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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, LA XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2700.00}, XXXX XXXX  XXXX Balance Owed : {$52000.00}, XXXX XXXX XXXXXXXX Balance Owed : {$7100.00}, XXXX XXXX XXXX XXXX XXXX Owed : {$14000.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

Equifax is reporting incorrect information on my credit report in reference to an account with XXXX XXXX. According to the terms of the contract this account went thirty days past due XX/XX/XXXX and was never current from that point forward. XXXX XXXX is not disputing this ; please see attachment enclosed. XXXX XXXX is attempting to age the debt through internal reporting practices. Any changes in the terms of the contract must be in writing and I did not consent to any special deferment program that allegedly brought the account current XX/XX/XXXX. I request written documentation changing the terms of the contract. If XXXX XXXX is unable to produce written documentation expressing my consent to changes in the terms of the contract then they must adjust the date of delinquency to XX/XX/XXXX. These internal reporting practices are a way to age the debt and are a violation of the Fair Credit Reporting Act. This account went 30 days past due more than seven years ago and exceeds reporting limits.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Compromise of Personal Information in XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally lodge a complaint concerning the compromise of my personal information during the XXXX XXXX XXXX, which occurred between XXXX and XX/XX/year> and was publicly disclosed on XX/XX/year>. 
XXXX As a result of this breach, my sensitive personal dataincluding my name, address, Social Security number, date of birth, and driver 's license numberwas exposed. 
XXXX XXXX Since the breach, I have experienced significant damages, including : XXXX XXXX  accounts : XXXX XXXX  compromised and {$10000.00} missing out of account. Chime did not protect me at all. After submitting all necessary paperwork required for a liable claim. They continue to deny due to the unauthorized use of my complete and entire credit file info was used to make these transactions. Due to Breach. 

Credit Damage : Unauthorized accounts have been opened in my name, adversely affecting my credit score. Despite my efforts to dispute these inaccuracies, my creditworthiness remains compromised. 
Emotional Distress : The ongoing threat of identity theft has caused me considerable anxiety and stress, impacting my daily life and well-being. 
Financial Losses : I have incurred expenses for credit monitoring services and identity theft protection to safeguard my personal information. 
I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to address the negligence exhibited by XXXX in protecting consumer data. I also seek guidance on any further steps I can take to mitigate the impact of this breach on my personal and financial well-being. 

Thank you for your attention to this serious matter. I look forward to your prompt response
Product: Credit card

I originally opened this account on XX/XX/XXXX. I realized that my address was entered in incorrectly and called on XX/XX/XXXX to get this resolved. On my phone call with this company I was told that they could update my address with no issues but I would have to wait until XX/XX/XXXX to order a new card. Out of an abundance of caution, I waited until XX/XX/XXXX to reorder the card. The card arrived and was activated on XX/XX/XXXX. I went to use the card on XX/XX/XXXX and the transaction was declined. I called and was informed there was a fraud hold put on my account and I would either need to fax in or mail in a copy of my ID and it would be XXXX business days for them to process this to release the fraud hold. 

I was told during my phone call on XX/XX/XXXX that of I followed their very specific instructions no fraud hold would be put on my account, and here we are.
Product: Credit reporting, credit repair services, 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 DP OF EDUC Account # XXXX XXXX XXXX  Account # XXXX DPT EDXXXX Account # XXXX DOE XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Has violated my privacy 15 U.S.C 1682 section 602 A states I have the right to privacy 15 U.S.C 1682 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX : {$2400.00} XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

Wells Fargo Bank ... ... ..I had an checking account with Wells Fargo , stop direct deposit and had all my automatic payments stop from their bank. For some reason they continue to charge me overdraft fees, then closed my account ... ... this been about 4 months ago, now on X/X/2017, they closed my savings, due to no activity and a XXXX balance ... .but allowing me to keep my credit card account ... ...
Product: Credit reporting or other personal consumer reports

