23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it may concern, I was planning on buying my first home i had checked my credit and seen that I have XXXX accounts that does not belong to me. I do not know if it 's a mixed credit file or if someone has been using my info, But what I do know is that these accounts on my credit file does not belong to me. XXXX of the accounts are Chase Bank. On XX/XX/XXXX I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the XXXX credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. XX/XX/XXXXS - 2 of the Fair Credit Reporting Act, 15 U.S.C. XX/XX/XXXXg ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section XXXX 

When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX
Product: Credit card or prepaid card

HSBC has failed to take action on my request pertaining to my credit card. There were fraud charges that they never resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX  XXXX XXXX
Product: Checking or savings account

Navy federal took {$430.00} out my account and transferred it to my credit card thats delinquent. I didnt authorize that & now theyre not trying to give my money back
Product: Checking or savings account

I attempted to login to my account on XXXX  XXXX XXXX and received a system error. I have been unable to get access to my account since then and an in-progress transfer to my XXXX XXXX  account has not been completed. 

I have had multiple phone calls and email exchanges with Laurel Road. They are unable to provide any estimate of resolution/return of funds or reasons why the account is under review and frozen. Requested ID and XXXX XXXX  statements have been provided.
Product: Checking or savings account

In XX/XX/XXXX, my personal funds were seized by my bank ( Capital One ) because it was assumed that I fraudulently obtained an EIDL loan. I have submitted all my documents to the bank to assure them of the legitimacy of my loan request and subsequent award. I have received my loan documents with the scheduled payment arrangement and amount from the XXXX and currently repaying my loan. I do not see any reduction in that amount of {$4800.00}, which was the amount taken from my savings and personal checking account over XXXX years ago. This amount was removed, and my accounts closed because they alleged me transferring money from my Sole-proprietorship business account to my personal savings account at the time was fraudulent. The bank alleged that I didn't use the loan money for which it was given to me and made the decision to seize my funds and close my bank accounts.

I received my EIDL loan six months prior in XXXX and I didn't receive any assistance or funding from Capital One. I secured my EIDL loan independently. I applied for and received my EIDL loan in XX/XX/XXXX while working as an XXXX XXXXXXXX as a XXXX XXXX XXXX XXXX XXXX. Those funds coupled with contract payments were deposited in my business account with Capital One. Yes, I periodically move a portion of my business funds to my personal savings account as a XXXX XXXX but that doesn't mean fraudulent intent. That is prudent financial management for a small business owner. 

I disagreed with the banks ' decision and sent my complaint through channels to the Vice-president of consumer affairs however, it was intimated to me that the decision was final, and the monies were sent to the XXXX XXXX for return to the XXXX. I have been in contact with XXXX XXXX XXXX for almost 2 years, inquiring as to whether this can be reversed, and my funds returned to me or if not, when will the funds be applied to the balance owed on my EIDL loan? Nothing has happened as of today, XXXX years later. 

The funds seized were not even from an EIDL, but a personal loan I received from XXXX XXXX in XXXX of XXXX which I have paid off. I am currently repaying my EIDL as agreed. I now want my funds returned to me with interest as I believe should be fair. 

Please contact me either via email or phone as my contact info is as shown below. Your assistance and considerations in this matter is greatly appreciated.
Product: Credit card

CapitalOne offers a significant bonus on its Venture card if new sign-ups spend a certain amount within 90 days. The 90 days starts the day the card is approved online. But since it takes 7-10 days for the card to be received in the mail, we really only have 80 days to activate it & start making purchases. CapitalOne makes a big deal about having 90 days, which is nothing less than false advertising to get sign-ups. Please stop them from continuing this fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized information on my credit report, in accordance with 15 U.S.C. 1681b, and to request the immediate blocking and removal of this information.

The reporting of this information is not fair or equitable to me as a consumer. I was never provided with proper disclosures or the opportunity to opt out of sharing my personal information. If I did not authorize, share, or sign any disclosure or contract with any company, then making any transaction public is considered a violation under FCRA 1681b.

Legal Basis : Violation of FCRA 1681b Under 15 U.S. Code 1681b, the permissible purposes for accessing and reporting consumer information require written consent. I never provided any written or express consent for these accounts to be reported on my credit history. Without my explicit authorization, this reporting is invalid and must be removed immediately.

