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

On XX/XX/year>, ( CFPB Complaint XXXX XXXXXXXX ) I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid identity theft affidavit, to prompt a complete and thorough investigation. 
However, in response, your agency has simply stated that the accounts in question were verified without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611.

FCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. Specifically, I demand that you : 1. Provide the source of information used to verify the accounts in dispute this includes identifying the furnishers or third-party entities contacted during your verification process, as required by law.

2. Confirm whether your agency contacted the Federal Trade Commission ( FTC ) regarding the identity theft affidavit submitted this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested items.
Product: Checking or savings account

On XX/XX/2022, I received a letter in the mail with a XXXX XXXX XXXX stating, " You're In! Welcome to the club. '' The letter instructed me to activate the card, load it, and swipe. On the bank of the letter is a routing number and account number for the debit card through XXXX, XXXX. 

On XX/XX/2022, I called and email Netspend and XXXX. Neither entity had a customer service representative available to help. Netspend does not have Fraud Department and XXXX has no live operator to handle fraud calls. 

This account was not opened by me. Netspend was able to verify my social security number. At no point in time did I ever provide my social security number to Netspend, XXXX or to any of their partners to open this account. 

I attached the letter, debit card, and account information received from Netspend and XXXX. I blanked out all but the last four of the debit card and last five of the checking account so that the Companies may verify their information in this letter.
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

1. CREDIT COLLECTION SERVIC XXXX Opened XX/XX/XXXX Balance {$0.00} ;
Product: Debt collection

Someone forged my name on an auto car loan, with a company I've never done any business with and have reached out numerous of times and provided documentation explaining the information they have on file is the result of forgery, this company is apprehensive regarding removing this account from my records due to the information on file matching my personal ID and SSN. The document 's attached list an address I never lived at and signatures that's not mine, the wire transfer and bank statement they have on file or forged and or doesn't belong to me and may be the result of wire transfer fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear COMENITY BANK/VCTRSSEC # XXXX ; I honestly do not believe to ever had any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Everything must be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigated but how is that possible if the account is reporting as a charge off with a balance of {$12000.00}, the date last active is inaccurate, and the last date reported is not accurate. The account history of late payments is inaccurate, the car was XXXX on or around XX/XX/year> not later the charge off date is inaccurate. 
This ground for removal they also violated my rights under : 15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Also, the credit Bureaus took more than 30 days to complete my investigation.
Product: Credit card

I received a company Credit Card from Citi Bank without my permission. I called the bank to verify, and the bank confirmed the issuance of the card. However, the bank refused to share with me any information and asked me to contact my company ( the company I work for ). I contacted the Finance department at my company and they confirmed not to have applied for any credit cards ( Note : I am the solo representative of the company in the US, but I still fulfilled the bank request to ask ). The bank continued to refuse to share with me any information, and even refuse to cancel the card even though it holds my name and perhaps my social security number being attached to its application. 

I did share with the bank that the last company I worked for and had a Citi Bank card with them was XXXX XXXX. But that was 10 years ago and switched to 4 other employers after that. I now work for XXXX XXXX and I shared that with Cit Bank. I also told them we do not deal with Citi Bank, but we deal with XXXXXXXX XXXX therefore they have to cancel the card for a fraud reason. 

I am very concerned this may have been an identity theft, and that my personal information were breached by Citi Bank or some entity that deals with Cit Bank. Your prompt assistance in this would be appreciated. I need them to cancel the card immediately, remove my information from their database, and restore any damages or breaches that might have occurred without my knowledge. 

Note : Your system asked me for the Billing Address of the card, and of course I do not know it because I did not apply for this card nor did the company I work for. So I have no idea what address this card is tied to. Just FYI. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX XXXX XXXX Collections on my Transunion and XXXX report for over a year now. Each month they are reporting 2 separate accounts for the same lease. XXXX and XXXX. I have contacted original creditor the true balance and they have added on about XXXX dollars to the bill. I have asked several times for them to validate the debt but they never send me anything. The Date of First Delinquency XX/XX/2019 is not correct they have RE_AGED the accounts, Also XXXX  XXXX XXXX XXXX is reporting these amount each month past due. Collections can have balance but no Past Due Amounts or Payments. My rights have clearly been violated and I want these 2 accounts Delete.
Product: Debt collection

