23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Someone opened an account in my name with oportun/XXXX  that I did not authorize. On XX/XX/XXXX I called them and spoke with XXXX and XXXX who started the fraud report and advised me that the funds had been frozen and that I would receive an Identity theft kit in the mail in 10 days. I got the packet, filled it out, sent it back and waited but got no response. 

On XX/XX/XXXX I called and spoke with XXXX XXXX who advised me that I didnt send a copy of my ID. I faxed a copy on XX/XX/XXXX and it showed as successfully received. XXXX confirmed my affidavit was received. Still got no follow up from a fraud department. 

On XX/XX/XXXX I called and spoke with XXXX and XXXX who told me that the fraud department is still working on it and they will reach out to me. 

There are now derogatory marks on my credit report because they are showing the account as late by 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, my request to block is not being made in error ; nor is my request being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. Experian is denying me of my rights as a consumer!! 15 U.S. Code 1681c2- Block of information resulting from identity theft explicitly says the information needed for a consumer agency to block and delete information reporting on a consumer file. ( A ) Block- a consumer reporting agency shall block the reporting of 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 by such agency of- ( 1 ) appropriate proof of the identity of the consumer- PROVIDED ; ( 2 ) a copy of an identity theft report-PROVIDED ; ( 3 ) the identification of such information by consumer-PROVIDED ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer-PROVIDED. It is clear that Experian does not comply with federal law. What right do they have to deny me ( consumer ) of my federally protected rights? I have provided everything necessary for this block of information. I have attached all documents and also attached the email they sent me recklessly asking me for additional information which is not required under federal law. Last, I did not give Experian permission to place an extended fraud alert on my credit report allegedly on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my dispute results from Equifax stating the XXXX inquiries from XX/XX/2020 and XX/XX/2020 have been deleted from my credit report. 

However the inquiry from XX/XX/2020 is still reporting and was never removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

After noticing a debt on my credit report I sent a letter of validation certified mail on XX/XX/XXXX ( asking for 30 day response ) to XXXX XXXX  and the credit agencies XXXX, XXXX and XXXX for validation. In return I was sent from the credit agencies that the debt was validated ( but provided no proof ) and XXXX sent a bill which is not validation XX/XX/XXXX. I sent a certified letter to XXXX XX/XX/XXXX asking for proof that they validated this debt and again no proof was provided also sending one to XXXX again.XXXX continued to report on my credit report this debt without any validation that I am the person who owes this debt and has since starting sending collection bills still with no actual validation of this debt, no contracts, no transaction history nothing. My certified letter asked for a 15 day response ( sent XX/XX/XXXX ) of validation or for this to be removed from my report and neither has been provided. XXXX and the credit agencies continue to report this debt.
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. 

has violated my rights. Or a 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 XXXX 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: Debt collection

This collection agency has no surety bond in the state of Texas.They are illegally attempting to collect from me.They refused to take it off my credit report.Chapter 392, Finance Code, provides for both civil remedies and criminal penalties. Tex. Fin. Code 392.402-.404. A consumer may take private legal action against a third-party debt collector or credit bureau for a violation of Chapter 392. In addition, a consumer may file a complaint with the attorney general if the consumer feels that the third-party debt collector or credit bureau has violated Chapter 392 by engaging in a false, misleading, or deceptive act or practice. 

Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapter 392 and may also be a criminal offense. Tex. Fin. Code 392.402. The attorney general or a district or county attorney may investigate an alleged violation of Chapter 392. If you notify the secretary of state, this office will notify the third-party debt collector or credit bureau of the bond filing requirement and, if necessary, refer the matter to the attorney general for investigation. Please report the names of any third-party debt collectors and credit bureaus that do not have bonds on file to : Registrations Unit Statutory Documents Section Office of the Secretary of State XXXX XXXX. XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX I have filed a report.I hope you will take action.Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and noticed that there are multiple addresses on there that I don't live at. The only address that should be reporting is listed below. 

Correct address XXXX XXXX XXXX XXXX MD, XXXX Please delete these wrong addresses thats listed below. 

XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX CT XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid the company! I have sent several letters requesting verification, but there has been no response.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I demand an immediate investigation and removal of these inquiries.

The following inquiries listed on my credit report are unauthorized and were not initiated by me.

