protect my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Equifax to remove the security freeze on my account 4 times and after sending them the required information, they fail to initiate the removal and ignore my written requests.
Product: Debt collection

I previously filed a CFPB complaint against this company ( complaint XXXX ). They responded and the case was closed without my response. 

The information provided by this company is not accurate. I was not provided any accurate proof of debt. I saw no signature and much of the provided information was not valid. This debt does not belong to me.
Product: Checking or savings account

This Marcus Goldman Sachs bank ripped me off for a {$100.00} advertised bonus to open and deposit money with them. I have all the copies of the website screenshots. I followed all the requirements. They refused to pay. I read their deposit agreement which states on page 21-22. I have the right to arbitration to dispute it which they agree to pay for. It can be read at this link : https : //www.marcus.com/content/dam/marcus/us/en/pdfs/Marcus_Deposit_Account_Agreement.pdf I demanded it in a written letter on XX/XX/2022. I called last week XX/XX/2022 to inquire when they are going to provide it. The rep said they would call me back. They of course did not. I called today XX/XX/2022 and they wasted my time on hold for XXXX minutes. I demanded to speak with a supervisor and after more holding the so called supervisor named XXXX refused to give me arbitration and didn't even know what is in their own customer agreement. This is breach of contract a clear violation. This Marcus is a disgrace! You don't have to just take my word for it. Just look at XXXX review website : https : //www.depositaccounts.com/banks/reviews/marcus-goldman-sachs.html There are over XXXX complaints. This so called bank should not be allowed to continue harming consumers!
Product: Checking or savings account

I have done business with Chase for nearly XXXX decades with no issues until now. As of XX/XX/XXXX ( to my knowledge ), my primary checking account with them has been frozen, and I can not pay my Chase credit cards, other bills, or utilities or withdraw any of my own funds. Chase still needs to provide me with an answer as to why, will not explain the situation, and will not provide me with a timeline. My funds are essentially being held XXXX with my most recent paycheck, unfortunately being a part of this situation. I was not alerted to this freeze via a push notification, a text, an email, a secure message, or contacted in any way until I noticed a failure to transfer funds or errors in my Chase app. An in-person visit to my local Chase bank was mandated and made no difference other than the representative allowing me to pay my Chase credit card through his workstation. Again, I can not pay my Chase credit card statements now. This freeze has also resulted in my new money market account with XXXX bank failing to transfer scheduled funds and has resulted in a service suspension with my new account. This is affecting my reputation as a new customer and is placing immense strain on all my finances.
Product: Consumer Loan

I returned the car at the end of my lease. A charger that came along with the car was returned later to the nearest dealership. Toyota wants to charge me a ridiculous {$950.00} for forgetting to return the charger. They did n't even call me about the charger. As soon as I noticed it lying in my garage, I went to the nearest Toyota dealership to return.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : 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 or other personal consumer reports

I received my credit report for the new year I have addresses and jobs that I have never been affiliated with on my report my only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  They are reporting a Bankruptcy and when I contacted tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they informed me they never share this information. So, when I disputed the information the XXXX bureaus said I needed to reach out to XXXX who reported it to them I then asked for written consent as to why is this information being shared.
Product: Debt collection

XXXX XXXX XXXX will be obligations to Debt collector. I need to file, the Statutes Of Limitation for a debt has been place on me, to, Fair Debt Collection Act. the third- party companies that collect debt on behalf of other business. are infamous for some of their underhanded tactic. used to collect debts from consumers.and Fair Debt Collection Practices Act knowing my right with debt even keep me from paying debt for which you have no legal obligation FDCPA applies to third- party collection agencies not the original company they created the account.
Product: Credit reporting or other personal consumer reports

Consumer Name : 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX with a balance of {$1000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX 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 XXXX  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: Credit reporting or other personal consumer reports

Here is a revised version of your dispute letter, incorporating the details from your credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Inaccurate and Fraudulent Account Reporting under FCRA and TILA Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Numbers : XXXX ( Installment ), XXXX  ( Revolving ) Balance : {$0.00} ( Installment ), {$1900.00} ( Revolving ) Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of XXXX accounts listed under my credit profile from XXXX XXXX XXXX XXXX XXXX These accounts XXXX Installment and XXXX Revolving are falsely associated with me, and I have no connection to XXXX XXXX XXXX XXXX or any of their products. The details presented in my credit report are inaccurate and fraudulent. 

Account Details : Installment Account Closed Date : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( TransUnion ) Open Date : XX/XX/XXXX Payment Status : Paid account/was 30 days past due ( XXXX ) Worst Delinquency : 30 days past due Balance : {$0.00} Revolving Account Last Updated : XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( TransUnion ) XXXX Status : Paid or paying as agreed Worst Delinquency : 60 days past due ( TransUnion ) XXXX : {$1900.00} ( TransUnion ) Credit Limit : {$1000.00} ( XXXX ) Legal Basis for Dispute : FCRA Violations- Inaccurate Reporting ( 15 U.S.C. 1681 ) : As per the Fair Credit Reporting Act, credit bureaus are obligated to maintain only accurate and verifiable information on consumer credit reports. Neither of these accounts is mine, and the reporting of these accounts under my name is false and constitutes inaccurate reporting in violation of FCRA.

