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

XXXX XXXX was done on XX/XX/2020 at the dealership. 

Recently I looked at a copy of my credit report and noticed an incorrect account. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the item I am asking you to verify as reporting accurately : XXXX. XXXX XXXX XXXX XXXX After your investigation is complete, please send me the results via mail. 

Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was charged for an XXXX bookstore purchase that I did not make on my Barclay 's visa. I only originally got the card to finance an XXXX product and once paid off I actually emailed thr company and requested the account be closed. They did not close it and I noticed months later on my credit report that there was a late payment on this account in reference. I have no missed payments and I do not recognize the charge and I also have never made a bookstore purchasethroughXXXX to my knowledge. I already have an XXXX visa for all my XXXX purchases so I am pretty certain I would not have charged one thing to the Barclay 's card. I actually destroyed the card once I asked that it be closed. I contacted the company and received a letter stating I won the dispute but only for 1 dollar. I was very confused by this and continued to contact them and got an email stating that it could take 30 days to investigate. But its been several months of going back and forth and my credit score has decline 100 puts since. They also closed the account on me due to lack.of payment and now with all the late fees and interest it is hundreds of dollars owed. I have even called and spoken to a manager and dispute specialist to which that has been no resolution. And I have been denied the ability to finance some necessary services for my home due to this particular remark on my credit report that previously was in the 750s and had no missed payments. Still nothing back from Barclay 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing the credit report, the National RecoveryXXXX XXXX Account : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX The Center has a series of derogatory remarks on the credit profile. While receiving treatment, the staff was aware of financial hardship. Documents/Assistance was requested, however, staff failed to comply with information. As time progresses a continuation of treatment, the company insists no assistance is available. According to XXXX, if a patient not insured the institution by right give information for assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraud items on my credit report that need to be removed. Ive tried contacting the creditor that these are not my items with no luck. The first Collection is XXXX XXXX XXXX ACCT : XXXX. Ive never opened a XXXX account under my name. Someone is using my information as fraud ever since this credit breach. 

The second account is XXXX XXXX ACCT XXXX, Ive never had an account or visited XXXX XXXX. Not only is this a breach of contract releasing records but FALSE records at that. Someone is using my name and my information and a freeze needs to be on my account
Product: Checking or savings account

First, I get two mails from Chase Bank to my address informing me that I recently applied for an account with them. They went to acknowledge that the account were not authorized because there was not enough verification provided to verify that it was me opening the account. Both letters were dated XXXX XXXX XXXX. I didnt think nothing of it and thought everything was okay. 

Second, XX/XX/XXXX I received XXXX emails from JPMorgan Chase Bank. They came in around evening time around XXXX confirming that I enrolled in their credit monitoring program. Next day comes around XXXX I found chase number on their website to contact them over the phone, I speak to an agent then they transfer me over to the claims department. The agent answers to take all my information and the guy tells me that the account was processing but there was not an active account but he did see 7 profiles under my name but there were not any accounts. Someone was attempting to open accounts under my name but they were not processed. As the agent is processing my identity theft claim the call drops. 

Furthermore, I call back to get back to the claims department this time Im met with rude agents. Im transferred over to someone and the agent refuses to give me help. I am begging with them to stop the account before the account processes and go through but they tell me they can not help because theres not any account opened. I call back again to get a new agent shes talking so fast and being rude, she ends up setting my my identity theft claim but I blame chase because i ask them why would they process this account when I called earlier to warn them it was fraud. I never been a customer of chase ever and been a customer at XXXX XXXX XXXX for 5 years.

Lastly, I call back again to get more information form they account they refuse to tell me. They inform they added an alert. So I already frozen my credit as well and I then i sit on hold for 2 hours with no help. Agents are all rude and dont want to help. 

