23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year>XXXX   and I noticed something are incomplete and accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 e.b 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 A : 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have still items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I am including those items mentioned above. 
Here it is : XXXX XXXX Balance : {$29000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX my XXXX  card had overdrafted while I had overdraft protection. XXXX closed my secured building card XXXX  reported it to 3 credit reporting agencies and I lost XXXX points due to XXXX  inaccurate " credit card closing '' its a prepaid card not credit card. On XX/XX/XXXX I dispute with XXXX  on XX/XX/XXXX XXXX  stated a error did occur in XX/XX/XXXX that caused me to lose XXXX points now I want my points lost and the credit reporting agencies are refusing
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, FL XXXX XXXX XXXX XXXX Inquiries in Dispute : XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX is not responding to my appeal XXXX  about the invalid account
Product: Credit card

I noticed this company reported this account as a charge off, however they never provided me with a copy of the 1099C. They company was suppose to legally send copy of 1099C.Bank of America canceled and forgave this debt with the IRS.

There has been inaccurate reporting on my consumer report as debt. ( 15 U.S.C. 1681 ( e ) ( b ) ). 

BANK OF AMERICA - XXXX XXXX XXXX Opened : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a new checking and savings account with Chase. I tried to deposit money from my old account, but Chase canceled the deposit and locked my account 3 times. They are doing this to avoid paying the signup bonus and charging me low balance fees. I have been to a branch to complete this transaction and was told that they could not make the deposit. I have called in where at one point they expected me to give my social security number over a conference call. They refuse to unlock my account.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding several inaccurate addresses listed on my credit report with the credit bureaus. These addresses are fraudulent, non-deliverable, and violate the Fair Credit Reporting Act ( FCRA ). To ensure my credit report accurately reflects my current address, the following incorrect addresses must be removed : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX The presence of these incorrect addresses violates the accuracy requirements as per the Metro 2 format, specifically relating to address fields which must be accurate and up-to-date ( Metro 2 Base Segment, Fields 8-13 - Address, Positions 66-104 ).

I have made previous attempts to resolve this issue directly with the credit bureaus, but the inaccuracies persist. The incorrect information adversely affects my creditworthiness and can lead to issues of misidentification.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX it was I reached out to XXXX XXXX to purchase a new vehicle my husband and I drove out of our way to make this purchase. We walked away with a new vehicle then a few days later Im getting notifications back to back from my XXXX app that someone was trying to gain access to my credit profile only it was locked but they were able to obtain both XXXX  and equifax profiles. I look and see that XXXX XXXX  XXXX, Ga had used my ssn for over 10 different banks to get access to a loan none of which I gave permission for or did XXXX  mention this. This is unfair and disrespectful I would like all inquiries removed. The dates for the inquiries are from XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received a copy of my credit report, The report had an account listed that are not mine..I have disputed the accounts for months with the credit bureaus as " not mine '' but it recently came back as verified ... I have never had an account with these companies..Please delete immediately before further harm is done XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts currently listed on my Innovis consumer report Case ID : XXXX is fraudulent, not my accounts and is the result of identity theft : XXXX XXXX XXXX Account : XXXX and XXXX XXXX, Account : XXXX, the Requests Only You Can See isnt my inquiries.
Product: Mortgage

Quicken pre-approved a mortgage to me for a home in XXXX on XX/XX/XXXX. As you can see from the letter, " the loan [ was ] formally underwritten and pre-approved subject only to receipt of a satisfactory appraisal, purchase contract and preliminary title report. '' We provided all documents timely to Quicken through our mortgage broker. Initially, we did not file our tax returns for XXXX, as I had submitted my business tax returns for XXXX. Quicken came back and said I actually needed to file my taxes in order to fund the loan, so we did. I owed an additional $ XXXX in XXXX taxes, and Quicken needed proof of payment plan which would take 60-90 days, so we paid out of pocket, in part using credit cards to meet this obligation rather than the lower interest IRS payment plan. 

We extended the loan contingency one week to allow enough time to pay the IRS and FTB, with a new date of XX/XX/XXXX. On XX/XX/XXXX, Quicken informed our broker that they could not fund our loan because the new home was over 75 miles away from my office and I had " travel expenses '' reflected in my XXXX taxes, which they concluded that meant that I couldn't be a remote worker. I drafted a letter of clarification ( the travel expenses were largely the result of two retreats and one pro bono week-long activity ) and Quicken still refused to fund the loan. This was the day our loan contingency was due to be terminated, and the first we had heard of this issue. 

They asked us to perform, and we jumped through hoops, and now we may lose the house because of their changing policies and inability to discuss issues at the onset of the process. They blamed COVID for the changing policy, but we were never informed that they could change policies after we accepted and performed at their request. This is unacceptable, they should not be able to provide assurances that we are underwritten and then pull the rug out for such a silly reason ( BTW, I am XXXX and I work remotely ). I would not have put an offer on the house if I knew that I wasn't really underwritten. This is deceptive. Now that we have already put our 30 days at our rental, we are stuck-and the other lender that our broker identified has a much higher interest rate and we would not have acted pursuant to these terms, but now we have no other choice. Quicken should honor their promises, especially when we already accepted and performed at their request and their assurance.
Product: Credit card

