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

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. these accounts need verification and their late payments updated. 

Here are the aforementioned accounts : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00}
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and the last four of my ssn is XXXX. My date of birth is XX/XX/XXXX This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that XXXX, Equifax and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card and student loans. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 # XXXX 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: Checking or savings account

At the end of XX/XX/2022, I opened an account with XXXX Bank and deposited a {$2500.00} check I had received from the United States Department of Education as a refund on a defaulted student loan, on account of the closing of XXXX XXXX The check was accepted but after XXXX week and before I could even receive my bank card, the account was frozen and my money denied to me on the grounds of supposed fraud. When I called to dispute the freezing of my account, I was asked by a member of the customer service team who were clearly not from the US over and over again as to " the name of the person who sent me the check. '' After explaining each time that it came from the United States Department of Education, they still refused to acknowledge my information. 

I later attempted to seek assistance from the banker who assisted me with opening the account and they told her that the issue was with my address on the account not matching the check. They later withdrew the money from my account and closed the account. I then called their support again and they claimed that the amount on the check was suspicious and thus why the account was close. But due to the account not having any money in it, then they could not give me any money back. 

I proceeded to seek further support from outside help and was advised to try their support line again and was told to provide information as proof of evidence that I was who I said I was. I called back the collections company who held my defaulted account, and they provided me with a copy of their letter indicating that I would be receiving a refund from the United States Department of Education on my student loan. This packet included my old address as well as my new address, and information that I was to receive the refund. XXXX rejected the evidence claiming that it did not show that I was entitled to the money. They are insisting that I provide account information from the United States Department of Education 's accounts in written form as the only proof of entitlement they will accept. That information I can not receive.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please Remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX Balance : {$760.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$440.00} XXXX ASST XXXX Balance : {$620.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I have been a member of Citibank since XXXX. Today, I received an email saying that my account was closed. In my 22 years with Citibank, I have never been late, and never not paid my statement in full. Perhaps one or two times, did I have a service charge for cash advance fees. Essentially, I was a model credit card holder for the company. Then, today, XX/XX/XXXX, I received an email that my credit card was closed. I thought it was a mistake as I have had no problems with Citibank. I called and they said I had not used my card since XX/XX/XXXX and they closed it on XX/XX/XXXX. I did not have any warning and never was informed that I had to use my card during the Pandemic or during tough financial times in order to keep my account open. When I called to try to get my card reopen because it is the oldest card on my account, and would have a negative result on my credit report, they would not do so. They were unapologetic and did not care at all that I had been a member for so long. And the representative " XXXX '' said that they have a right to cancel my account at anytime and for no reason.
Product: Checking or savings account

Received an email stating I opened a savings account ( Ally Bank ) that I did not open. Received an email shortly after stating that I changed the email address on the account and the email listed is not my email. I called the bank listed on the email and they submitted a fraud case.
Product: Credit reporting or other personal consumer reports

I have identified information on my consumer report that are result of identity theft, these items are not related to any transaction completed by me the consumer. 

Pursuant to 15 U.S.C. 1581b Any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 
( 2 ) In accordance with the written instruction of the consumer to whom it relates. with that being stated if they can not produce a written affidavit signed by me with a wet signature all the following should be removed from my consumer report. 

InquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My vehicle was involved in a MVA on XX/XX/XXXX. My insurer determined the vehicle as a total loss and paid the lender, SunTrust, with my gap insurer to pick up the remaining amount. I made the XX/XX/XXXX payment within the ten day grace period ( although the title was already signed over to the insurer, payment had not yet been made to the lender ). On XX/XX/XXXX, SunTrust received the payoff from my insurance carrier for {$27000.00}. That same day SunTrust also received a reimbursement from the dealership for a pro-rated protection plan reimbursement in the amount of {$600.00}. On XX/XX/XXXX they charged me a {$29.00} late charge for not making the {$580.00} monthly payment in XX/XX/XXXX even though they already received {$28000.00} in XX/XX/XXXX. My payment on my original loan has a due date of the XX/XX/XXXX of every month ( 10 day grace period ), and as of XX/XX/XXXX I had already received two collection calls for the {$580.00} even though the remaining amount on the loan was {$5800.00} ... .. My gap insurance has sent payment to cover said amount however, it was delayed because SunTrust would not provide the requested information. Finally, they sent the requested information to me instead of the gap insurer and I in turn had to forward it to the gap insurer - all of which bought time ... Their delay tactics, illegal late charge ( they have since credited ), and illegal collection calls on an account that was current is unacceptable.The loan is now paid off however, SunTrust still is not admitting that I should not have been sent to collections ...
Product: Checking or savings account

