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

XXXX XXXX  XXXX XXXX ( XXXX ) deleted thier entries on my credit report on XX/XX/XXXX and CFPB was notified.The Superiour Court of XXXX terminated all matters with XXXX with prejudice in XX/XX/XXXX. 

The credit bureas have'nt corredted my data in over a year. 

Despite this and letters to Equifax and XXXX  for the last few months ( more than 3 times in XXXX ), the entities haven't made corrections and deletions, verified data per the Fair Debt Collections Act, violated the 30 day investigation period, have false, misleading data on my report, and stubbornly will not make chanegs. 

I have sent verification data of my residence, identity, and other items to Equifax and XXXX  but they will not comply or cooperate. 

This is my 5th request in 120 days to corect the data.
Product: Mortgage

I had funds, in a Wells Fargo Account, to bring loan current. But, was repeatedly told it was too late, just to forget about the property. I have a ATM receipt with the account balance showing I had funds available. All I needed was the wiring instructions and address. Ironically I see the Wiring Information Now, has been made available at online Banking. I had other funds on hand when I took this balance snapshot.
Product: Credit reporting or other personal consumer reports

I was advised by a Transunion and XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these Fraudulent Unauthorized inquiries on my report. 

Please remove all the fraudulent unauthorized inquiries on my report. Thank you for your help, this is hurting my credit card and reporting false information to future creditors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I have been a victim of identity theft. Chase bank wants to charge me for the unauthorized transactions of approximately {$1000.00} I did not make, eventhough I am showing them a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing woman I am aware of my unalienable rights which have been infringed upon, within the congressional findings of the FCRA 15 USC 1681 ( a ) ( 3 ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

You guys have assumed this role and the information down below breaks federal law. I never gave anyone permissible purpose to furnish my information pursuant to 15 USC 1681b furthermore your company is not exercising their grave responsibility which is to report accurate information. 

Delete the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  By the provisions of the Fair Credit Reporting Act, I demand that these items be reinvestigated and removed from my report within 30 days. 


I am aware of the deception and misuse of my credit card. I am demanding you send the consumer file as well as an official consumer report to the address listed above. I demand deletion from these accounts for the invasion upon my privacy and by making a false, fictitious, or fraudulent statement or representation in pursuant to 15 USC 6821. I will be waiting for my response through mail and an updated consumer report with these inquiries removed.
Product: Consumer Loan

On XXXX/XXXX/2015 XXXX/Credo ( XXXX XXXX XXXX made an inquiry of my credit file with XXXX without my concent
Product: Debt collection

I am filing this statement to provide an account of the interactions and communications with Capital One regarding the validation of a debt, verification of claim, and the provision of a copy of the contract. 

On XX/XX/2023, I initiated contact with Capital One by sending a formal letter in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). In this initial letter, I explicitly requested the following information : I requested a detailed accounting that explains how the debt was calculated, verification of a signed invoice or lawful claim against me, and a copy of the contract that binds both parties. These requests were made in accordance with my legal rights under the FDCPA, and I awaited a response from Capital One to fulfill these obligations. 

Subsequent to my initial communication, I reiterated my requests on XX/XX/2023, in an effort to ensure clarity and proper documentation. 

On XX/XX/2023, Capital One responded to my requests, stating that they were unable to provide a copy of the contract. They explained that the credit card application had been taken over the phone, and as such, no wet ink signature had been collected for the credit card agreement. This response raised concerns, as it failed to provide adequate validation of the debt and did not address the other elements of my request. 

To further address the matter, I requested verification of the debt once more on XX/XX/2023, hoping for a comprehensive and satisfactory response. 

However, on XX/XX/2023, Capital One once again responded, indicating their inability to provide the requested information. 

Throughout this process, my primary goal was to obtain proper validation of the debt, verification of the claim against me, and a copy of the contract that binds both parties. These requests were made to ensure transparency, adherence to the law, and my rights as a consumer under the FDCPA. 

Despite multiple communications and requests, Capital One has not provided the necessary documentation to meet these legal requirements. As such, this situation has not been resolved to my satisfaction, and I remain concerned about the validity of the debt and the lack of transparency in this matter. 

