23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Capital One 360 bank allowed for transactions to be approved by unauthorized users. I was at my home in XXXX during the times that charges were made to my account in XXXX and so far I have found two names that do not have authorization to use my card. One was " XXXX XXXX '' and the other was " XXXX ''. The first one made a reservation at a casino/hotel and when i called them they sent me an email appologizing saying that it was indeed a fraudulent charge. There were other charges approved for a Helicopter tour to the tune of {$1200.00}. Along with that the rest of the charges were for dinners, XXXXXXXX XXXX XXXX XXXX XXXX 

When I call CapitalOne to dispute the charges they told me it would be 10 days for them to investigate. When that ten days were up they denied my claims of fraud saying that it was in line with my spending habits. I do not use other people 's names when I charge my credit card. Also, i have provided them proof of my whereabouts during the times of the transactions. I actually have a charge on my account that happened at the same time whoever stole my card number was in an XXXX in XXXX. They have been absolutely rude and obnoxious to the point that when I said I will be leaving the bank the Customer Service supervisor said, " Whatever '' I am currently tracking down and reporting these fraudulent charges to the vendors that were on the transaction list. I still have not received any money back from the bank that let someone, who was NOT me use my card fraudulently. Please feel free to contact me for more information as it is a lot to type up. Thank you
Product: Mortgage

In XX/XX/2021, my husband and I started the process of securing a line of credit/equity loan on our home. We decided to work with Regions Bank as I had a prior relationship with them. I was specifically working with XXXX XXXX, underwriter, XXXX XXXX and XXXX XXXX XXXX was also involved in the process. 

There were multiple communications by phone and by email. At some point we were notified that that we were in the final underwriting stage and then all communication just stopped. This took place from approximately XX/XX/2021 - through about the end XXXX, end of XX/XX/2021. 

After communication stopped - both by phone and by email, I made a final reach out to determine what happened and was advised by XXXX XXXX that our application was denied. I stated that we had not received official documentation outlining the reason for our denial. XXXX promised to follow up with me from their underwriting team and that a letter would be sent. A letter was never sent and has never been received. 

We subsequently obtained a equity home loan from XXXX XXXX XXXX as of XX/XX/2021. 

Can the CFPB assist in helping us obtain the official letter outlining the reason for our denial? I do not want any hard checks on my credit report, just to have an understanding why this is. 

Additionally, in and around XX/XX/2021, I requested a credit limit increase on my credit limit on my Regions XXXX Card and avail myself of the multiple 0 % offers they provide as my balance was down to {$0.00}. Both of these were denied after hard credit pulls with no letter stating why the credit increase or the offers were denied. 

Isn't this in violation of the Fair Credit Reporting Act?
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 right to privacy and confidentiality under 15USC 1681 Can not furnish an account with out my written instruction. I gave no instruction for these accounts to be furnished to other agencies. Futhermore, there are tons of inaccuracies in my credit reports from 3 bureaus Experian, XXXX and XXXX. Accounts listed as open when are closed, accounts with inaccurate account numbers as well as Dates accounts opened. Collection accounts that were deleted but reinserted without NOTICE to me ( the consumer ) 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 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  NONE OF THESE ACCOUNTS ARE FULL ACCOUNTS, THEREBY, THESE ACCOUNTS ARE NOT LISTED AS ACCURATE AND IN COMPLIANCE with the FAIR CREDIT REPORTING ACT 15USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account Derogatory remarks from all three credit bureaus Equifax last payment date : XX/XX/XXXX XXXX last payment date : XX/XX/XXXX XXXX last payment date : ( sometime in XXXX of XXXX ) ( charged off in XXXX, XXXX, XXXX XXXX ) This is an issue for me because not only are the dates between all three credit bureaus different, but XXXX also has my account being charged off in three consecutive months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter finance did not report the GAP Insurance company XXXX prorated payment of {$650.00} and received the check by mail.
Product: Credit card or prepaid card

