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

Subject : Request for Investigation and Removal of Unauthorized Accounts and Inquiries on Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX [ XX/XX/year> ] Consumer Financial Protection Bureau [ XXXX XXXX XXXX XXXX, IOWA XXXX ] Dear Sir/Madam, I am writing to file a formal complaint regarding the unauthorized addition of several accounts to my credit report by XXXX, Equifax, and XXXX. I believe that these actions constitute a violation of my consumer rights under 15 USC 1621, and 1608, as the accounts listed below were added to my credit report without my written consent : XXXX. XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I request that all these unauthorized accounts be not only closed but entirely removed from my credit report as they lack my permission or consent and do not pertain to me. Additionally, I would like to request the removal of the following hard and soft inquiries from my credit report : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I kindly ask the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to rectify the violations of my consumer rights. Your assistance in resolving this issue will be greatly appreciated. 

Thank you for your attention to this matter. 

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

In accordance with the Fair Credit Reporting act 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 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
Product: Credit card or prepaid card

On XX/XX/XXXX, I was shopping at XXXX XXXX XXXX in XXXX, CA. I was shopping for gifts for my daughter XXXX 's XXXX Birthday which is today. I went into American Eagle. I noticed that the store had changed. The registers were now in the back. This is similar to many stores during COVID-19. There was a helpful girl who picked out two pairs of jeans for me for my daughter and I stood in line to wait to pay for them. It had been awhile since I had shopped there. I used to shop there a lot! The retail clerk who rang up the purchase asked for my phone number for rewards. I gave her my cell number that I have had for a long time ( 20 plus years ) XXXX. This cell number immediately brought up an email on the transaction screen for me to verify. The email wasn't my email. The email on the screen was : XXXX. I told her that it wasn't my email. She said, " You can change it at home on the website. '' I said, " Okay. '' Then, she asked if I wanted to sign up for a RETAIL only credit card for AE. I told her and showed her my AE Visa card. She said this is a RETAIL card for AE only so it's different. She said if I applied and was approved, I would get {$20.00} off the purchase today. I said okay. So, I entered my Social Security # and income into this same transaction screen that had an unknown email and I was approved. When I got home, I immediately went to the AE website. When I entered my cell number, it said I had an account but none of my known emails worked to access the account to change the email. When I entered XXXX which was associated with my cell, I could not get in b/c it wanted me to verify that email and it's not mine. At home, I noticed that my AE Visa had expired in XXXX and they never sent me another one. I also noticed that it wasn't a Retail Card at all ; it was another AE VISA ( see receipt ). This is fraud ; and I reported this to XXXX Sheriff and now I'm reporting it to you. If we can trace who created XXXX we can track who committed this fraud.
Product: Debt collection

On XX/XX/XXXX Alliance One contacted me, by mail without my permission. In the contents of the mail was a letter stating This is an attempt to collect a debt, and any information obtained will be used for that purpose. Which is a Violation of my consumer rights under 15 USC 1692e ( 2 ) ( a ).

Within the same letter, were 12 other violations of my rights as a consumer under 15 USC 1692 which have been labeled and attached as proof. 

On XX/XX/XXXX I sent Alliance One a Cease and Desist, Affidavit Of Truth, an Exhibit with all violations labeled, and a Invoice. Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the Original Creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Debt collection

Midwest Recovery Systems LLC has opened an account using my information to report misleading and inaccurate information on my credit report. I have never entered into any contract or signed any documents or made any agreement with this collections agency. They have no right to furnish any information on my credit report. I never gave them any permission. Also, I sent a debt validation letter to them and they have not sent a valid response. They should be shut down! They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and making it impossible for me to obtain credit. Please remove this account from all 3 credit bureaus, XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : 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: 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 a fee due to lagged posting oof charges and credits. This issue aligns with the recent CFPB findings against Navy federal for similar practices where transactions settles with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts listed below has violated my civil rights : XXXX XXXX XXXX XXXX : {$100.00} Opened : XXXX XXXX 15 U.S.C 1681section 602 A. States that I have the right to privacy.

15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

I was extended an offer by American Express to get a " Blue Cash Everyday '' card with a {$200.00} rebate bonus ( as a statement credit ) after spending {$1000.00}. 

However, they only gave me a {$100.00} credit when I reached that spending level. When I called in on XX/XX/XXXX, they insisted that my offer was only for {$100.00}. When I provided the details of the offer to them, the opened a case and said to give them 10 days to investigate it. It 's now been well past that and I am now being told it might be 6-8 weeks. 