On XXXX, XX/XX/year>, I began receiving notifications from my banking account with Chime regarding transactions on my account. All of these transactions were occurring while I was at work. I called Chime and spoke with a representative about the charges made to my account without my permission. I was instructed to reset my password, which I did. I was asked various questions regarding my account, which indicated that I had not given out my information and that my account had been hacked because all the charges originated in Florida. I informed Chime that I did not reside in Florida, nor did anyone have my card because it was in my wallet. I was told that an XXXX device had been added to my account, and Chime informed me that I only possessed an XXXX  phone. Because the transactions were still pending, Chime said they could not cancel them, and I would have to wait to see if they cleared and then call back. I contacted XXXX about filing a dispute on the Charges cleared on Saturday. I uploaded the emails showing that my account was logged on an XXXX device in XXXX XXXX, Florida. Somewhere between that Saturday, XX/XX/year>, and XX/XX/year>, they told me they found no error and would not refund my money. The email stated I could request all the information used in their investigation, which I did. It also stated that, as applicable, they would coordinate with other financial institutions, Merchants, and the claim networks as part of the review ; however, when I received the documents used in their investigation, none of their entities were contacted. I contacted Chime again and was told they would reopen my case if I filed a police report, which I did. I filed a report on Now. XXXX. I spoke with a representative and uploaded it to Chime on XXXX XXXX. I spoke with a representative on the XXXX who stated I would receive a temporary credit. However, my dispute was returned, stating there was no error. I again contacted Chime on the XXXX. Again, I explained the situation and sought other means to prove that I did not make these charges. The representative asked for verification of my location, a copy of my work clock-in time to indicate I was in XXXX, XXXX XXXX when the charges occurred, and the address of my place of employment. I even included a screenshot of my picture on my job website. To no avail, Chime still declined my dispute, on XX/XX/XXXX stating they found no error.
Product: Credit reporting or other personal consumer reports

My card was used to rent a car in the XXXX, I was in XXXX at the time. i dispute the transaction but the wrong amount was entered. i went back and forth with Cap one and no one ever said i need to file a police report. which i did in XXXX all fees are associated with that charged. i didn't pay the bill because i didn't cause the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXccounts : XXXX XXXX XXXX XXXX  | Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX| Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX XXXX XXXX | Account : XXXX, have 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
Product: Debt collection

last XX/XX/XXXX a collections company called and said they were a collection company trying to settle a debt for a kays jewlers credit card that my husband had. ( I cant remember the name of the company. ) So I set up a payment arrangement with them to pay the bill. I started paying on XX/XX/XXXX for XXXX a month plus a XXXX card fee. I paid XXXX for the months of XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. The last payment was XX/XX/XXXX, for a total of XXXX. The company told me it would be under XXXX XXXX when I received my bank statement every month. I didn't think anything about it at the time, they told me it was a sub company that collected the money for them. they also told me that when it was paid it would come off my husbands collections. So when it was paid I thought everything was fine. But come to find out it never got reported as being paid and never came off. In XX/XX/XXXX another collections company called to talk to my husband about a collection matter to do with XXXX XXXX. they called a couple times and finally I told them I was his wife and they told me exactly why they were calling. to collect a debt for a XXXX XXXX credit card account. this time though they told me he had started paying for it back in XX/XX/XXXX and then stopped, which was true. I told them I had already paid that debt off last year to a collections company, but it didn't matter, they told me it was not them I had paid and they had the account, so it was still owed. so I asked them what to do then because I had already paid over XXXX for this debt.. so they looked into because i told them the companies name and they told me the cfpb had closed them down because they were a fraudulent company. I tried calling XXXX XXXX getting no answer. so I called XXXX main office and they told me they only deal with national credit adjusters and told me a few questions to ask them to make sure it was the right company that only they would know the answer to. so I did and they did so now im paying the right company. So XXXX XXXX is a fraudulent company that pretended to be an actual collection company and took XXXX from my husband and I, for a collection account they didn't have.
Product: Debt collection

I am filing this complaint regarding the continuous harassment and unauthorized collection attempts by Apelles , LLC in connection with a business matter they claim to have with XXXX XXXX XXXX XXXX. Despite my repeated requests for them to stop contacting me, they have continued to reach out on multiple occasions, demanding sensitive personal information. 