I believe that the actions and practices outlined above may constitute violations of my rights under the FDCPA, and I am committed to seeking a just and lawful resolution to this issue. 

I respectfully request a thorough investigation into these matters and a resolution that aligns with the principles of fairness, transparency, and adherence to the law.
Product: Credit card

I was not aware of the interest rate until I received the second statement which shows an interest rate of 31.24.
Product: Credit reporting or other personal consumer reports

Synchrony Bank calls me every single day since XXXX XXXX..They won't stop and i want them fined! I'm looking for {$300000.00} dolkars
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor that I am a victim of identity theft and I complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$11000.00} ; XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021
Product: Credit reporting or other personal consumer reports

I went to a car dealership i did not get approved, i checked my credit report and seen how the dealership ran my credit to XXXX other companies without my permission, i seen so many inquiries on my credit file, This is IDENTITY THEFT! Here are the inquiries below On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 PLEASE DELETE ALL THESE UNAUTORIZED INQUIRIE AND ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX I HAVE SENT XXXX CERTIFIED LETTERS TO EQUIFAX, EXPERIAN & TRANSUNION AND GOT NO RESPONDS!!! ! 15 USC 1681 N NON-COMPLIANT THEY REFUSE TO RESPONDS BY SENDING STALL LETTERS OR SAYING YOUR FILES HAS BEEN UPDATED OR SEND MORE IDENTIFICATION A BUNCH OF STALL LETTERS!!
Product: Mortgage

A QWR was sent to the lender on XXXX/XXXX/16 - To date we have yet to receive a response to our inquiry. The lender has also failed to provide all early intervention options to the client prior to setting a sale date for the FC processes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan a late for any purpose
Product: Credit reporting

Citi Bank let someone else open a credit card under my name in XX/XX/2017 without any hard inquiries in advance, all of XXXX credit reporting bureau ( XXXX, XXXX, XXXX ) are failed to inquire me about this case even despite I put 90 day fraud alerts in XX/XX/2017. After I read about Citi Bank online, I know apparently they are infamous for doing something like this. Since they are hard to reach when it comes to inquiries regarding dispute ( no phone number provided ), I need help with disputing this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has been given proof of closed account as satisfactory. In fact XXXX  contacted them and it was briefly fixed and appeared as satisfactory. Account in question is a joint account with husband. His report is fine and appears satisfactory.Checked credit again today and account contains numerous errors. TransUnion is being willful and has caused great pain and stress as we're in the process of loooking for new house and obtaining loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that on Equifax my score had dropped due to the bank not reporting my correct credit limit as well as the current balance of my account. I called the company and asked that they update the correct information to the credit bureaus. The customer service representative told me that I should write a letter to the company requesting they update the information with the credit bureaus. I also took the liberty to dispute the information with Equifax which after disputing the investigation still came back with the wrong information.
Product: Credit reporting

I paid the loan off XXXX on a car loan XXXX years ago ons it is still on my credit report I talked XXXX and they said it was up to the. Credit bureaus to take it of I want it off I paid the money to pay my loan off so discusted
Product: Credit reporting or other personal consumer reports

According to 15 usc 1681 you have violated my rights by in lawful communications please remove this charge off of my credit report thank you
Product: Money transfer, virtual currency, or money service

XX/XX/2021 in the amount of {$40.00} i contacted support several times and only recieved order a new card as a response nothing bout the money taken without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently applied for a Chase credit card and been approved. After setting up my account, I tried to use XXXX XXXX. The system told me I need to call, as there was a problem and they needed further info. 

I have called three different agents. Every time I call, I have to enter my full Social Security Number and my date of birth. After being connected to the agent, the agents ask me for the Social Security Number again. I am very concerned giving my SSN to somebody over the phone. I don't understand, why Chase would need to have that twice and why there is no safer way to identify me. This seems to be reckless. 

Also the agents were completely incompetent and I assume they were located somewhere in XXXX. Is this a third party call center and how is my information safe? 

The third agent finally told me, that the issue has to be fixed with XXXX but that I need to call earlier. 

So I called today again. Fourth agent put me thru to XXXX. Again, I have to give my entire information over the phone. They say that Chase reported a wrong Social Security Number and that I have to contact Chase again. 