In XXXX of 2017 I received a Kroger credit card from US Bank that was suppose to provide a XXXX XXXX fuel credit once you use XXXX fuel points for the 1st year. After my 1st statement I noticed I was not receiving this reward after using XXXX fuel points many times. So I contacted the bank and they indicated I did not have this reward associated with my card. So I sent them all the information and the bank sent me a response on XX/XX/XXXX indicating my account would receive the described fuel discount for the 12 months from the date of account opening. I noticed I still did not receive the credit and asked the store - they told me to contact the bank. I contacted Kroger again and the bank again and the bank said I did not get this reward AGAIN. Kroger just emailed me and indicated I have to put in a number on the back of the card - WHICH IS NOT IN WRITING ANYWHERE. So needless to say I did not get this benefit for 5 months.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Checking or savings account

Ive called Bank of America numerous times and went over the status of my account with them before they decided to close it saying that I owe them over {$600.00}. I dont understand why this is happening to me again. I already was a victim of identity theft and i believe i submitted my identitytheft.gov complain number. Im just lo looking to get this resolved with Bank of America as soon as possible as they have now reported me to check systems and XXXX cant even open up a new credit union account.
Product: Debt collection

In 2016 I went to a school to learn truck driving for my business, XXXX driving school for my XXXX. 
I was told that upon graduation they would sell me a truck and that I would be an owner-operator making 85 % of the profit of the load. 
When I went to driving school we were supposed to learn how to drive both a manual and automatic, we were supposed to learn all XXXX Regulations, we were supposed to learn how to tie down freight, we were supposed to learn everything there was about safe and proper operations of a truck. 

About 2 weeks into the school I kept telling them I needed to learn to manually shift the trucks at which time I was told that once I got out of school I would learn the ins and outs of the business. I started asking questions because every test we had was open book, we were not doing anything in the classes to learn any regulations and was told that once we came out of the school our teammate would train us. I explained I was not there to be a team I was there to be an independent owner. 
So it was explained to me that would be something I would deal with recruiting with once I got my XXXX. 

So the whole time I was in the class was spent on a shifting pad in XXXX gear and reverse and we were never trained on the open road. We did not learn any DOT regulations, we did not learn anything. 

The first time I took my driving test I failed because I did not know how to use a stick shift, I was never took out to learn the proper way to shift a truck and the second time I took the test the instructor told me because I was worried I would fail again to just stay in low gear, act like traffic was too thick to go any faster and that the man testing me would shift the gears if I had issues so that was how I graduated. 

When I was issued my license I kept telling them I not comfortable driving the truck because I did not know any of the DOT regulations because all of the tests we did was open book and we was never schooled in any of them and was told just to mark the right answers which was already outlined in the test books, how to slide tandems, how to drive on the roads and they told me that was something I would be trained for once I got my on the road trainer which I never got they continued to delay me in coming to work. 

I finally got tired of waiting and went to another company where I had to go out with a trainer for another 4 weeks because I didn't even know the basics of driving a Semi.
Product: Student loan

My parent and I had settled a private student loan with the private student loan servicing company Navient in XXXX. Since the settlement, we had not received any further communication from Navient until recently XX/XX/XXXX from different sources regarding the information on the same accountXXXX XXXX XXXX is a third party debt collector who obtained unsolicited personal information on my co-signer and contacted them regarding a settlement that has already been resolved and paid in full and no longer owed for the student loan from an unknown company with the phone number XXXX. An additional source has obtained my personal unsolicited information claiming the same Navient account and debt have been forgiven as part of a class action suit from a company called XXXX from phone number XXXX who claimed to obtain my information from a Database. 
The company called and left an automated message regarding a class action lawsuit for my loan in which it has been forgiven. Upon further investigation, this was found to not be confirmed. 
I and my borrower have not opted in for any information from these companies and it appears our information has been compromised, misrepresented, illegally obtained or shared by Navient, in addition, to incorrect reporting to these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( XXXX XXXX XXXX XXXX XXXX ) I have contacted creditor XXXX XXXX to update new address please remove. There should only be one address listed on my report, which is { XXXX XXXX XXXX XXXX XXXX, AZ XXXX }. I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Please remove inaccurate numbers as well as listed below : XXXX. XXXX Once you have deleted the inaccurate names, addresses and numbers from my credit report, please send me a copy of my updated report. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, a {$15000.00} collection from CKS Prime Investments started. I paid it off, reaching {$0.00} XXXX XXXX says XX/XX/XXXX, XXXX say XX/XX/XXXX, per my XX/XX/XXXX report. Despite payment, its still listed as a collection on all three bureaus with no payment history. In XX/XX/XXXX, I asked CKS for validation and payoff proofgot no response. This has hurt my credit since XXXX, contributing to denials from all major credit cards by XXXX and forcing 158 % interest loans in XXXXnormal credits impossible. Disputed XX/XX/XXXX, unresolvedsee reports.
Product: Debt collection

I have received XXXX phone calls and XXXX email from a company called Financial Credit Network Inc based in XXXX, CA. 