I called today XX/XX/XXXX to get more information but the agent ends up being helpful but she also refuses to help me out. She seemed lost or just laughing it off when this is serious. They didnt even want to disclose my information with me and I told them it was me. So, I told them Ill go to the branch with my police report to get this done and they said itll take days on end for them to process. Im very upset and angry, this is misuse of peoples information. Chase needs to be held accountable for this immediately and remove my account asap without a police report.
Product: Debt collection

i disputed this debt on my credit report and this company validated debt. Original creditor advised that this would be removed and sent me a letter stating such. This company mailed me specific medical information about my medical treatment as well as a XXXX XXXX XXXX 's surgical information as well both in violation of HIPPA and State Privacy laws. And lastly, upon clearing up the matter with my doctor and insurance company, CMC INC validated the debt with XXXX and XXXX and continued to report erroneous information which prevented me from obtaining insurance.
Product: Credit reporting or other personal consumer reports

I never had an account with this merchant, they can't show a sign document with my name agreement for this account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I asked for Equifax 's method of verification on XXXX bankruptcies that they are reporting on my credit report. Equifax responded on XXXX XXXX that the bankruptcies were verified thought XXXX a third party vendor and that the bankruptcies would remain on my credit report unless I had additional information ( Please see Equifax 's verified response report ). I reached out to XXXX and they stated that the bankruptcies were removed from their consumer report back in XX/XX/2021 after a reinvestigation. So, this clearly proves that Equifax did not verify these bankruptcies which is a violation of my FCRA rights. Secondly, Equifax asked me to send them additional information that would prove that these bankruptcies are being reported fraudulently on my credit report. I have attached the letter from XXXX as additional information.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX BALANCE {$3200.00} ACCT XXXX XXXX XXXX XXXX XXXX ACCT # XXXX - XXXX XXXXXXXX XXXX BALANCE {$750.00} ACCT # XXXX - XXXX XXXX  BALANCE {$600.00} ACCT # XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$2000.00} ACCT # XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$860.00} ACCT # XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$3100.00} ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial indicates that they have charged off an account on my credit report, but are still reporting a past due balance and balance due.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a credit inquiry from Conns XXXX. I didnt submit an application with Conns. I received an alert today XX/XX/2021 from XXXX XXXX, this inquiry is in my XXXX report. I sent en email to XXXX XXXX  about this and am waiting to here back. After work I will request a credit freeze.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX =========================== UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

Associated Bank locked me out of my account. I declined the XXXX page online user agreement that is a " cash back '' scheme that gives permission for all merchants to call me and solicit me on my private phone. I do not want to participate in their program. They refuse to let me have access to my account this weekend.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account  XXXX  of  XXXX  Profile COMPANY -  XXXX   XXXX   XXXX  - LOAN TYPE - Other - ACCOUNT NUMBER -  XXXX  - ACCOUNT HOLDER - Individual Account - DATE OPENED -  XXXX ,  XXXX  - Status STATUS DATE -  XXXX ,  XXXX  - CONDITION - Open - LAST ACTIVITY -  XXXX ,  XXXX  - BALANCE - {$6900.00} - STATUS - Charged off as bad debt - This is not my acccount. Please provide details of your investigation of how you determined this was my account in which it is NOT.     Also the account shows as an open status but yet says charged off as a bad debt. This is false inaccurate information. It should be removed. This is a fraudulemt account and plus its reporting incorrectly. Remove it.           Regional Finance - LOAN TYPE - Other - ACCOUNT NUMBER -  XXXX  - ACCOUNT HOLDER - Individual Account - DATE OPENED -  XXXX ,  XXXX  - Status STATUS DATE -  XXXX ,  XXXX  - CONDITION - Closed - LAST ACTIVITY -  XXXX ,  XXXX  - BALANCE - {$0.00} - STATUS - 60 days past due How is the account 60 days past due but has a  XXXX  balance? This is a paid in full account. Delete the tradeline. You can not report information that is incorrect. It is a paid in full account that was never late. Delete this false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : 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 fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I have believe these practices are unfair and request an investigation into my transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I had XXXX XXXXXXXX and missed a payment, I was never notified that I was late, or behind and no obvious information was available to let me know of a problem.FIVE months later, a rep from XXXX XXXX XXXX contacted me about a problem with my account and wanted me to verify info because I do not verify incoming call information. I logged into my account, saw a problem, fixed the payment issues, and assumed all was well. Now XXXX is reporting me late four months in a row despite me giving them money every month. Their lack of notification on this matter corallites very conveniently to when I need to refinance this loan. They have knocked my credit score down almost 150 points and will be expecting me to refinance my loan with a sub XXXX XXXX XXXX which GREATLY benefits their bottom line. 