I've had my CapitalOne XXXX card for a while now, I've requested my billing statement with voucher as well as the proper mailing address to send the attached statement payment voucher to and have not heard back, my card was also blocked recently following my request to increase the credit limit to {$50000.00} which was not honored. 

additional context and federal case law : I initiated the above consumer credit transaction with my SSN also referenced by congress as a credit card pursuant 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640, 15 USC 1691e . Further more, pursuant 15 USC 1691 ( a ) Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open ended consumer credit constitutes to discrimination. Pursuant 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything. I have attached links to congressional law for reference. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Ive been with capital one for a long time and my payments have always been on time while also paying more than the minimum required. Back in XXXX I submitted a payment which got returned because I didnt realized that my mortgage company had charged my mortgage and I was a bit short ; I continued by making a second payment of {$700.00} and Capital one never tried to take it out of my checking account. After XXXX days I logged in and after seeing that the payment was never tried I submitted another {$500.00} payment and same thing happened XXXX times. I ended up calling Capital one and one of the supervisors that got on the line called XXXX XXXX with me on the line and XXXX XXXX confirmed that Capital one hadnt tried to get the payments at all after the returned XXXX from XXXX. As stated before that happened 3 times and after I called a second time to have this resolved the agent told me that I could do a payment over the phone free of charge and I told him Id do it over the app. I checked my account and had more than enough money for the payment I had just submitted and the agent told me perfect. The payment will be reflected by tomorrow and we hung up. The next morning I logged in to my capital one account just to make sure everything was ok and i found out they had closed my account because of the previous explained situation. This is unacceptable as theyre the ones that screwed up and not me.
Product: Mortgage

I had a conventional mortgager with XXXX XXXX XXXX, which was purchased by PNC Bank. I had submitted information as part of a class action, whereas XXXX XXXX XXXX   charged minorities higher interest rates.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX Date of inquiry XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX
Product: Debt collection

I am deeply concerned that First Credit Services is in willfully violating my rights under both state and federal debt collection laws. 

I have repeatedly requested that they provide proof of this debt, and it has been XXXX days since my initial request. I spoke to them today and they said they are still waiting for a response from there customer, anytime fitness. 

The issue is, by statute they have XXXX  days to provide this information or they must remove this item from my credit report. They can not just indefinitely report this on my report while they " wait '' for the validation documents. This negligence and mishandling is documented on my end and I am seeking the Bureau 's assistance in holding this company accountable for willfully breaking the law.
Product: Debt collection

A company listed on credit report as VANCE and Huffman LLC has sent out a debt collection notice to me trying to get XXXX dollars from me. I never took any sort of credit or loan from any company under this name and with me having a near perfect payment record it was absurd hearing of this out of nowhere, then threat of legal action towards me and attempts to seize assets.
Product: Credit reporting or other personal consumer reports

I was sent a credit card by XXXXXXXX XXXX XXXX on XX/XX/2022 that I never requested or filled out. I called them immediately and reported fraud. None of the data they had matched me but it was sent to my house. Later I found out that the address was in XXXX TX. I never lived in Texas and don't know anyone in XXXX. XXXX I applied to finance a mower and was turned down. I have impeccable credit or I did, and that is when I found out that there was over {$16000.00} made on a card I don't have. I called the bank immediately and they cancelled the card and sent to their fraud department. They would not connect me to the fraud department and they were supposed to call me back in 2 hours and nothing! Had they done their job when I called them when I received a fraudulent credit card I would not be in this situation. I now have to go through all of this to clear this up with no help from them! They can not tell me where the purchases were made or any proof I made any of these purchases on a card I never applied for or used. I have contacted all three credit agencies. 

XXXX was not very helpful and I don't trust they will resolve this as they did not take care of this when I called when I got the card.
Product: Debt collection

My identity was stolen years ago when I lost my wallet in the parking lot of a theater. I took all the steps necessary to alert everyone of what had happened, however, sometime after this happened I began to get debt collection calls from different agencies. But I didnt know what to do about it, and I was able to get along fairy normal after this. Earlier this year, though, I learned how to combat identity theft. I submitted all the paperwork necessary to the bureaus to let then know what had happened with my identity. Most of the fraudulent information has been removed. However, there are still two accounts on my XXXX report that have not been removed. It has now been about two months since I first sent out paperwork to the creditors and to the bureaus, and nothing has been done.
Product: Credit card or prepaid card

XX/XX/2022 they unilaterally closed my card. Then they added a charge that indicates " refund check '' in the amount of - {$600.00}, I have not received or cashed any check. 

I continually ask them to remove the charge. They said they closed my " old account '' and credited the amount back to the " old account '' which I don't have access to see or use. 

I repeatedly ask them to credit it to the account I DO have access to, if any. Alternatively I ask them to actually issue the refund, they keep telling me to wait and nothing is happening. When I call back they repeatedly have no records of my previous contacts. When I ask for a way to write them in writing, they argue or don't speak XXXX well enough to hold a conversation. Now they're claiming I owe them money in the amount of {$240.00}, when its the other way around, they owe me {$600.00} ( less the {$240.00} balance on the new card ). They advise me " just don't pay your bill then, if you get a late fee we'll just refund it '' ... however it is my position they are holding my money in deposit illegally without interest.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX  XXXX XXXX, XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by Experian, XXXX, XXXX. Experian, XXXX, XXXX has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.