I requested and invesitigation into account no.XXXX the the information is being reported inaccurately and I want a reinvestigation as is my right. it isn't my job to do the investigation for you review the reports that's being reported and investigate it, I'm not required to provide you with specific items as it is you duty under the FCRA complete that task. you have the account number and I'm asking you to investigate it.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX BANK, XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX Inquiry : XX/XX/2022 JPMCB - CARD XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and equifax are reporting an unverifiable bankruptcy on my credit report in the amount of {$0.00}. Every time I call XXXX, XXXX, and equifax to dispute the bankruptcy they always tell me that they verified it through the courts. I went to the louisiana bankruptcy courts to see if that was true and they insured me that it was not true. The louisiana bankruptcy clerk informed me that the courts do not verify nor validate any information to the credit bureaus. She also prepared a letter to send out to me so I could have it in writing. When I called equifax and XXXX to inform them about the incorrect information they told me. They said they verified it through pacer so I emailed pacer to see if they verified anything and pacer also respond to my email stating that they do not verify anything, I will attach the email to this complaint. After getting the email and calling the XXXX to follow up with the bankruptcy dispute the guy who answered my phone call was foreign so I couldnt understand him so I asked for the u.s special handling department. A supervisor in the u.s department took my call and told me she couldnt tell me exactly how it was verified. I informed her that she was violating the FCRA laws by keeping that information from me. She then told me they may have verified it through XXXX so after talking to her I emailed XXXX to ask them how do they verify bankruptcies. They said they verified them through the courts, i then emailed XXXX back and informed them that I had spoken to the courts and they do not verify bankruptcies. When XXXX emailed me back they did not respond directly to the message they had me to call them. Upon calling XXXX and explaining why I got in touch with them they told me that was incorrect information and that they do not have the right to verify bankruptcies. XXXX, Equifax, and XXXX have constantly lied to me about the bankruptcies and gave me false information about verifying the unverifiable bankruptcy. XXXX, equifax, and XXXX are in direct violations of the fcra. Equifax, XXXX, and XXXX is reporting the unverifiable bankruptcy through hearsay of some sort and that is also a violation. XXXX, equifax and XXXX can not continue to violate my rights.
Product: Debt collection

I found out from the credit reporting bureaus XXXX, XXXX and XXXX XXXXhat there was a negative account under " LVNV Funding LLC '' under account number XXXX. Resurgent Capital Services/LVNV has failed to provide any legal validation or a dunning letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have sent several letters, including notarized formal validation letters seeking this verification and to this date Resurgent/LVNV has failed to provide the information requested. Resurgent/LVNV is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue isn't resolved immediately.Resurgent/LVNV Funding has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that LVNV Funding has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that Resurgent currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither LVNV Funding or Resurgent Capital Services possesses adequate documentation to collect this alleged debt. In order to provide proof that this is a legitimate debt of over 7 years and they have the right to collect this debt.Until the above referenced documentation is provided, the undersigned 's position is that this debt does not exist and a reporting error has occurred. Finally, unless this documentation can be provided, Resurgent/LVNV Funding shall immediately remove this account from all three ( 3 ) credit reports and shall be subject to any and all costs, including attorneys fees, should I pursue this matter further.
Product: Checking or savings account

Hello CFPB, recently filed a fraud claim with Ally bank because i lost my debit card and they basically closed my account and refunded me {$24.00} out of the XXXX that was stolen from my account. All transactions happened at the same merchant, same time of day but they only credit me the {$24.00} from the fraud transactions and proceeded to withdrawal the other credits from my account. Not sure how this even makes sense when every single transaction happened at the same place literally. 

This banks customer service is actually really good but this is obvious fraud that needs to be looked at again, i refuse to let this go.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a certified letter to XXXX last month requesting verifiable proof ( an original consumer contract with my signature on it ) for a few accounts listed. I received the results of my dispute report yesterday with no proof at all stating its verified. These accounts/creditors have reported on my XXXX report and have also failed to provide any documentation as well. I would like for this matter to be resolved as soon as possible.
Product: Credit card

