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

The following accounts listed on my Innovis Consumer Report is fraudulent and not my accounts : XXXX XXXX Bank  : XXXX, XXXX XXXX Bank XXXX : XXXX and XXXX XXXX XXXX : XXXX, I did not apply for the credit card accounts. I have never had any account with XXXX XXXX Bank, XXXX XXXX Bank XXXX or XXXX XXXX Banks.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act, I XXXX XXXX XXXX the federally protected consumer, am now opting of any and all authorization that XXXX have been given Please see the attached notice ( XXXX ) I have also attached the first notice ( XXXX ) that was sent to each corporation that has been ignored.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/24 and noticed some things are inaccurate and incomplete. According to the fair credit reporting act, 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. This account : ACCOUNT NAME- XXXX XXXX XXXXThis account is not complete and is not accurate. 

XXXX XXXX - XXXX open date is not reporting correctly, date last active, date of last payment is not correct. This account is not accurate. On XX/XX/24 I sent a letter requesting for this account to be re-investigated XXXX XXXX XXXX here is my tracking number XXXX. I got the investigation back but noticed nothing was modified or updated. So, I requested a description of the re-investigation and it was not provided to me which is a violation of 15 USC 1681i7
Product: Debt collection

Sent documents certified via XXXX  to have debt verified, not validated. Debt was me never verified, their final contract was never produced, and fraud was committed when my private intelicual property a d data source was released to a third part without consent or premisson. Identify the rig has taken place seeing how there has never been consent to releases my private information to any third party company and identify theft repost is being filed as well as claim with the attorney general and FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX  has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late and also remove all remarks from account that includes repossession/ redeemed. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. I HAVE ATTEMPTED ON SEVERAL OCCASIONS TO HAVE THE LISTED ITEMS REMOVED DUE TO ID THEFT YET THE CRA 'S REFUSE TO REMOVE THE INACCURATE ITEMS. I HAVE PROVIDED THE NECESSARY DOCUMENTS TO HAVE THE ITEMS REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN ACCOUNT REPORTING ON MY CREDIT REPORT THAT I DISPUTED WITH THE CREDIT BUREAUS BUT I HAVE NOT HEARD ANYTHING FROM THEM AND IT'S BEEN OVER 3 MONTHS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  credit reporting refuses to remove invalid unathorized items from my credit report this issue has been mentioned numerous times still this credit reporting agency and equifax refuse to remove invalid unathorized charges that doesnot belong tome and invalid remove from my credit report?
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 ) ( XXXX ) ( 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 XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I was denied on XXXX XXXX Avant to get a home equity loan. They send me a letter saying due to they couldnt verify my employment. I submitted two years tax returns and had extensive conversations that I dont have a w2 job. My income drives from annuity and investments. They failed to review my docs and discriminated to give me a denial. I want this looked into.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Vehicle loan or lease

Sir or Madam, I am writing to obtain a Loan Release Letter from SYNCHRONY Financial, headquartered in XXXX. Loan has long been paid off, I do not have loan no. but my Social is XXXX, Vehicle in question is a XXXX XXXX motor scooter : VIN. No. XXXX vehicle was purchased from a XXXX dealer in XXXX XXXX. I am registering a complaint against Synchrony Financial, after several attempts to get them to at least acknowledge that they are at least working on my request. I am in urgent need for this lean release letter, ( I understand these things can take some time ) but at least acknowledge my request and confirm that you ( Synchrony ) are working win it. Respectfully, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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 name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, 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: Checking or savings account