They're sending me emails about a debt of {$670.00} I do not owe. Me and my father have the same name and I believe he used my information to get a credit card in my name and because of this my credit score has been negatively impacted by this. My wife and I are trying to purchase a home and can not because of my score. This is a defamation to my character and livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

Years has went by as I have called transunion several times regarding this issue. I have been trying to go online to their website to dispute and keep getting the same error message for years. I recently called and talked to a representative and they say it has been fixed but this is untrue. I am attaching a copy of the error message that I keep getting after I entered all of my information on their website only for it to verify my information as accurate but refuse to go further allowing me to monitor my credit report to dispute invalid information that they are reporting on my credit report.
Product: Credit card

I recently made a complaint and your company responded saying : Thank you for expressing your concerns to the Consumer Financial Protection Bureau. We appreciate you allowing us the opportunity to research this matter. We completed our review and the details of our response are below. We confirmed you made a payment of {$3000.00} on XX/XX/year>. 

We confirmed a payment of {$2000.00} was made online XX/XX/year>. We confirmed XXXX XXXX was used to log into the online account on XX/XX/year>, to schedule the payment {$2000.00} payment. The payment of {$2000.00} was returned due to being unauthorized on XX/XX/year>, and we sent you the attached letter dated XX/XX/year>, confirming this information. 

___________________ So my question to your company is HOW is XXXX XXXX  confirmed used to log into an ( online ) account, that I NEVER logged into to make this transaction??? 

I ONLY log into my mobile account, and I only use my XXXX XXXX with my mobile phone. 

How, somebody please tell me how? 

Your company did not verify these details correctly!! 

Not only did I NOT make a {$2000.00} payment, my account was closed because of it AFTER paying {$3000.00}! ON TIME! 

Why is that fair??? 

Why would I make a {$2000.00} payment that doesn't go through AFTER making a {$3000.00} payment on time that did?? 

Nobody is investigating this situation! I should be able to have my account reinstated and everyone continues to tell me there is nothing they can do!! 

Your company also specified that one of the reasons my account was not reopened because I used the card! When your company offered to give XXXX points for spending a large balance within 3 months! 

I filed with the FTC and Police Department. My information was confiscated!! 

This is also not the first time I was frauded using Chase Bank! 

I am imploring this be investigated further and something be done! 

Earlier this year a company with Chase bank frauded my company for {$7400.00} and nothing was done. 

Now this! 

Why do these things continue to happen? And I am supposed to just be out of money and there is " nothing you can do ''? 

I highly Doubt it!
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THIS ACCOUNTS AND INQUIRIES : 1. Pursuant to 15 USC 1681s-2 this account is in violation for not providing a notice of dispute XXXX XXXX Account Number XXXX XXXX Please delete account from my report at once. 

2. Pursuant to 15 USC 1681i ( 7 ) this account failed to provide description of reinvestigation procedures for method of verification XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Vehicle loan or lease

I am writing you because I leased my car with US Bank on XXXX. The price of the car when I leased it at the dealership was {$52000.00}. Unfortunately, I was hit by another vehicle on XX/XX/22 and my car is totaled. 
My car insurance informed me they would award me {$62000.00} for the claim. I contacted US Bank on XXXX XX/XX/XXXX and asked them how much it was to buy the car and they said {$44000.00}. The loss department sent my insurance a letter of guarantee saying they will require the entire amount that my insurance is providing which is {$62000.00}. I found that very odd since the price of the car when I bought it was less and I have made 17 payments of {$790.00} which comes to a total of {$13000.00}. 
When I called the loss department, conveniently enough, they don't speak to the customer but only directly to the insurance. I realized that is just so that the company can ask for the entire amount of the money being provided by the insurance. I asked my insurance to request a break down of how they got to the number and they said they don't provide that information either. VERY CONVENIENT AGAIN! 
I made my insurance stop the payment because this is outrageous. A lawyer recommended I buy the car for the {$44000.00} and then the insurance would have to send me the check directly to me. However, when I called the company they said that they don't own the car even though I have explained to them that they do since the payment was stopped and that I want to buy it. So, what they did is transfer me all day and then they say I must speak with the loss department, but the loss department won't talk to me, only to my insurance. 
This car leasing company is pocketing {$18000.00} from my insurance claim that does't belong to them.
Product: Debt collection

On or around XX/XX/2023, I received a debt collection letter from Jefferson Capital claiming that I owe {$6100.00} to the XXXX XXXX XXXX I then called the Jefferson Capital and I told them that I do not recognize such debt because I have never ever opened such an account with XXXX XXXX XXXX. I then checked XXXX XXXX on which I found that this account exists in my credit file. It was someone else who apparantly used my identity and opened this account. I would like the law enforcement initiate an investigation on this fraudulent account and I also request that the credit report agencies remove this account that does not belong to me.