I have not applied for credit with these institutions, nor have I authorized these inquiries. Under 15 U.S.C. 1681i, you are required to investigate and correct inaccurate information on my credit report. I expect these unauthorized inquiries to be removed from my report immediately.

Failure to comply with this request will leave me no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal remedies for damages caused by these inaccuracies.

Please send me a written confirmation once these inquiries have been removed from my credit report. I expect a prompt resolution to this matter within the 30-day timeframe as mandated by the FCRA. 

Thank you for your immediate attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives ' addresses. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory in nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX, XXXX, XXXX x XXXX, XXXX, XXXX XXXX # XXXX x XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX My name is : XXXX XXXX - XXXX : XX/XX/1995 - SS # : XXXX ALL OTHER NAME VARIATIONS ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX My current and only address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : XXXX All other telephone numbers are not accurate. Please REMOVE/DELETE these telephone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX XXXX XXXX XXXX : All other employers listed are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : VSP, XXXX XXXX XXXX, XXXX XXXX, XXXX
Product: Debt collection

To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process. By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account name : National credit system ( Original creditor : XXXX XXXX ) & Account Number : XXXX This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately. Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. 

Thank you. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple hard inquires on my credit report by a dealership that was not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file for chapter XXXX bankruptcy on XX/XX/XXXX and I get the order of discharge on XX/XX/XXXX, which include all my credit cards with the exception of my car loan which I continue to pay my monthly installment until I pay off the whole balance of {$4400.00} on XX/XX/XXXX XXXX, but when I checked my credit report recently from the three major credit bureaus I was surprised that the ( pay status ) of my auto loan which represented by ( XXXX XXXX XXXX XXXX ) is included in my bankruptcy case which is not supposed to be, I contacted Transunion, XXXX  and XXXX and ask them to correct the wrong information about my auto loan and I send them all the required documents, each of them launched their own investigation, after all the result come back with no change and they stated that the car loan is part of the bankruptcy.
Product: Mortgage

Bought the house in XXXX at age XXXX with no job yet after nursing school. Was an XX/XX/XXXX and time that they gave anyone and every a loan. Foreclosed around XXXX. Been stuck paying the interest bearing account that justvdoesnt go down and have not had any ties to the house in over a decade. House has been sold for over a decade.
Product: Prepaid card

I attempted to use this gift card but it kept denying. I called customer service for a refund and its been 2 weeks and I haven't received my payout
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX inquiries fraudulent from my Transunion Credit Report. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Credit card or prepaid card

Hello -- My M & T Bank credit card ending in XXXX was flagged for suspicious activity on or about XX/XX/XXXX after making my second online purchase. I called the customer service number the bank provided a couple of days after the alert and reached a very nice representative that referred me to the fraud department. Upon calling the fraud department I waited on hold for over 40 minutes and was unsuccessful in getting in touch with anyone to resolve the issue. So I then decided to send a secure email to M & T Bank on or about XX/XX/XXXX stating that the purchase flagged was made by me and I was in possession of my card. I asked M & T Bank to remove the hold on my card. M & T Bank replied to my secured email asking me to contact the same fraud department phone number. I called the same fraud department number on XX/XX/XXXX as of the writing of this message and have been on hold for over 53 minutes and once again was unable to contact anyone to resolve the issue. 

Any assistance you can provide would be greatly appreciated.
Product: Checking or savings account

I opened an account with Citibank in XXXX of 2021, specifically to take advantage of a promotion ( XXXX ) they had in which you would receive a {$300.00} bonus for depositing $ XXXX in a checking account and maintaining that balance for at least 60 days. I opened my account over the phone via a Citibank representative and clearly told them the reason I was opening the account was for the bonus. She opened my checking account and my initial deposit of {$15000.00} was deposited on XX/XX/2021, within the XXXX deposit period stipulated by their conditions. After not receiving the {$300.00} bonus after the XXXX period, I called Citibank and they told me I had to wait another 90 days for it to process but that my account was showing that the bonus would be applied. I called back XXXX more times before the 90 days just to check in and each time the representative told me that my bonus would be applied and that I just needed to wait. XXXX rolled around and I called twice since it had been over 6 months since my initial deposit. The first representative told me the bonus should have been applied already and couldn't give a clear answer on why it hadn't. She told me she would send the case to a supervisor and that I should receive an email or correspondence within 7 days. Within the week I got a letter stating that I did not qualify because the " linked savings account was not opened within the stated timeframe. '' I have several issues with this : XXXX. I specifically opened the account with the intention of receiving the bonus and I did it over the phone with XXXX of their representatives. If a savings account was required, she should have been able to open that for me at the same time. 

