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

On XX/XX/XXXX I pulled my reports and found many federal violations. I understand consumer laws protects me from unfair and unsafe credit reporting practices as such and request that these items be deleted immediately. I also see that Equifax, XXXX and XXXX has not been doing their job as to reinvestigate consumers complaints and disputes. These clear violations are affecting me in a major way. I have displayed and drawn out the inaccuracies i found on these reports and added my state identification and proof of address to this complaint. Please see these these items is deleted and and my personal information is corrected and match my state issued ID. Please delete any account that is not associated to me via my ID given in this complaint. 

XXXX XXXX : BALANCE XXXX {$15000.00} XXXX {$16000.00} DATE OF LAST ACTIVE : XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX DATE OF LAST PAYMENT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XXXX XXXX ) DIFFERENT ACCOUNT NUMBERS ACCOUNT STATUS : XXXX CLOSED - XXXX PAID - DATE OPENED : XXXX XX/XX/XXXX XXXX XX/XX/XXXX DATE LAST ACTIVE : XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX DATE OF LAST PAYMENT : XXXX XX/XX/XXXX XX/XX/XXXX ARRONRENTS ACCOUNT STATUS : XXXX XXXX - EQUIFAX PAID DATE OPENED : XXXX XX/XX/XXXX - EQUIFAX XX/XX/XXXX PAYMENT STATUS : CURRENT ON A CLOSED ACCOUNT HOW? 
DATE LAST ACTIVE : XX/XX/XXXX - XX/XX/XXXX DATE OF LAST PAYMENT : XX/XX/XXXX - XX/XX/XXXX XXXX PM XXXX CREDIT ON A CHARGE OFF IS A VIOLATION DATE LAST ACTIVE : XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX DATE OF LAST PAYMENT : XX/XX/XXXX - XX/XX/XXXX XXXX XXXX FIN DATE OPENED : XX/XX/XXXX - XX/XX/XXXX DATE LAST ACTIVE : XX/XX/XXXX - XX/XX/XXXX DATE OF LAST PAYMENT : XX/XX/XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX HIGH CREDIT ON A CHARGED OFF ACCOUNT IS A VIOLATION WITH A PAST DUE BALANCE {$380.00} DATE LAST ACTIVE XX/XX/XXXX DATE OF LAST PAYMENT IS XX/XX/XXXX FLEXSHOPPER DATE OPENED : XX/XX/XXXX - XX/XX/XXXX LAST REPORTED XX/XX/XXXX - XX/XX/XXXX DATE LAST ACTIVE XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX DATE OF LAST PAYMENT : XXXX XX/XX/XXXXXXXX XXXX HIGH CREDIT ON A CHARGED OFF/ COLLECTION ACCOUNT THIS IS A VIOLATION DATE LAST ACTIVE : XX/XX/XXXX - XX/XX/XXXX DATE OF LAST PAYMENT : XX/XX/XXXX - XX/XX/XXXX CREDIT COLL DATE OPENED : XXXX - XX/XX/XXXX *HIGH CREDIT ON A CHARGED OFF/COLLECTION ACCOUNT DATE LAST ACTIVE : XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX These accounts violates the fair credit reporting act and has caused damage to my life and creditworthiness.

15 usc 1681b - Permissible Purpose of consumer reports 15 usc 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information 15 usc 1692e - False and misleading representation 15 usc 1635 Right to Recission 15 usc 1681e ( b ) - collections must be 100 % accurate across all ( 3 ) credit reports Please find these inaccuracies are a violation and delete them right away.
Product: Credit card or prepaid card

American Express ( AMEX for short thereby ) had an AMEX offer promotion which is to spend {$150.00} or more on XXXX XXXX XXXX XXXX for Business and get XXXX XXXX points, up to 3 times on my AMEX card ending with XXXX. ( XXXX XXXX points eligible in total for this offer ) I participated this promotion, and made three $ 150+ payments on XX/XX/XXXX and XXXX respectively ( which were eligible before the promotion deadline of XX/XX/XXXX ). I got XXXX XXXX points on XX/XX/XXXX, but the remaining XXXX XXXX points has never shown up on my account. 

I contacted AMEX through their customer service chat channel on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking about the XXXX XXXX points. AEMX customer service admitted that this particular XXXX XXXX points has been issued, but never posted to my account, which means that my participation is eligible but AMEX just does not give the XXXX XXXX points to me.