This has gone on far too long for an error that should have never happened in the first place. I certainly would n't get 6-8 weeks to fix an error in my payments without repercussions.
Product: Checking or savings account

I received a letter from Chase dated XXXX XXXX stating that they will close all my accounts ( debit card with checking and saving account ), and 2 credit cards. I called customer service to find out the reason for closure but they refused to answer and said to go to the local office. I went there the next day and they refused to answer what was the reason. I was told to take my money off all my accounts before XX/XX/2020. I went to the other two offices to see if they can give me an answer of why my accounts are getting closed, but they refused to answer and added a note that if I come to the bank again, they will not talk to me any more. I didn't get any warning letters and was extremely careful with my accounts as I was in the process of buying a house I didn't make any big purchases, paid off my credit card and my 2 jobs were sending direct deposits to this account. In fact, I was a customer in Chase for over 10 years and never had any issues. As a result, of the described above events, my credit score dropped and the mortgage broker wasn't able to give me enough money to buy the house. Also, other banks refused to give me a credit card since my credit score was so low.
Product: Debt collection

My account with Citibank went into collections I believe in XXXX or XXXX and was purchased by a collection company that is reporting incorrect dates of activity on the account as well as incorrect balances to keep the account on my credit report for longer than the legal limit. This is unfair credit practices and should be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were a few times that I disputed this bankruptcy with Experian the dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and presently. I sent a letter to the courthouse asking do they report bankruptcy to the credit bureaus, and I got a letter stating they do not report any bankruptcies to anybody. So, if that's the case. How did the credit bureaus edify my bankruptcy 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to:15 U.S.C 1681 Section 602 A. States I have the right to privacy.

According to:15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 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: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX ( XXXX ) XXXX XXXX  XXXX XX/XX/XXXX This complaint is about fraud and it involves XXXX XXXX XXXX XXXX XXXX, a school for profit I attended in XX/XX/XXXX and XX/XX/XXXX. While attending XXXX XXXX XXXX XXXX XXXX, I was assigned an XXXX at XXXX XXXX XXXX XXXX as a means to start working on my thesis. XXXX is involved in grassroots activities trying to help steer its youngsters into ethos of social productivity. XXXX is located in XXXX, XXXX one of XXXX XXXX XXXX 5 boroughs whose residents are mostly minorities ; it is a very tough neighborhood reknown for its deadly violence due to a large influx of XXXX XXXX or XXXX. I, for days to come, along with my colleagues, were instructed to saturate the XXXX neighborhoods with leaflets as a means to attract a large turnout for XXXX annual message of non-violence during the summer. I was served last year with legal papers and every time I showed up in Court, the other side had a problem with lawyering up for the case, at least 4 or 5 times. Finally, on XX/XX/XXXX, Counsel for  XXXX offered to drop charges against me if I would drop charges against them, I refused. My attitude was such because XXXX XXXX has almost {$30000.00} of my students loans in their coffers and I have nothing to show for it. The judge rescheduled the hearing for XX/XX/XXXX. I received an invitation letter in early XX/XX/XXXX for a Court date, I called the District Court to complain about two calendar days and the associate reminded me that my Court appearance was for XX/XX/XXXX. Then the judge and XXXX decided to have their motion behind my back. I do not have a diploma ( degree ) for my studies because XXXX never replaced XXXX with another XXXX. In XX/XX/XXXX,  XXXX through their legal counsel served me with legal papers claiming that I have an overdue balance of {$7800.00} I countersued XXXX for {$30000.00} a sum close enough to the amount spent for my studies at XXXX. Further, the Plaintiff provided a set of Exhibit boguses from page 3 to 5 in which it failed to show why Defendant never graduated. On the Defendants second year, XXXX tried but failed to get its GED program rolling which was the centerpiece of the Defendants thesis.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and that unauthorized accounts and inquiries have been added to my credit file. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all fraudulent accounts and inquiries listed below be blocked and deleted from my credit report. 
Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$95.00} XXXX  XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1300.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$1300.00} DOE XXXX - XXXX - XX/XX/XXXX - {$0.00} Fraudulent Inquiries to Be Blocked : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an agreement was made between Kohl 's and myself to settle the account. While the agreement was made, on a recorded line, the associate inform that they would be reporting to the credit bureaus IMMEDIATELY. That was a lie. After about a week or so, I called to find out what was going on. The new story, also on a recorded line, was that they report at the end of the month. After being upset with associate, I was transfer to a supervisor, also on a recorded line, that it would be report on XX/XX/XXXX. That was a lie. After that conversation on the same day, I call XXXX and place a 3 way conversation with myself, Kohl 's and XXXX. Kohl 's wanted the credit report to say I still owed them {$280.00} even a settled amount was agreed to. XXXX immediately corrected the info to reflect a settled account {$0.00} owed. Unfortunately, XXXX and XXXX  would not call them to fix the issue. I filed a dispute with both to get this corrected on XX/XX/XXXX. Kohl 's eventually did report to both XXXX and XXXX stated closed/charge off account with an outstanding balance of {$280.00}. This took placeXX/XX/XXXX. I called Kohl 's back, again on a recorded conversation, only to be told a brand new story. I asked them what my balance is and how do I owe them. There response was that a settlement was accepted on XX/XX/XXXX and I owe them {$0.00}. My next question was, " Why did report to the credit bureau 's that this a charge off with an outstanding balance of {$280.00}? ". This when the new story came out. The first version was that there is an outstanding balance that is how it would report. Then the story changed to " that they report settlements at the end of the month. '' If that was true, they would of reported that at the end of XXXX. Again, every conversation was recorded by Kohl 's. To make it clear as possible, I am a XXXX Vet trying to purchase a home. I reached out to Kohl 's to settle this. Several years back when I had outstanding credit. I was forced out of my job and my credit went to the tank. I have fixed it all. Yet Kohl 's wants to play games with my lively hood and family. I am a XXXX Vet trying make things right and get a home for my family. They should be held accountable for there actions.
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. 

