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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA XXXXection 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 that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$5200.00} XXXXXXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$210.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX Inquiry XXXX XXXX. XXXX, 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: Debt collection

payments was affected due to COVID-19. Chase Auto reported 60 days late on credit report for month of XXXX.
Product: Credit card

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-XXXX ) that you 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 XXXX on XX/XX/year> under the account number XXXX, with a balance of {$650.00} that appears related to the aforementioned Credit Card 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 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened my Experian credit boost account and see that I have a past due credit card bill to XXXX XXXX XXXX for an account that was opened on XX/XX/XXXX in my name. I have contacted XXXX XXXX XXXX and told them this is a fraudulent account on multiple instances but it is still showing up on my credit report on Experian, XXXX, and XXXX. The information displayed on the overdue " closed account '' is as follows : Account name XXXX XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Account status Closed Payment status Past due 120 days Status updated XX/XX/XXXX Balance {$6300.00} Balance updated XX/XX/XXXX Credit limit {$7000.00} Monthly payment {$170.00} Past due amount {$690.00} Highest balance {$7200.00} Terms Revolving Responsibility Individual I have disputed the claim through the crediting bureaus but XXXXXXXX XXXX XXXX  refuses to take it off of my credit report even though I have spoken to them on the phone multiple times to tell them this account was opened negligently in my name. Their contact information is : Address XXXX XXXX XXXXXXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX
Product: Consumer Loan

My car payment was due on XXXX XXXX, 2016. I was not able to pay this payment until XXXX XXXX, 2016. My car loan company is with Coastal Credit, this company call numerous time a day, from texting, cell phone calls, and house calls. Finally, this company sent a stranger to my house on XXXX XXXX, 2016 who never identified himself, only stated he wanted to hand me a letter from Coastal Credit, and requesting that I call them in front of him, while he was there. So I called Coastal Credit and I was put on hold for while and I finally told the man I had things to do and I paid my car payment on XXXX XXXX. The man verified my information, it was the same information that Coastal Credit all ready received, and the man then left after verifying information. Shortly after this Coastal Credit representative who name is XXXX called and left message on my phone to call her before Monday and she did not see the payment that I stated I paid. So I call Coastal Credit and I was unable to talk to XXXX due to the representative saying she was on the phone with another customer. So I begin stating that the reason why I was calling about the car payment and sending a stranger to my house. The representative begin to tell me that she did not see the car payment as well and I told her I did send it and the payment is showing up on my debit card transaction. The representative then proceed to say let me check another system, I was placed on hold again, and the payment is in the other system. So I begin to express my frustration with this situation, particularly with XXXX stating she did not see the payment, and sending a stranger to my house. The only answer the representative could give me is the stranger sent to my house is another way of communication. I told the representative I have previous loan companies and no one has ever sent anyone to my home. The representative told me she was not going back and forth me. I also told the representative that maybe they should check all there systems before stating someone did not pay their payment. Now granted I was late due financial issues and I have been working extra to catch my bills up, but I do not feel like I should be harassed like this from this company. Is this legal for a company to act in this manner?
Product: Debt collection

I received several phone calls from Midwest Recovery over the last couple of months. Each time I stated I had no knowledge of alleged debt. Each Time I requested something in writing so that I could investigate. Each time they refused. When I stated that the FDCPA requires them to do within 5 days of initial contact they stated they do not have to. The last time they contacted me on XX/XX/XXXX they left a voicemail and I returned the call and the gentleman said they were going to report it to the credit bureau despite the numerous attempts that I asked for written documentation. THey said they do not have to provide that. Today I checked my report and they reported it to all 3 bureaus causing my score to drop significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint in XX/XX/XXXXof this year ( 2018 ) in which RENT RECOVERY SOLUTIONS company responded that they would remove the information from my credit report on XX/XX/XXXXclaim # XXXX Since this response the mentioned company has continued to report the information still refusing to respond or accept certified letters sent to the given address. This has been an inconvience to the process of repairing my credit and ridding it of inaccurate information. To have a company be as unprofessional and inexorable in reporting inaccurate information has been stressful to say the least. The obstinate business practices I've endured from RENT RECOVERY SOLUTIONS has lead me to file yet another complaint as well as getting a law firm involved at additional cost to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, I recently submitted a list of 25 accounts to each credit reporting company. XXXX  has fixed these errors but I am still waiting on XXXX and Equifax to comply. In the mean time I got a update that a new fraudulent account was added yesterday so I have attached it here to be removed.
Product: Checking or savings account