TILA Violations - Creditor Definition ( 15 U.S.C. 1602 ( i ) ) : Under the Truth in Lending Act, a creditor is defined as an entity that extends consumer credit and to whom a debt is owed. I have no accounts with XXXX XXXX XXXX XXXX, and these reported accounts are therefore fraudulent. The presence of these accounts is a violation of my rights under TILA. 

Actions Requested : Immediate Removal of Accounts : I request that you investigate the accuracy of these accounts with XXXX XXXX XXXX XXXX and remove them from my credit report as they do not belong to me. 

Written Confirmation of Removal : Once the investigation is complete and these accounts are removed from my credit report, I ask that you provide written confirmation that these actions have been taken. 

Under the FCRA, I expect this matter to be resolved within 30 days. Failure to act within this timeframe may result in legal action to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of these inaccurate and fraudulent accounts. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

UPSTART NETW Account Number : XXXX I received information from you attempting to collect the above-listed alleged debt. Please be advised that I dispute the validity of the alleged debt in its entirety for the SECOND TIME. Further, I request VERIFICATION of the alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, INCLUDING credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : You are continuing to report fraudulent accounts on my credit report that do not belong to me, which is a clear infringement upon my privacy rights. As I mentioned before, I have the sole authority to determine what information should be considered private. I insist that my hard inquiries and account information not be shared on my credit report. FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting : The information you continue to report falsely suggests that I applied for multiple inquiries and accounts, when in reality, these were the result of a scammer\ 's actions. This misleading and unverified reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ) and its fairness requirements. FCRA Section 616 - Civil Liability for Willful Noncompliance : Despite my previous dispute, you have failed to verify the accuracy of the credit information you have accepted, thereby demonstrating willful noncompliance. This non-compliance is subject to civil liability of up to {$1000.00} per violation. FCRA Section 605B - Aggravated Identity Theft : Your continued sharing of my personal information with numerous creditors without obtaining my consent is a criminal act of aggravated identity theft. I remind you that this offense carries a penalty of up to 2 years of imprisonment. FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information : You have yet to fulfill your obligation to disclose my right to opt out of sharing my personal information. This omission is deceptive and a direct violation of my consumer rights. FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : Despite my previous dispute, you persist in furnishing inaccurate inquiries and accounts without proper validation, which potentially violates Generally Accepted Accounting Principles ( GAAP ). Reporting such deceptive information is unacceptable Please provide me with the name and address of the persons who allegedly verified the alleged debt along with my written consent in wet signature permitting you to furnish this account on my consumer report as per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I still have not received the correct respond yet. I have asked numerous times for your company to send verifiable proof which is an ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT!! I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigations due to the stress you have cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Mortgage

I closed on a house on XXXX/XXXX/16. Three months after closing, I received a bill from the homeowners association with an itemized fee referred to as " capitalization '' in the amount of {$600.00}. After speaking with representatives with the HOA management company, they advised me this fee should have been paid/taken care of at closing. Since this is a closing cost that was not handled, or disclosed to me I do not feel I should be responsible for the fee as I felt closing costs were already high compared to other lenders and I would have likely borrowed elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureau via phone and XXXX XXXX  since XXXX of 2022 regarding multiple unauthorized inquiries submitted on my personal credit report. 

I have advised that not only did I not authorize the requests, I also informed the credit bureau that I have been a victim of identity theft in the past which proper documentation has been provided to the bureau along with a police report, but I also have been a victim of multiple data breaches which they have been made aware of also via XXXX XXXX, with XXXX being one of those credit reporting agencies who notified me of their own data breach.
Product: Student loan

Re Loans : XXXX XXXX, XXXX XX/XX/2019 XXXX XXXX, Co-signer, Navient Account # XXXX Loan Numbers : XXXX XXXX XXXX XXXX XXXX XXXX Navient has sent negative reports to the major credit reporting agencies stating that we are behind in the above Navient loans. My credit score dropped XXXX points because of their error. I am a co-signer with my son on his school loans. Navient claims my son hasnt made payments since XXXX. These are AUTOMATIC withdrawals. They were withdrawn in XXXX, XXXX, and XXXX, applied to these loans, and suddenly, in XXXX, Navient claims they haven't been made. My son has bank statements from XXXX XXXX showing that Navient received these payments. We are in the process of sending these reports to Navient. 

Apparently these funds have now been applied to the Federal Loans that XXXX has ( those loans without my signature. ) If so, this was done without our authorization or approval. By doing this, the loans I signed for ( all shown above ) have gone UNPAID, causing Navient to send negative reports on my credit. This is unprofessional if not illegal and they should be held accountable for hurting customers in this way. I know these payments were made on the loans I signed for, but Navient says they were not. While this would never happen at Navient, whoever diverted these funds should be held accountable because it ruined my credit as well as my sons. 

Thank you for any help. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello my issue to start off is Im in my XXXX and to use the computer is almost impossible until my niece comes to help me now iv had my capital one since XXXX and am on time with my payments now I understand I had not used it for a good six months but I sent in the supporting documents with non of my info or email changing and got my card unlocked XX/XX/XXXX then they locked it 3 days later and have sent in all supporting identifying documentation Id passport birth certificate taxes ect and about 10 -13 times not late on one payment and they refused to unlock my card or shut my account please all I ask is for one of them I feel I deal on this same topic daily with my capital one Walmart XXXX