Fifth agent at Chase ( XXXX ) I talked to, again asked me for my SSN. I told her what are my concerns. She tells me, that she had many other customers telling her that concern. She could not tell me, why this has not been fixed or why she is not able to explain, why they have to ask for the full SSN. She also tells me it happens that they screw up SSN numbers, when connecting to XXXX. 

I would like the two following questions answered : - Why is Chase asking for full SSN over the phone, even though customers are prompted to enter SSN before getting connected? 
- How could Chase approve a Credit Card if my SSN is wrong or does Chase have a systems issue, so the interface of XXXX XXXX to XXXX screws up the SSN?
Product: Credit reporting or other personal consumer reports

I had a car loan with XXXX XXXX  6 years ago.I was involved in a car accident and the car was totaled.My gap insurance paid for the car and my loan was paid off.I was given a voluntary repossession remark on my credit report and this has been negatively impacting my credit for 6 years.i ask that this remark be removed.I spoke to XXXX XXXX multiple times on the phone and they confirmed that the loan was paid off and that the car was deemed abandoned and sold at auction to pay off the remaining balance.They gave me a copy of the loan payments paid off to help me get this removed from my credit report.
Product: Debt collection

I could not find a more appropriate issue statement that this incident would fall under. 

In XX/XX/2022 at approximately XXXX, an unknown man in an unmarked vehicle dressed in XXXX XXXX wear without any identifying information ( such as a badge ) waited down the block from my home in his car with the lights off. When my husband pulled into the driveway of our home and opened the garage door, the man in the unmarked car sped up to my husbands car with their vehicle lights ( headlights and taillights ) OFF. This scared my husband so badly, that he hurried to close the garage door behind him. The man in the unmarked vehicle turned on his vehicle lights, walked up the driveway, and proceeded to pound on the garage door with his fist. According to my husband and our home security footage, the man never identified himself. Adding to the scariness of the incident, the man walked up to our front door, even though our house outdoor lights were off, and proceeded to pound on the front door, while also peering through our doors peephole and through the windows. All of this can be seen on our home security footage. Unbeknownst to us, the man just drops the legal papers at the door and leaves. We didnt know who he was or why he was there until we investigated the papers left behind and received notices through email that I had been served a lawsuit. Because I was so unnerved by the event, I called the police and had them write a report. I have attached it below.
Product: Credit reporting or other personal consumer reports

15 usc 1681a ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Credit utilization is an experience that should not be reported to consumer reporting agencies
Product: Debt collection

I opened this account while away at XXXX. XXXX for XXXX XXXX training in XXXX XXXX, Utah in XX/XX/XXXX, the XXXX location was inside XXXX XXXX XXXX building. My credit file is showing that I opened the account in XX/XX/XXXX, which is 3 yrs old and the amount owed is {$300.00}. This is false, I have had XXXX XXXX service since before leaving Alabama in XX/XX/XXXX. This account is actually over 7 years old, and the amount owed was {$170.00} ; my credit file is showing that I owe {$300.00}.
Product: Debt collection

Spoke with SOUTHWEST CREDIT SYSTEMS in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. 
Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of15 USC 1681b- ( a ) ( 2 ).
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 : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and 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, credit repair services, or other personal consumer reports

I have disputed the late payment on this XXXX XXXX XXXX for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender,  financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Debt collection

XXXX is taking fees from my bank account whenever it wants to, pretending to be XXXX, with out telling me or XXXX, then my bank overdrafts me and i have check bouncing fees all over from it. They have done it many times already and it keeps overdrafting my account and other companies charge me a lot too. Im not talking about a bounced payment, which they don't tell what it is or of thats even the issue. It says call XXXX. XXXX says it wasnt them. I've spoken to them at least 5 times and they assume me nothing is pending from my account and everything is paid for but then a payment comes out from an order a month ago, which is fine.. i owe it either way but then XXXX  takes their XXXX $ fee. They took it 3 times for the same one issue and people on reddit say they keep doing it to them too. Well im on XXXX and they are robbing me blind w out notice or anything. They think they have the right because XXXX contracts them as a third party. Ok, to get their money ... Not " and whatever fee they want, as many times they wish ''
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 TransUnion, XXXX, XXXX credit reporting agency , 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 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( 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.