My stance is here IF I had been notified on any level other than XXXX email per month, I would have taken care of this immediately. They are taking advantage of the situation, keeping me from a home purchase and ruining my credit score. I have had one late payment in the last eight years ( an oversight at {$32.00} due to switching primary banks ). With these egregious reports, my financial freedom is in jeopardy because they did not notify me about a matter as grave as my credit score. And their " courtesy notifications '' seem to be entirely arbitrary as to when they will let their customers know there is a problem with their account standing. 

I sent them a dispute letter on XX/XX/XXXX and didn't receive a reply until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am deeply upset that these credit reporting agencies are reporting inaccurate, unverified inquires and accounts to my credit report. Under 15 USC 1681i, unverified accounts must be promptly deleted. I sent these credit reporting agencies a sworn statement on XX/XX/2021 telling them that the items listed were fraudulent, and they were supposed to remove the accounts 4 days after receiving my statement. it is now XX/XX/2021 and the accounts are still reporting to my credit report. this is illegal and I want the CFPB to take action. Please make them remove these fraudulent accounts. I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Product: Credit reporting or other personal consumer reports

This account keep showing on me report every year and have to disput it, every year is a different company name showing the same account that doea not belong to me.
Product: Credit reporting or other personal consumer reports

While I appreciate your efforts in removing some of the fraudulent items from my file resulting from alleged fraudulent activities, there are still items that need to be addressed. This is a follow-up to dispute the remaining items in my credit file linked to alleged fraudulent activities. I am once again providing Identity Theft Report # XXXX and # XXXX. According to FCRA section 605B ( a ) ( 1 ) ( 2 ), you are obligated to remove any information in my file stemming from alleged fraudulent activities within 4 business days of receiving ( 1 ) appropriate proof of my identity and ( XXXX ) a copy of the identity theft report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX Balance : {$4900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$340.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX Balance : {$3900.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$17000.00}. Please be reminded that you have 4 business days to eliminate any items in my credit file resulting from alleged fraudulent activities. I do not consent to XXXX or any automated verification methods.
Product: Debt collection

Let me start by stating that I DO NOT OWE THIS COMPANY A DIME. THEY ARE CONTACTING ME TO FIND MY XXXX year old Married Son. 
I was contacted by a man who identified himself as XXXX XXXX. He stated that my son was in a lot of trouble. He then went on to say that there was a Summary Judgement filed against my son. I interrupted him saying that my son was an adult and I do n't owe his company or the company he is representing any money. He got angry and said he did n't know that the company my son works for was in the business of " hiring snakes '' and if I was n't such a " bad mother '' then I would know where my son is and I was a " crazy person. '' I hung up and he called back. I handed my husband the phone. When asked to identify himself he ( XXXX ) stated, " This sounds like an episode of XXXX XXXX '' ( A blatant and obvious derogatory statement regarding our racial identity. ) My husband asked him what company he represents and he just began yelling out my social security number ( the phone was on speaker. ) We hung up at this point. 
Several minutes later our XXXX daughter called from school stating that she received a call from XXXX XXXX and he stated, '' Are you going to talk to me or are you a mean person like your mom. '' She was confused so she hung up and called us immediately. 
I got a message five minutes later from XXXX XXXX in which he stated that he intended to take me and my minor daughter to court regarding my son 's alleged debt. 
Let me reiterate that this man/company is attempting to reach my XXXX year old adult married son.
Product: Credit reporting or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any accounts which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions setted with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I have received multiple calls from this and another number. They don't say anything when I answer or leave any message when I don't. I searched the numbers online and they come up as Comenity bank. I am current on my accounts and do not know why they call. At this point it feels like harrassment since they are calling at least twice a day.