Requested Actions Immediate blocking and removal of the following unauthorized accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Written confirmation of the removal of the unauthorized information.

Assurance that the deleted information will not be reinserted into my credit report in the future.

I am enclosing a copy of my report filed with the Federal Trade Commission ( FTC ), which I have submitted to report this unauthorized use of my information ( FTC REPORT NUMBER : XXXX ). 

If I do not receive a timely response, I will proceed with filing a formal complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and will consider taking legal action to enforce my rights under the Fair Credit Reporting Act ( FCRA ).

I appreciate your prompt response and resolution of this matter. I expect a response within the legally required timeframe.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account doesn't belong to me..I asked for evidence to prove the account is mine but Transunion did not provide..This error has greatly lowered my credit score..CFPB amp up and delete the accounts : XXXX XXXX XXXX   ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Payday loan, title loan, or personal loan

we started with having autopay on the account but it took forever for landmark to take the payment via auto deduct from our checking account and they do not offer autopay on debit/credit cards. We cancelled the autopay not knowing it was sent to out bank already and made the payment online with our debit card and was charged a fee. Lendmark took the automatic payment as well. We contacted lendmark and was informed that they would need to clear and they would be able to reverse the payment they also asked for a screenshot of the account showing the completed trans action or a statement or our app. well for security resons our phones will not screenshot our banking app and when I took a screenshot of the pc site and sent it I was then told it had to have my name, account number and the completed transaction. I sent a screenshot showing the last 4 or the account, completed transactions and the only thing it doesnt show is my name on the page because it is on a whole different page. Lendmark then told me that it was not good enough because of my name and that it doesnt show the completed transaction. the sreenshot shows it is completed
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX,2017 XXXX XXXX, 2017 XXXX XXXX,2017 XXXX XXXX, 2017 i have sent several disputes with transunion to no avail have they showed me proof of verification of this debt. The only proof sent was it was verified thru lexis. They are not showing proof of how they verified it. They are not showing verifable proof.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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/year> Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
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 XXXX USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 602 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 as late for any purpose
Product: Credit reporting or other personal consumer reports

Complaint Details : I am filing a complaint against Nelnet for continuing to report my student loan debt inaccurately despite receiving a XXXX XXXX of a XXXX, which indicates the debt should be considered canceled and reported as paid in full. 

Key Points : 1. Incorrect Reporting of Student Loan Status : I received a XXXX XXXX of a XXXX from Nelnet, indicating the cancellation of my student loan debt. Despite this, Nelnet continues to report this debt on my credit report as active and unpaid, which is inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ). 
2. Violation of Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies. Nelnet has failed to ensure that the information they are reporting is accurate and complete. 
15 U.S.C. 1681c : Requirements relating to information contained in consumer reports. Reporting of canceled debts must be updated to reflect the accurate status. 
3. Neglect of Consumer Rights : Nelnet ignored my formal request to correct the reporting of my student loan status, which constitutes a violation of my consumer rights under the FCRA and the Electronic Funds Transfer Act ( XXXX ).
Product: Credit card

Well I received bank of america response and it's not true I did file a XXXX dollars application for a credit card again lying coerce tricky and fraud. Because you can not be denied credit due to XXXX XXXX credit history or income. Any adverse action in a consumer credit is illegal. And bank of america did an adverse action which is illegal all they actions illegal violating their practice still lying using tricky to denied my application which violating the laws and practices because nobody shall be denied because of credit score history none of that and bank of America playing mental health games because lies and tricky play with yo mental this was racists and I'm pulling bank of america employees that have something to do with this coerce tricky mental health issues racist insurance policy because they didn't follow them policy and procedures see.12 USC ; 1431also see.15 USC 1691and 12 cfr 1002.
Product: Credit reporting