Navy federal keeps charging me for transactions never processed. I have paid thousands in overdraft fees. When I file a claim the fees are partially credited and then I am charged extra fees to take back what I was credited. I have tried paying the fees outright to bring my balance back to XXXX and I am then charged fees on top of other fees for no transactions processed. They have been holding a XXXX XXXX payment for over a week, then charged me a fee to take the available funds. Afterwards I am charged a fee for receiving a fee but the transaction still has not processed. Navy federal is charging fees to take what little funds are available. They were sued for this very reason how can they continue to cheat customers?
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I found a fraudulent account on XX/XX/XXXX, for Synchrony Bank Pay Pal Credit. I notified them by phone on XX/XX/XXXX but they wouldn't make a claim because I wouldn't give them my whole Social Security number just the last 4 digits. I emailed them, sent them a hard copy letter demanding they remove the account with verification of my identity, a copy of my FTC.gov identity theft report, and police report number. I mailed the packet via tracked mail priority mail requesting they remove the false report within four days. I sent the same packet and a letter to each credit reporting bureau, and placed a freeze with all three credit bureaus. I started disputes with each credit bureau, and my packets were delivered on XX/XX/XXXX. I received a notice on my XXXX  credit monitoring that XXXX   dropped my credit score by 33 points on XX/XX/XXXX. I provided them with proof of my identity, proof of a fraudulent address used for the fraud account. Allegedly the fraud account was opened in XXXX, a delinquent charge off was made sometime in XXXX of XXXX, but there was never any report of this account by Synchrony until XXXX of XXXX. The account was never on my earlier credit reports. I have credit monitoring and monitor my credit all of the time. I am a XXXX   employee and have to maintain good credit. This could negatively impact my job. Synchrony has not responded at all, and I have two other Synchrony accounts in excellent standing. The credit bureaus are no help, and ignored the driver 's license I sent to verify my identity along with all the other documents I sent. This is a scam against consumers and synchrony as well as the credit bureaus should be held accountable for their actions.
Product: Credit card

So I had an account its CareCredit and Im back of 2020 I had paid the balance to XXXX and ask that it be closed it was not so I have been trying to get them to closed as well as take this off my credit they have sent this account to a lawyers office and trying to recoup the money that was used fraudulent through them. Im asking that this charge come off my account because I did not charge or use the after the request to close the account.
Product: Credit card or prepaid card

I applied for and received XXXX XXXX XXXX XXXX from American Express with a current promotion of XXXX miles if I charged {$2000.00} in the first 3 months. Upon receiving the card, I did not see any mention of the offer, so i called the number on the back of my card, representative from American express informed me that the offer was denied as i had this card in past. I checked my credit report and never had this card, so i opened a case with american express and today when i checked, i was told that when you applied, there was a pop up that said you will not get the bonus miles offer, but i never received any such pop up. this is truly misleading and mischievous. Now they would not let me talk to a supervisor. I saw that promotion on XXXX XXXX  website and decided to apply to get those miles. Now American Express says, they are not willing to do anything for me. case # XXXX that i opened with them is now closed with no resolution. the website never informed me that i will not get the XXXX promotion., otherwise i would have not applied for the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My FICO score is not updating correctly to match XXXX and Equifax data. My XXXX XXXX XXXX XXXX  and my Equifax is XXXX. Because of this, my XXXX isn't even close to correct. 

It is multi-party credit reporting fraud accidentally it would seem, but it's so enduring it's starting to seem targeting and it is really fraudulently damaging my credit rating and ability to receive loans. 

I am prevented of communications at times at it becomes mail fraud and communications fraud it seems. But this is credit reporting obviously of two extremely fraudulent activities targeting my personal identity and ability to receive credit. 

Please also contact XXXX and explain to her this is damaging my credit and ability to receive credit extremely fraudulently and is a war crime in progress and should be covered under my identity theft coverage with XXXX and XXXX and Equifax.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX Account XXXX, Has Violated my rights. XXXX XXXX XXXX bank Account # XXXX, Has Violated my rights. XXXX XXXX XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX XXXX XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX XXXXXXXX XXXX XXXX Account # XXXX, Has Violated my rightsXXXX XXXXXXXX XXXX XXXX Account # XXXX, Has Violated my rights. XXXX XXXX Account # XXXX, Has Violated my rights, XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX has inaccurate data with addresses that I am not associated with, 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 an account without my written instructions 15 U.S. C 168Tc. ( 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

I am the original creditor. See XXXX XXXX XXXX XXXX XXXX. 

United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( permanent character ) - affirmative action. 

XXXX. XXXX XXXX and XXXX XXXX XXXX - XXXX survey blood right heir ( XXXX XXXX XXXX 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( 1 ) the principle amount of such obligation is stated in the obligation and ( 2 ) the term to maturity or the date of maturity of such obligation is stated in the obligation. 