The agent on the call claimed that I had an outstanding amount between $ XXXX originating from unpaid Energy bills. However, the name of the energy provider they quoted ( " XXXX XXXX XXXX '' ) is not my provider ( " XXXX '' ). I have an ongoing payment plan with my actual provider, which I pay consistently, and have not been contacted by them about any other outstanding charges. 

I gave the agent my email and asked them to send me the details. The email I received was vaguely worded, and described a PDF attachment which was not present. The body of the email was not plain-text, but was actually a clickable image containing a link. I clicked it and then closed immediately, as it showed up as " unsecure '' in my browser. 

The agency has called me once more since the email, mentioning that they would need to take action if I don't respond to pay the amount.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of institutions below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Creditor Account # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Agencies have violated my rights. 

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. 

Please help me with these inaccuracies because they are stopping me from being able to get jobs that i have recently applied for. I am currently unemployed and i have had to give on great opportunities that could lead me to living a better life for me and my family. The possibility of me ever becoming a homeowner is becoming a greater threat as time passes.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX, and Experian regarding the inaccurate information on my credit report. Despite multiple attempts to address and rectify the inaccuracies, no action has been taken by the credit bureaus in question. 

The disputed items on my credit report include the following : XXXX : 1. The inquiry was not authorized. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Please explain and verify how you obtained this information. All payments were made on time. See attached report from Department of Economic Security. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX : 1. The inquiry was not authorized. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Please explain and verify how you obtained this information. All payments were made on time. See attached report from Department of Economic Security. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Experian : 1. The inquiry was not authorized. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Please explain and verify how you obtained this information. All payments were made on time. See attached report from Department of Economic Security. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

I have made two attempts to request the credit bureaus to delete the inaccurate information through written disputes, providing supporting documentation to substantiate my claims. However, despite my efforts, there has been no resolution or corrective action taken by the credit bureaus to rectify these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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

On XX/XX/2022 i recieved a notice on my XXXX app for a inquiry for XXXX XXXX XXXX XXXX On XX/XX/2022 I called XXXX BK which is who requested the inquiry at XXXX with my concerns. They suggested that i go get a police report to make a fraud report. But also informed me that no account was approved. I went to police station to make claim. And the police informed me that if no account has been open, then theres no crime of fraud. On the credit report it shows the address used and it was XXXX XXXX XXXX XXXX Illinois. I further reserched that address and it doesnt even exist. Theres XXXX and it jumps to XXXX for some odd reason. But I never lived there. A few weeks later i recieve another alert for US bank on XX/XX/XXXX in which i didnt do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint before but my aunt used my email. I believe there was some confusion. I am resubmitting it. This account does not belong to me. My XXXX XXXX ID XXXX. This accounts does not belong to me. My XXXX child   was born in XX/XX/XXXX and prior to that I was XXXX. 

1 ) XXXX XXXX  XXXX  XXXXt XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX {$0.00} Balance Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  REMOVE THESE FRAUDULENT ITEMS IMMEDIATELY PLEASE. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NJ XXXX XXXX There are old items on my report that I demand you remove at once in order to comply with the 15 U.S. Code $ 1681c-2 and 15 U.S Code 1681b. 

XXXX  XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX  XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX XXXX - This is paid as agreed and should not be reporting negatively on my report. 


Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ, XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The personal data reporting is inaccurate. 

XXXX XXXX - XXXX - The term that is being reported is reporting inaccurately - This was paid as agreed and should not be reporting a charge off on my report at all. 

XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXXXXXX XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting.

15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY.
Product: Debt collection

Hello, I have reached out to Convergent several times to remove this collection account. Neither time was this company able to validate it but the account remains on my credit report. When I asked for a signed contract that is required, they were unable to provide it. They have only sent me a bill. This is not what I asked for and does not validate anything. Please have this issue resolved. If a signed contract can not be provided the debt must be removed immediately.