I have applied for Chase Freedom credit card and was denied because " Too many credit cards opened in the last 2 years. '' I feel this is a discriminating policy against divorced people ( I got divorced last year ). During a divorce the parties are forced to close credit cards that are issued on both names and open new cards with de-novo credit inquiry and credit check. There is no way around it, the accounts have to be closed and new credit cards ( CC ) have to be issued. Even though I have had another CC with Chase for 10 years with no late payments and no carryover balance ever on the account and even thought I was approved for house refinancing twice after the divorce and was approved for about XXXX CC, Chase had denied my application. When I called to depute the issue, I got to talk to XXXX ( the senior support specialist ) and he was no help. He kept putting me on defensing by constantly asking why do I feel that Chase discriminates divorced people. Instead of giving me any solution to the situation I was forced to defend why I felt the way I was. XXXX did n't tell me when I can reapply and what is an acceptable amount of CC that could be opened in the past 2 years. I feel this is an unfair policy that is discriminating against divorced people, and yes I know that Chase was n't notified of my divorce, but anyone knows that divorced people will have too many CC opened in their name right after the divorce, and I do n't know about another group of people that is going to have a lot of CC opened in a short period of time. So, yes, this policy is discriminating. There could be better parameters used to avoid such a discrimination and still provide Chase with " credit safe '' customers. If I was approved for refinancing my house twice during the past 2 years, I do n't think getting a CC should be an issue, I did n't ask for a particular credit limit or credit transfer, which I never use. So being denied really feels like a discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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, GA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$630.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX & XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$360.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$210.00} ; US DEPT ED XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXXXXXX XXXX : {$270.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$400.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

XX/XX/2023 I received a call from PNC XXXX Credit Card Security stating that a fraudulent purchase had been attempted on my card. The agent said the card was cancelled and they would send a replacement card in XXXX weeks. I protested that waiting that long would be a problem, I wanted the card overnighted. The agent said they'd send it via XXXX and I should have it within XXXX  days. As of today, XX/XX/2023, I have not yet received the replacement card. I attempted to log onto PNC XXXX online account and could not. They wanted to set up a new account, but the id number they emailed kept being rejected as invalid. This went on at least XXXX  times. I finally found and called the Customer Service number ( XXXX ). I explained the problem to the agent. He said my replacement card was still " being " processed '' and it would be at least XXXX weeks before it was sent out. I asked that, when the card was ready, that it be sent overnight. The agent said overnight was cut off. I said I was in a bad situation without a credit card. The agent said, in effect, that that was too bad for me. He blamed the credit card manufacturers. I was lied to by the first agent, and not helped at all be the second. This is not acceptable treatment for a customer. PNC cancelled the card, through no fault of mine and then simply stonewalled about making the situation right. Not acceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries tha need to be removed Include : XXXX XXXX, XXXX XXXX, XXXX, Equifax Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023, someone took out a personal loan with Goldman Sachs in the amount of {$4500.00} and paid off XXXX credit cards. On XX/XX/XXXX I was contactedy by XXXX about a credit alert so I contacted XXXX and disputed the claim, but the person was still able to get the loan through Goldman Sachs. When XXXX contacted me again on XX/XX/XXXX that the loan went through I immediately went on to all XXXX credit bureaus and disputed the loan and locked up my credit. On XX/XX/XXXX I spoke with XXXX again and followed up with the dispute and they helped me contact Goldman Sachs to dispute the loan with Goldman Sachs. Goldman Sachs also said they flagged the account on XX/XX/XXXX as fraudulent. On XX/XX/XXXX I am going to my local police department and I will file a complaint with them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a compliant from XXXX which is attached. I received notification from XXXX first then the others that they were removing the fraud from my account. These are still on my credit report and are drastically reducing my score. The only inquires I should have are listed below, the rest need to be removed. This is not the first time I have had to dispute and as soon as CFPB states it will be fixed the credit reporting companies do not do as told. Please get these removed from my credit and restore the points that keep getting taken. I can not do anymore on end expect dispute again and now I have where they have to contact me before running my credit. My local police have been contacted again also and added to the report. I HAVE BEEN TOLD THESE WILL BE REMOVED AND POINTS RESTORED PLEASE DO SO, This has been the most experience and I have been totally violated and feel unprotected Good Morning! What a mess I have. I have worked very hard to get my credit in good standings and not have inquiries on my credit as well. Here to find out I have been involved in the XXXX  Breach and I have also had my Identity stolen. I discovered this when I purchased a car in XXXX and seen all the fraud on my report. XXXX Police has been wonderful and stated you can call to confirm as this person has even used my ID to get me a speeding ticket. So all this falls under police report # XXXX. With all I have been going through with this I need all the listed removed and my credit score increased back to where it was. I have not requested all these on my report since I opened my last credit card. I know have a credit monitoring on my as I was alerted there was 2 new ones added this morning. Please see the police report and remove all these as they are truly affecting my credit and score. Thank you in advance : ) XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX Plus there are about 100 soft inquries