15 USC 1692 congressional declaration of purpose. 

House XXXX XXXX XXXX!!! 

In accordance with the fair credit reporting act The principal debtor is responsible. 

15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.

15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose. 

AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ). 
Remove the fraudulent XXXX claims. 
Thank you.
Product: Credit reporting or other personal consumer reports

I contacted Barclays Bank Delaware on XX/XX/XXXX, at XXXX, I told them that a credit card was made in my name without my knowledge and that would like for it to be removed. The amount of money that was used on the card was {$1400.00}. I also sent a dispute to 2 of the credit bureaus ( XXXX and XXXX ) on XX/XX/XXXX, and XXXX was only one I didn't because they kept hanging up on me. Both those bureaus sent a report back a week later saying that the account belongs to me when I know it doesn't. I sent them another dispute and I'm waiting to hear from them. I don't have a police report yet because I need an FTC report first. I contacted the FTC and all I received was something called an identity theft blocking request.
Product: Credit card or prepaid card

I have been a customer with Chase Bank for about 12 years. 
I have a personal checking a business checking a merchant account a savings account and a brokerage account. All in good standing. 
I have an over all credit score of XXXX across the three big bureaus. 
I have an income of about XXXX dollars I have a number of XXXX XXXX all in good standing. 
I have NEVER missed or been late on a credit card or loan payment. 
I have always kept my Credit Utilization low. 
And yet I have been turned down ( Even though the application said I have and " Outstanding '' chance of getting the card ) I just went to this page today to try again. It is a preapproval application which says there is not hard pull. 
I filled in the requested information and when I clicked on " Submit '' I was told you may have opted out and there are no offers for you.

I called Chases and spent a total of about an hour and a half ( 90 Minutes ) being bounced around from one department to the other and no one... absolutely no one could or would tell me what the problem is. I asked for supervisors and they told me the same thing. 
I asked if they could help me to figure out how I could get a credit card with Chase. 
I told them I have been with Chase for about 12 or more years and yet I could not seem to get a credit card. I told them I tried to Preapprove but was not told that either there were not current offers for me or that I was declined for a particular reason. 
I all but begged them to help me. 
No one would. They could not give me a single reason that I was not offered a card or what went wrong with the Preapproval process. ( See below ) https : //www.chase.com/preapproved I asked them to help me to figure out what I need to do so that I could eventually get approved for a card. A game plan if you will. No one would answer or advise of help me in any way at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not disputing the bankruptcy that is showing on the report, however, it has been almost 10 years, and chapter XXXX should drop off at 10 years. I would like Experian to consider deleting the entry all together so I can build better credit. The 10 year period ends XX/XX/2021 which is only just over 3 months away. The bankruptcy was also filed as a chapter XXXX which should only show 7 years on a credit report. Please review and consider deleting the entry.
Product: Debt collection

I'm currently being sued by XXXX XXXX  through XXXX XXXX XXXX, XXXX in XXXX, XXXX court system. This debt they are trying to collect on is a very old debt from at least 10 years ago. It's past the statute of limitations to try to collect on this debt. I never received a phone call from any collection agency on this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint Cash App ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation EXXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

I would like all the auto inquires removed from all 3 credit reports< of course I didn't know that they shop your info out to other places without you knowing unless you have been through this before at some point in your life. Long story short I have way too many inquires on my file and they are mainly due to other companies handing out my information that I was unaware of t the time. 
The new me cares about my credit score and report and I take it very seriously. This is hurting my score and stopping me from getting access to a lot of things. Please fix this issue or have them fix it. 
Thank You
Product: Credit reporting

I requested a copy of my credit report from all XXXX agencies, as I am in the process of repairing my credit. I am having trouble with XXXX agency which is EquiFax. My first request went out to them on or around XXXX the XXXX, this was with a complete copy of my credit report as well as the items that were in dispute along with any supporting documents that pertained to each account in which I am disputing. I called Equifax on the XXXX of XXXX to see if any of my items were removed and the Agent explained to me that there were XXXX more pending my investigation that needed to be resolved by the XXXX of XXXX and I called today to receive the results and was told that it was on-going and they refused to remove the XXXX items from my account