Each time I contacted AMEX, the customer service representative and even their manager would say to submit a request with high priority for their back office people to investigate, but the points never came to my account after I have been waiting patiently and politely for more than 6 weeks from when I started the first inquiry, and for more than 8 weeks from when I made the eligible spending.
Product: Credit card or prepaid card

Close the account and remove the fees associated with an account I never used.
Product: Debt collection

The XXXX XXXX got super violent made threats and yelled and threatened to garnish wages and made jokes about garnishing my wages and hung up in my face
Product: Credit card

Discover IT issuing credit cards based on shady predatory lending practices. Issued me a credit card with a 20 % interest rate and a {$7500.00} credit limit on a poor/limited credit history. Only other credit card I had was a few years prior and was only for {$500.00} which defaulted when I lost my job.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX violated my privacy rights as a federally protected consumer. see attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number :XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number :XXXX  Account date reported : XXXX XXXX Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016, someone without my knowledge or permission used my personal identity to get a mortgage loan in my name. I contacted EXPERIAN and XXXX several times to remove this fraudulent account from my credit file, as this is causing great stress in my everyday life. 

EXPERIAN and XXXX investigates this issue and always report to me that the fraudulent information is accurate and can not be removed. 

I have submitted several police reports to EXPERIAN and XXXX and they continue that the fraudulent information is accurate. 

This is my fifth time disputing this matter and I am the victim of identity theft. A California administrative judge have found that I have been a victim of identity theft, but for some reason EXPERIAN and XXXX refuses to delete this fraudulent account from my credit file. 

Attached with this dispute is ; Drivers License, US Passport, Birth Certificate, Utility Bill and Addresses for Two Years. 

Current address : XXXX XXXX XXXX XXXX, TX XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit card

Starting from XX/XX/XXXX ( XXXX XXXX  ), theres been fraudulent charges on my Macys credit card. I have called multiple times to get it resolved, but each time, they deferred action and asked me to wait for further communication, which I did not receive. After calling in XXXX, they told me the card was on hold. However, this month ( XX/XX/XXXX ), another charge appeared. 

I received a phone number with a reference number that I called. They then told me to wait for more further communication. When I asked how long it would take, they said in XXXX days, which would be after my statement was due. They have told me that already multiple times. When I asked if I should file for fraud with the police or the government, they hung up. Its been over a month and they still refuse to even investigate the fraud charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX and JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX XXXX and JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Prepaid card

XXXX weeks ago I attended an event where I won a XXXX {$100.00} gift card. Over the weekend I decided to use the card, when opening the packaging I noticed the last XXXX digits of the card was scratched off or removed from the packaging and I was was unable to. After looking over the card I see that I had to call to activate the card. I called the customer service team and explained that the last XXXX was missing and I was unable to provide that information. I was told by the rep that without the last XXXX digits they could not activate. They asked I send images along with a copy of the receipt. I explained that I did not purchase this card and would not be able to obtain this. I was told that my case would sit pending until I provided all documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan was sold, original lender is still reporting debt as owed, as well as the new lender. My balance is around XXXX but my credit report lists XXXX in personal loans which is affecting my ability to get a car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Urgent Dispute of Erroneous Account under FCRA Section 611 15 USC 1681 Dear Sir/Madam, I am writing to dispute an erroneous account that has been on my credit report since XXXX, stemming from a time when my personal information was stolen during the pandemic. Despite multiple attempts to rectify this issue, I have received no assistance or resolution from your company. 

This inaccurate account has caused repeated credit denials, significant financial hardship, and even contributed to personal and family distress, including a divorce from my wife of 6 years and other challenges with my child. 

Under FCRA Section 611 15 USC 1681, I have the right to accurate credit information and to dispute any inaccuracies. I urgently request a thorough investigation into this matter and the immediate removal of this account XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX from my credit report. 

Please act promptly to address this situation and provide me with updates on the progress of my dispute. I expect a resolution within the timeframe mandated by law the stress level and distress I have acquired over the last year is taking a toll on me. 