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, has 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.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX  WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted disputes to the reporting agencies and I get nothing in return and when I call they hang up on me or refuse to transfer me to the right department
Product: Credit card

Ive mailed in my payment to CAPITAL ONE and it was delivered on XX/XX/XXXX i was not credited for this payment and my account was closed due to non payment.
Product: Checking or savings account

US bank has an issue with profiling customers. I spoke to a manager at a brach regarding my account and a deposit of a government check for my business. The branch manager XXXX XXXX ( XXXX XXXX ) said he would send in my check to MN as it was above the limit for deposit. The check deposited was a tax return check for my business. The manager on the phone told me there would be no issues with the deposit but a week later I received a letter from the branch manager XXXX XXXX XXXX stating that US bank would be closing my account without any reasoning. I called the branch for further clarification as I knew It had nothing to do with my account. It was in good standing with no bounced checks for late payments. All my checks deposited where travelers checks - and they stated this not something they can discuss and I would need to call corporate. After spending 30 mins waiting to speak to someone at corporate they stated they do not have reasoning and nor do they need to provide one to close an account. The mentioned to me in the deposit agreement that ( page 14 ) that they can close and account for " any or no reason ''. 

This is the clause US bank uses to allow its employees to openly discriminate against customers with immunity. They will close down the accounts of anybody they please and without any warning or reasoning. As a citizen and taxpayer who paid for the bailouts of these banks I feel cheated and I want representation to fight these egregious laws US Banks has made to cause detriment to minority business owners. 

US Bank recently settled on a case where the branch manager declined to deposit a check from a Minority only to find out later that the check was in fact his and eventually settled with the individual.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported XXXX XXXX  to Experian identifying my account as unrecoverable. I was under a payment arrangement with XXXX when XXXX XXXX pulled my account back. It then was transferred to XXXX. Once transferred to them, there were multiple issues with them setting up the payment arrangement I made. Once they could finally get that straightened out XXXX XXXX reported my account to Experian as unrecoverable. I've been paying on this account for over a year with monthly payments- so how is this not recoverable? 

Why are there XXXX separate XXXX  on this XXXX account? I was just about to refinance my mortgage but because of this incorrect and willfully negligent credit reporting of the account my score has dropped over XXXX pts. 

I called the company and asked for my agreement and they told me I had to physically go in to a branch to get a copy. I asked how to submit a complaint and they told me to send a fax ( c'mon its 2023 ) or mail it to the local branch. I tried speaking to company reps- XXXX and XXXX and was appalled at how rude they were - XXXX actually had the audacity to tell me " you're being ugly, '' simply because I was asking questions. I'll also be reaching out to the XXXX  XXXX because this company 's practices are attrocious.