Kind regards. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

Wells Fargo gave me a credit limit of XXXX, then when I was using the card, they just dropped my credit limit to under my balance, then charged me late fees and raised rate of late charges! I paid the card off, I was using the card monthly and they had a XXXX credit limit. I was using my card and paying it off at the end of the month to increase my points on 1.5 % on purchases! I was then hit with them again with them lowering my credit limit again to my balance for what they said was the way I was using my card is not what Wells Fargo XXXX department said! Now I have a XXXX fico score and they said that my use of the card was not what they wanted because I had low credit scores! So this is a lie because they said it was pattern based usage of the card! Then they charged fees and outrageous fees for cash transactions that I never made! I told them this should be illegal, apparently they have been doing a bunch of illegal transactions!
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/2020. On XX/XX/2020, I spent the entire day getting my credit report unfrozen at all 3 credit bureaus. I managed the unfreezes so that my credit report would be unfrozen until XX/XX/2020. What's going on is that I am trying to refinance a car loan. For my car loan, my current interest rate, from the car dealership, is above 17 %. Yesterday, XX/XX/XXXX, a potential lender told me that my TransUnion credit report is frozen. I then went online and saw that my TransUnion credit report claimed to be unfrozen. I texted back to the potential lender saying there must be a problem with TransUnion 's software, since from my end my credit report is unfrozen and there's nothing else I can do about it. It seems to take about hour to login to TransUnion, since they initially claim my username & password aren't correct, always. Today, XX/XX/XXXX, when I login, I am unable to see my TransUnion credit report. Also, the lender texted back saying my credit report is still frozen. The problem is that TransUnion is not unfreezing my credit report. What is going on is that lenders can not get a copy of my unfrozen credit report. TransUnion is refusing to allow potential lenders to see my credit report. I am in a rush to refinance my car loan as soon as possible, and TransUnion won't allow lenders to see my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CARD - XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXX/XX/2021 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Processing XX/XX/2021 TransUnion XXXX XXXX XXXX XXXXXXXX XX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 TransUnion XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 TransUnion I requested that they remove these unrecognized inquiries. I was treated rudely by one agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with JPMCB CARD, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called JPMCB CARD and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX, and JPMCB CARD with no successful resolution. XXXX XXXX and XXXX   reporting me 30 days late on XX/XX/2018. There was an error on their part. I was never late.
Product: Credit reporting or other personal consumer reports

My car was total loss in a crash. XXXX was paid remaining balance by insurance and GAP insurance but they showed it as charged off. It is affecting mine as well as my co-signor credit file negatively so much so that we could not buy another car. The GAP initially paid one amount and some balance was left. I contacted them to review and they paid the balance amount later. I have tried to resolve the issue by writing to them, calling them, complaining to credit reporting company and finally to CFPB but they keep on lying that the amount was not paid to them. They even close my complaint unilaterally without getting back to me. This is gross misuse of power. I am attaching all documents here and I want to sue XXXX for XXXX XXXX dollars in damages and the amount of distress they have caused both of us. I don't even understand what CFPB is doing by closing the complaint unilaterally. It looks like CFPB is not Consumer protection but XXXX XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/2022, I filed out a credit card application offer sent to me by Navy Federal after prequalifying, speaking to representative, unfreezing my credit report, reading terms and conditions of the program before submitting the application. Nevertheless, I was denied the offer, which is understood did not guarantee approval. The problem is the direct reason of the denial of the credit card application!

The denial is in violation of the FCRA LAW. Also Violation of the credit card disclosure program which does not specify in filling out the credit card application you have to qualify for a XXXX credit limit! 
That was the reason verbatim, my credit card application was denied!
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act. The List of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 1. The inquiry was not authorized XXXX XXXX Date of inquiry : Please remove it from my credit report. XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 3.The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXXThe following account is not mine XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. XXXXThe following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. XXXXThe following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXX  ( Original Creditor : XXXX ) Account Number : XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXX ( XXXX XXXX : XXXX ) Account Number : XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX / XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXX  XXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 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 crime which antedates the report by more than seven years. 14 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.