Capital One failed to deposit my direct deposit in the amount of is {$2400.00} into my checking account on XX/XX/XXXX. Their failure to do so has caused several payments to be missed on various accounts that I have including one with them. Capital One was aware of this issue as early XX/XX/XXXX and failed to notify their clients until after XXXX EST on XX/XX/XXXX. That notification came with no resolution. As of today when contacting their customer service all you're told is they're working on it and they apologize for the inconvenience. I'm under the impression that Capital One 's failure to provide access to my funds violates the EFT Act.
Product: Credit card or prepaid card

I got a Bank of America travel rewards credit card in XXXX. I set up automatic payments immediately upon activating the card. One day after my second bill was due, I found out that the bill had not been getting paid automatically, and I was responsible for two late payments on the card. I was never notified by Bank of America that I missed any payments. I contacted them and they could not help me, only tell me that I did not have automatic payments set up on my account. I have had more than enough money in my BofA checking account, which is the account I set the payments to withdraw from, to pay these bills.
Product: Credit card

Picked up an order from a store, but they were out of an item. The store claimed to have refunded it, but some time later I realized this wasn't the case. I disputed part of the charge using the form on the account website and submitted it through their online messaging system as directed. I've now done this twice, once on XX/XX/XXXX, and once around XX/XX/XXXX ( don't know exactly ), but I've not received any written or any other communication from them
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  Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX  Account NumberXXXX has violated my rights. Or a 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: Checking or savings account

Unbelievable how this customer service treated me I called tonight to order deposit tickets which was always free and they want to charge me for something that has always been sent to me for free and then when I have the beyond checking And qualify for free checks they also wanted to charge me horrible I want {$80.00} for this inconvenience they have caused me ruined my night didn't treat me loyal or in the past deposit tickets were always free and then the lady said she is having a hard time with her system and that I should call XXXX XXXX Why when its my bank that has always ordered deposit tickets and checks
Product: Credit reporting or other personal consumer reports

Tried to dispute information sent supporting docs and they arr deliberately reporting acoubts incorrectly
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Macy 's is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt reporting. I immediately called and settled this debt with them. Prior to this, I had not received any notices, calls or emails regarding this debt. This violated my 30 day right to dispute under the FCRA and FDCPA. I ask that Macy 's please remove the tradeline from credit.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have fraudulent increase on my report that I do not recognize. I did not authorize these fraudulent inquiries.
Product: Money transfer, virtual currency, or money service

I had a complaint with CFPB ID XXXX about Bank of the West. 
SUBMITTED XXXX PRODUCT Money transfer, virtual currency, or money service. 
Until now almost 3 months passed by already and I did not get any respond how the investigation from Bank of the West to resolve my case. I am very despair, hopeless and have financial difficulty in life now. 
Please help me to get over this burden in my XXXX and recovering the loss of the money. 
Thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

Lendmark Financial is posting an account on my credit profile that i have no knowledge of nor has the company followed any of the procedures set forward in the fair dept collection act which states that i should have been notified and had a chance to dispute any collection attempt before posting to my credit profile, I believe this account was opened fraudulently and would like the company to stop posting to my credit report as the is a violation of my rights under the FDCRA and FCRA, attached is a police report as i am a victim of identity fraud
Product: Credit card or prepaid card

Barclays Bank reports to credit bureau that I have a delinquent account. When disputed and provided documentation for ID theft, they say they will report as disputed but will not remove. When I dispute with the credit bureaus they respond with verified debt. Barclays Bank, and XXXX are ignoring consumer protection laws, police affidavits, and their own policies for accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian makes is very difficult to place/remove a credit freeze on your account - unlike other reporting agencies where you can simply login with a user name and password to enable/disable your freeze -- Experience requires you to fill out a lengthy form, with a pin and address history, social security number etc. Which if you fail just one attempt, you are then not given another attempt, you are instructed to mail your request in, which is ridiculous if you need your account frozen ASAP. If you DO happen to answer everything correctly, and move on to the next step, then you are instructed to answer a questionnaire based on questions in your credit file, which again, if you get one or  two wrong, you fail and are instructed to mail in your request. If all else fails and you have to mail in your request, then the authentication process is EXTREMELY difficult, because it becomes a back and forth of snail-mail letters which accomplish nothing. This is unacceptable.
Product: Mortgage