XXXX. Their promotion also specifically says " earn a cash bonus... when you open an eligible checking account and complete required activities. '' There is no mention of opening a savings account on all of their promotion brochures, etc... If there is a savings account stipulation mentioned it is hidden in their fine print. 

XXXX. I was told multiple times by Citibank representatives that I qualified for the bonus and that it would be applied to my account with time. I waited over six months from the time I opened the account and then they ended up sending a denial letter. 

I can provide more details if necessary and if Citibank actually records their calls they have multiple conversations recorded of their representatives saying the bonus should have been applied.
Product: Checking or savings account

On XX/XX/2022 my debit card was stolen phone the airport my wallet my luggage. I have called in at least twice since then to dispute the fraudulent transactions that were placed on my debit card. Frost has refused to provide documentation or any prove that they have disputed the transactions correctly. The first time I disputed the represented Said they disputed but I had to call in a second time only to find out there was no dispute on record. After I disputed the fraudulent transactions in XX/XX/XXXX they said that it would take 90 to 100 days to process. Frost refused to provide a provisional credit for the fraudulent transaction. I have lost quite a bit of money in my account and its not fair that nothing is being done as of right now. I had provided proof for the claim I also have documentation from the airport stating that my luggage was stolen. I am very upset because I feel like Frost isnt trying to do anything about it as of right now and I would like this corrected. The provisional credit is needed due to the amount of time that I have to wait and the money that I have lost.
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided.

Due to my information being exposed, I have submitted a FTC complaint reporting the info i am not familiar with.

Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national databreach and a Validation of debt Letter.
Product: Debt collection

CCS of XXXX MA sent a letter stating I owe {$280.00} due to XXXX. I have never had any business with XXXX and sent a letter stating this. The credit collection letters keep appearing. I have never had a XXXX policy in my life. Please stop the scams and fraud. File number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, when I checked my credit score on my banking website, I noticed that my credit score had gone from a score of XXXX down XXXX points to XXXX. I looked at why this had happened, and I noticed that a credit inquiry was made on XX/XX/2023 from XXXX XXXX Bank. I did not apply for this credit card. When I called XXXX XXXX, they were able to identify an application made under my name, XXXX XXXX, but they had marked it 'suspected of fraud ' and didn't proceed with the application. They sent me a letter stating that the application was fraudulent and they were withdrawing the application. I asked them how to get this off my credit report and they directed me to file an identity theft report.
Product: Checking or savings account

As I have been using my banking checking & savings account. I receive a letter from my Bank of America dated XX/XX/18 that they closed my account.Case # XXXX. They told me that they do not need to give me the reason why when I called them and talked to a customer service personnel. So I had to wait for more than 10 days and on XX/XX/XXXX I am still waiting for my money that was left in my account including my XXXX check. They sent me a letter stating it was a business decision is why they closed my account. I feel violated that they just arbitrarily closed my accounts.Now I had to start all over with a new bank & new bank account and had to change and contact XXXX XXXX to change my new account for direct deposit.Its a sad case of affairs the elderly are affected like this. I hope something is done about this.
Product: Credit card

complete compromise of credit cards, including criminal transactions, distortion of contact information, obtaining additional cards by the criminal with the complete connivance and inaction of Capital One bank
Product: Credit reporting, credit repair services, or other personal consumer reports

We purchased a home XX/XX/XXXX. Every payment was made on time. On XX/XX/XXXX my wife and I got XXXX. We have an XXXX XXXX XXXX, the industry shut leaving us no way to XXXX XXXX. On XX/XX/XXXX I applied for a mortgage forbearance. Since I thought it would take some time I went ahead and paid XX/XX/XXXX. The forbearance was approved. Unbeknownst to me they started it in XXXX rather than XXXX, XXXX and XXXX. I didnt need the forbearance for XXXX since it was paid. I have made payment on time every month since the forbearance. They are now showing my account to be 30 days late and are charging me late fees. My credit score went from the high 800 's to the 600 's. My credit is impeccable I have not made a late payment in over 20 years.