Your immediate attention to this matter is greatly appreciated.
Product: Debt collection

Mr cooper is collecting a debt not owed by XXXX XXXX by attempting to seize her property and mine that we hhave owned for over 15 years. They have provided NO VALIDATION NO VERIFICATION of DEBT, it is not owed by us the bank needs to collect from the debtors XXXX and XXXX XXXX XXXX for that debt that is not ours. Cease collection activities form an innocent senior just because you can play a tactical legal trick on a defenseless womna does not mean you have to abuse her It is the law not to do that. it is protected under usury law and under FDCPA We tried to work with you in good faith and all we got is deceit
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 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

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states : a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$230.00} ; XXXX XXXX  ( XXXX : XXXX XXXX  XXXX XXXX Balance : {$230.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX/XXXX  XX/XX/2022 ; XXXX XXXX  XXXX/XXXX/XXXX  ; XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX ; XXXX XXXX XXXX XX/XX/2022.
Product: Bank account or service

My checking account was defrauded on XXXX/XXXX/XXXX. Someone stoled my debit card and deposited counterfeit checks, I reported it to the fraud department the same day and was told a form would be mailed. I received the statement on XXXX/XXXX/XXXX along with letters saying my account was closed and they sent me to check systems and i had 10 days to fax fraud statements which when received i had ine day to get it faxed. Then that was first claim the second claim i never recso i finally. received on XXXX/XXXX/XXXX which I faxed and in XXXX/XXXX/XXXX. I was granted provisional credit for {$200.00} and my account was overdraft ed by {$4300.00}. My account was closed. on XXXX XXXX and they forced my XXXX depisit and are keeping it no provisional credit yet and they are not going to release any money. I followed all rules of reg e
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred despite having sufficient funds when transactions were authorized I was charged lagged posting of charges and credit this issue alliance with the most recent CFPD findings with Navy Federal for similar practices for transactions settle with sufficient funds in account. I believe these practices are unfair. And request an investigation on my account Transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed these items numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these items from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX
Product: Credit reporting

I originally disputed an error on my Transunion credit report on XXXX XXXX, XXXX where they were showing a XXXX account as a collection account. I am a XXXX customer and I originally verified with XXXX that this was an error in reporting, they agreed, and told me to dispute the error with Transunion. Transunion never responded to me within the 30 day time limit as required by the Fair Credit Reporting Act. I sent Transunion a follow-up letter on XXXX XXXX, XXXX and they never responded until XXXX XXXX, XXXX! As per FCRA I want the item XXXX reported and that I disputed removed permanently from my credit report since Transunion did not respond to my original dispute dated XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a loan with XXXX XXXX on XXXX XXXX, 2019 for a loan payment of XXXX every month. I paid mostly through credit card via phone weeks before the loan was due typically the last day of the month ie if it was due on the XXXX I paid on the XXXX. Starting in XXXX they no longer took credit card payments and only would take checking. I called a called XXXX and put my checking account on file then I would go online and pay via the checking account. The problem was the representative put my account number in wrong. XXXX did not notify me of this problem and I paid for two months, I thought. I fact I suspected something wrong and talked to a representative who told me yes, in fact the payment went through. This week I got an alert via XXXX XXXX XXXX was not taking my payment in fact reported that I am delinquent not only charged me a fee but my credit has now been hit with its first ever missed payment. I called XXXX to fix the situation but the representative blamed me and later hung up on my call. Not only did XXXX make the process to pay harder but blamed me when I made payments in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions I sent, registered mail with a police report from the XXXX XXXX XXXX XXXX in conjunction with the federal trade commission report and lastly my dispute letter. I disputed over the phone I have disputed online and through registered mail. Equifax is the only one reporting this inaccurate information and they refuse to honor my humble request although I have been victimized by identity theft. Please help me. XXXX XXXX. Equifax has horrible customer service and very disrespectful there business practices are unacceptable. I'm ready to take this credit reporting company to justice. Equifax has proven themselves incompetent and ultimately forced me to file this report. I tried to resolve on my own but they refuse to adhere to the police report ftc report and have totally disregarded my diapute letters. I have disputes this inaccurate item four times
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$120.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The Bank Regional Acceptance has different contract dates in their database than showing on my orignal agreement. In addition to this after reviewing this contract, my signature is not present in all places required. When visiting the orignal dealership where purchased, the finance team and managers were totally confused and stated that I should contact my attorney. I am requesting that this loan be removed from my credit file as dates and the overall numbers of the contract are conflicting. Regional acceptance is showing XXXX payments remaining and no term in months. Please remove from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. So I made a police report and submitted it to Experian and the other credit reporting agencys. Then the next day experian emailed me back saying my police report was fraudulent. Which is not true. My police report is not fraudulent I went to the police station and filed my report and got a copy of the report. And that is what I submitted to them. Them accusing me of fraud is very hurtful and insulting. I was so shocked and disgusted when and offended when I saw that email response from experian. I am attaching a copy of the police report and a copy of the email to this complaint.