Dates of Contact I was contacted on the following dates : 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 Details of the Harassment Each time Apelles , LLC contacted me, they : Requested that I confirm my Social Security number, date of birth, and addressdespite me never having done business with them. 
Failed to provide written validation of any debt that they claim is associated with XXXX XXXX XXXX XXXX. 
Refused to explain how they obtained my personal information when I directly asked them. Instead, they directed me to contact XXXX XXXX XXXX XXXX, claiming that is where they got my details. 
Ignored my requests to cease communication and continued contacting me repeatedly, which has caused stress and inconvenience. 
Possible Violations Committed by Apelles , LLC I believe Apelles , LLC has violated the following consumer protection laws : Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692d ( Harassment or Abuse ) They have repeatedly contacted me despite my objections.

15 U.S.C. 1692e ( False or Misleading Representations ) They failed to properly verify the alleged debt and did not provide any validation in writing.

15 U.S.C. 1692c ( c ) ( Cease Communication Request ) They continued to call after I told them to stop.

Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b ( Unauthorized Access to Personal Information ) Apelles , LLC may have accessed or used my private data ( Social Security number, date of birth, address ) without my authorization.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX D.O.B. XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to dispute the information that appears on my credit report, which was recently obtained from your agency. This erroneous information is negatively affecting my creditworthiness and financial well-being. I assert that the reporting of this information may be in violation of several federal laws and statutes. I request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to rectify the inaccuracies on my credit report.

I have identified the following issues with the information reported on my credit report : 1. The information reported on my credit report is inaccurate and doe
s not reflect my true financial status.

2. The information reported on my credit report is incomplete and fails to provide a full and accurate picture of my credit history.

3. I have reason to believe that certain information reported on my credit report can not be verified or substantiated by the credit reporting agency. 
I request that the consumer reporting agency conduct a thorough investigation into the disputed information and provide me with a written explanation of the results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, WA XXXX Former XX/XX/XXXX I did not live here in 2015 in fact I still lived at XXXX XXXX XXXX XXXX. XXXX XXXX Wa, XXXX XXXX XXXX XXXX XXXX Current Currently the XXXX at XXXX XXXX XXXX   XXXX  XXXX WA Account Number Account Status PAYS_AS_AGREED Available Credit {$2200.00} Reported Balance {$1100.00} Debt-to-Credit Ratio 54 % This is a duplicate account
Product: Checking or savings account

I bank with XXXX where I have a joint checking and savings account with my spouse. On XX/XX/XXXX, we were supposed to receive direct deposits of {$1400.00} to my XXXX checking account and {$160.00} to my XXXX savings account for my spouses pay ( pay date : XX/XX/XXXX ). As of XXXX we have not received the funds due to us, nor can XXXX provide an XXXX  for when we will receive our funds. XXXX customer service is currently unavailable via phone so I am unable to discuss this with them directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a mortgage refinance with my bank. The bank ran my credit report with Experian. Experian then gave my info to another party who contacted me stating I pre-qualified for their mortgage products. This was all unsolicited by me. At this point, I am not sure what personal info of mine has been compromised.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I deposited a certified check - a bank draft - from XXXX in branch and received a receipt specifying hold times and funds availability. Without notice Bank of America extended the hold for an additional XXXX  days. As per Regulation CC this extension seems unethical as my account has been open for XXXX  years - does not have a history of overdraft - I was not notified - and they are holding funds in excess of {$5500.00} on a guaranteed check issued by a national corporation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did reach out to XXXX XXXX  for the mis-reporting and expressed to them that the late payment was due to their system being down and that that's caused the payment being submitted on the XXXX XXXX  XXXX ; they denied the request.