I have a tax lien on my Transunion credit report maintain under my social security number reported by the XXXX XXXX Recorder 's Office. I have contacted the XXXX XXXX Recorders Office, and I do n't have a Judgement legal item. The recorders office stated to me that they do not provide information to credit reporting agencies, nor do they ever validate a public record due to Privacy Laws. On XXXX/XXXX/16 I received a letter from the Recorder Office advising to contact the credit reporting agency Transunion and indicate on my letter to clear out the FEDERAL TAX LIEN. On XXXX/XXXX/16 and XXXX/XXXX/16 I sent Transunion a certified letter asking them how did they validate or verified this public record entry with the XXXX XXXX Recorder Office and to please permanently delete this Public Record immediately. In my letter I stated according to the Federal Credit Reporting Act ; Section 6099 ( a ) ( 1 ) ( a ) you are required by Federal Law to verify through physical verification of the original signed consumer contract-any and all accounts/ public information you post on a credit report otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I also sent them a copy of the letter from the XXXX XXXX Recorders Office telling me to indicate in my letter to clear out the FEDERAL TAX LIEN. On XXXX/XXXX/16 I received a letter from Transunion indicating the tax lien has been verified on XXXX/XXXX/16 I wrote another letter to Transunion asking to please provide the name, address, and telephone number of each person contacted at the XXXX XXXX Recorder Office and I formally requested a copy of any documents provided by the Recorder 's office bearing my signature. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. The Transunion letter also stated " You may contact the company that reports the information to us and dispute it directly with them. If you wish to obtain documentation or written verification concerning your accounts, please contact your creditors directly '' I have already done my research with the XXXX XXXX Recorder 's Office I have already given Transunion a copy of there response.
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! 

XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! 

XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I booked a room on XX/XX/2019 online. The reservation and advertising was for " XXXX XXXX XXXX XXXX XXXX ''. On arrival at the address for Hotel given on my receipt, I was unable to find the Hotel because there was no such Hotel at that address. The Hotel at that Address was actually signed and displayed internally as " XXXX XXXX XXXX ''. I asked Management on duty and Management claimed the Hotel had changed ownership very recently and was planning to update their advertising. I refused to stay and was denied a refund by the Hotel. The booking service did give me a coupon coverage a fraction of the costs of travel, rebooking and the actual room cost. I have done research and the Hotel NEVER did update to XXXX XXXX XXXX XXXX XXXX or provide me any proof that the Hotel was ever in fact ACTUALLY the XXXX 's XXXX XXXX XXXX, I sent pictures, documentation and phone records of the original reservation all showing the discrepancy in an attempt to resolve the dispute. The charge and reservation are a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to get a free annual credit report from XXXX and Transunion, the prompts are telling me that my info can not be found in their database when I just unfroze my credit with XXXX with no probs the last couple years untold XXXX XXXX. The last time this issue came up is when someone was using my personal info to obtain credit and I became a victim of identity theft in XXXX and my credit was wiped clean my credit score fell from the upper 700s to 300s in no time, I again found bogus accounts on my credit reports ( XXXX ) ( XXXX ) That I had XXXX dispute for me and took off in XXXX, Im just now getting my credit back and now I suspect its happening again I had a initial fraud And credit froze at all 3 bureaus and now they re telling me my info isnt in database and I have to mail proof of my identity to Transunion and XXXX, I haa as d no prob with XXXX. I Am allowed my free 3 annual credit reports and I cant get to my info and it was fine last XX/XX/XXXX. I got a loan to get my car. Now Im having issues to unfreeze my credit at XXXX on Monday XXXX XXXX for a much needed loan. I am so fed up with this, you all had just got Transunion to unlock my info so I could get to it, I couldnt get to it for 6 years until you all got in touch with them last year. Now its starting again. I want this matte tv resolved please and for them to stop letting other people view my credit I take it, I am a victim of I am a victim of identity theft and have the documents to back this up since XXXX. My ssn # was compromised and used to file numerous tax form 1040 and the IRS caughgg Th it because I dont have a tax filing status and I am having trouble with my local Social Security Administration in XXXX NC, they will not issue me a new number, my ssn # is out there and the person or persons keep doing this when they get angry at me for whatever, a detective told me it is a revenge act that was done to me we have our suspects but not been able to prove it, my ex husbands family we suspect, but I know my current ssn # will always be tagged to me but at least maybe they wont steal the new number if I was issued a new one. The only way I know this matter will be solved permanently, thank you for your time.