Citizen 's Bank, gave us a commitment for a condo, and then at the last moment is not coming to the closing. Since the financing contingency expired before the closing date, my down payment is exposed according to my lawyer. However, Citizen 's acted in bad faith.
Product: Credit reporting or other personal consumer reports

Experian Credit Bureau continues to violate my consumer rights by reporting XXXX XXXX on my credit report as a charge off. I have no knowledge of this account. I have continually disputed this account with Experian.
Product: Credit reporting

I opened a dispute with the credit bureau, TransUnion, regarding inaccurate information being in my credit report. In addition to opening the dispute, I also submitted supporting documentation to verify the inaccuracy. The credit bureau has not been any assistance with correcting the errors in my file and keeps claiming that the information has been verified by the creditor. 

The following accounts are being reported inaccurately : XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Checking or savings account

On the evening of XX/XX/XXXX I went to my local Wells Fargo Bank, in XXXXXXXX XXXX to make a deposit at the ATM. I was depositing {$4900.00} cash into my everyday checking account. I inserted my ATM card and placed the cash into the ATM. The ATM began to count the money, during the count the ATM had a issue with one of the bills stopped counting and asked to return my card. The ATM kept {$2400.00}, returned {$2500.00} and returned my card back to me. I then reinserted the card and placed the {$2500.00} which had been returned back to me into the ATM for deposit. At the end of the transaction, I return to my car and checked the Wells Fargo App on my phone to see the deposit. The App showed that {$2500.00} had been deposited but did not show the first transaction or any deposit of the {$2400.00} that it kept. I called Wells Fargo the following morning XX/XX/XXXX to tell them what had happened. The Wells Fargo representative that I spoke with stated that she would open a claim to resolve the issue and that it would take up to 10 business days to resolve the issue. 
On the XXXX of XXXX I called Wells Fargo to find the status of the Claim and get some update on the situation. It had been 17 business days and I had not received any calls or SMS messages or email from them about the issue. The representative told me that my claim had not been processed and that the was pending verification. He stated that {$2500.00} had been deposited to the account but that {$2400.00} dollars was pending verification and he stated that he could see that 2 transactions had taken place that evening. He said that a letter had been mail to me about the claim, I had not seen this letter, as I have placed email, SMS or thru the app as my primary types of communication with Wells Fargo. The representative stated that he would make note on the claim that I had called to get an update and that it was still being processed/investigated and to call back on XXXX to get another update due to the XXXX being a holiday. 
After speaking with the representative I did find the letter it was dated XX/XX/XXXX that stated " Well Fargo had completed their research and that the account had been credited for {$2500.00} based on the items included in the deposit ''. The letter stated that the claim had been resolved. The information in the letter dated XX/XX/XXXX contradicts the recorded phone conversation with the representative on XX/XX/XXXX who clearly states, " Yes, I can see that there two transaction, and that {$2400.00} is pending continuing investigation and verification that the claim was still being processed ''. 
On the XXXX I called Wells Fargo again to get another update. I spoke with a representative who stated the claim has been denied that the ATM had been looked at and that no extra money was found he stated that there is nothing further that he could do and that this claim was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX acct. # XXXX is reporting incorrectly and a duplicate account. This continuous and ongoing violation of the Fair Credit Reporting Act is causing me undue stress and a defamation of my character.
Product: Credit reporting or other personal consumer reports

The only credit bureau that has accurate information for me is XXXX. XXXX has all of my accounts on their website, but when you try to look up the XXXX score through FICO, what the creditors see, it says I dont have any credit. 

The worst is Equifax though. They wont even let me log on in order to file a dispute, this is all stemming from me getting a name change XXXXeven years ago and Ive been trying every month for seven years to get them to have my entire credit report, and they either have my old name, include my old middle name which throws everything off, or dont have any of my accounts.
Product: Credit reporting or other personal consumer reports

This account is reporting a late payment to my credit report incorrectly please update this to and remove this 30 day late payment on XX/XX/year> immediately as it is effecting my ability to obtain credit. 
Account name : XXXX XXXX  Account number : XXXX