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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : INQUIRIES : XXXX XXXX XXXXXX/XX/year> : Account Name : XXXXXXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX XXXX XXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Checking or savings account

I RECEIVED A FRADULENT EMAIL FROM BANK OF THE WEST.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

1.JXXXX XXXX  XXXX -The date opened is incorrect and the high credit limit is reporting incorrect. 
-Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. 
-Please remove from my report 2.XXXX  XXXX -Incorrect information, monthly payment, date opened, balance, high credit limit and credit limit are all reporting inaccurately -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. 
-Please remove from my report 3.XXXX  XXXX XXXX  XXXX -Incorrect information, monthly payment, date opened, balance, high credit limit and credit limit are all reporting inaccurately -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. 
-Please remove from my report 4.XXXX XXXX -Incorrect information, monthly payment, date opened, balance, high credit limit and credit limit are all reporting inaccurately -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. 
-Please remove from my report 5.XXXX XXXX XXXX XXXX **** Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX XXXX
Product: Credit card

I applied for a business credit card with Capital One. Capital One ran my credit ( score of XXXX ; see attached ). I have a fraud alert on my credit report so Capital One was supposed to call me and ask me questions about my report to verify my identity. Capital One never called me at the number provided. I received a letter from Capital One dated XXXX XXXX ( attached ) stating that they were unable to reach me concerning the fraud alert. I wrote Capital One back ( attached ) informing them I never received a call from them and asking them to call me back. They never did as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing theis because Equifax has been reporting inquiries to my consumer report that I do not recognize. These is a severe violation of my consumer rights as protected under 15 USC code 1681B in which Equifax is not allowed to report these inquiries without my knowledge or consent and have repeated demanded that they be removed with no results from agents on the phone. I intend to pursue legal action against Equifax if they continue this illegal reporting of these unauthorized inquires to my consumer report. I have also filed reports with the FTC, CFPB and the XXXX. The following inquiries need to be removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

BB & T sent balance and check clearance notifications by email before the bank was open, between XXXXam and XXXXam, then charged an overdraft fee for a single item as soon as the bank opened, which then generated an overdraft notice by email. Processing transactions and sending notices outside of banking hours, especially at XXXXam-XXXXam gives no opportunity to me to do anything about any notices I receive. BB & T reordered my transactions. There are two electronic deposits pending which each are an amount that would cover the overdraft on it's own. I regularly see BB & T hold transactions as " pending '' for an extended time, both credits and debits when the account balance is low. It is obvious that BB & T 's computer system has been set up to both hold and reorder transactions when the balance is under a certain threshold in order to generate overdraft fees. I have previously warned BB & T that I will close my accounts and change banks. I have already closed a money market account and will close my checking account next if my transactions are rearranged or held again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 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 which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : {$910.00}, XXXX XXXX XXXX : {$9200.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$18000.00}, XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$71.00}, XXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXX GA XXXX XXXX Balance : {$290.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX GA XXXX Balance : {$290.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX Original creditor XXXXXXXX XXXX XXXX XXXX XXXX Balance : 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: Checking or savings account

I want open an account with JPMorgan Chase Chase bank and I want their Private Client account to put my money. I trust Chase after the whole fiasco with the regional banks.

They wont let me open an account and they wont give a reason. When I was younger, I was left with overdrafts a lot of times but I had paid them off. Another time, when crypto was new, I was trying to transfer money into the crypto account but Chase forbid it. I never touched crypto again.

I want to open an account with them but they wont give a reason. They closed the others and I want a reason. Please help me appeal that its unfair to blacklist since I have a clean legal record and no accounts of fraud. I want to open an account with them.
Product: Debt collection

This company is trying to collect {$180.00} from me for a debt they claim I owe. I have written them several letters since  XXXX    XXXX   demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by (  1  ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have  ( or ever had )  some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX  XXXX Balance : {$20000.00} XXXX XXXX Balance : {$490000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is illegally reporting tax XXXX. I disputed this tax XXXX on my LexisNexis consumer report multiple times with LexisNexis. LexisNexis you have stated in your response to me that you verified this information with the furnisher. I contacted the furnisher of this federal tax XXXX XXXX XXXX of Deed and they stated in there response letter to me that they do not verified or report information to any credit reporting agency. LexisNexis response to me that you verify this information with the furnisher was a mistake or lie. I have provided as proof documentation the letter from the XXXX XXXX of Deed clearly stated that they dont report or verify information with credit reporting agencies. I have also provided the XXXX of Truth I sent to you via certified mail to ensure you receive my dispute and for tracking purposes in case legal action is need.
Product: Credit reporting, credit repair services, or other personal consumer reports

n XX/XX/XXXX, I scheduled the payoff amount on XXXX XXXX DeXXXX XXXX website. The amount cleared my bank account and the title was received by mail about 1 week later. At the end of XX/XX/XXXX, i received a letter stating the title was released in error and to return it to them. However, after calling them, I was informed there was a mistake on the balance owed to pay the loan in full. I disagree with this and didn't send it back. I have recevied multiple statements showing a balance of XXXX plus to pay the balance. HOwever, after demanding debt verification, I was informed they could only send a pay history. The balance on this shows XXXX. They are continuing to report late payments and now showing charged off/collection with a balance of XXXX on all major credit bureaus. I do not believe I owe anything to pay the loan in full and believe the is an error on XXXX XXXX XXXX XXXX side. HOwever, they will not research this. The new excuse is that a payment was returned. I do not show this on any bank statement. Ive asked for verification of the bank account the " returned payment ''. They state they can not access that information. This has decreased my credit score dramatically and I have attempted to correct this with XXXX XXXX, XXXX, XXXX, and Transunion on multiple occasions. Disputes with credit reporting agency are not correcting the mistake.
Product: Vehicle loan or lease

On XX/XX/XXXX I submitted a complaint re Nissan and the misrepresentation of a vehicle purchase in XX/XX/XXXX. 

I submitted the report to you, and then received notification that the issue was closed. 

You had received a letter from Nissan stating that the entity responsible was XXXX XXXX XXXX XXXX XXXX, ( XXXX ) Consumer Affairs Department and the XXXX XXXX   XXXX. XXXX Account No. XXXX. 

Evidently you failed to read the letter to learn of this information. 

Accordingly I will re submit the complaint with the additional information. 

When we were looking to purchase the vehicle, we were informed that the vehicle was capable of the XXXX XXXX XXXX. The salesperson stated this, the website states this, and I spoke with another rep of Nissan and they confirmed it. 
However, when trying to download the software to enable the service, the website indicated that our vehicle ( by VIN Number ) was not equipped for the Navigation System.
Product: Student loan

I applied for a student loan deferment on XXXX XXXX, XXXX they took my payment on the XXXX of XXXX from my XXXX bank account. 
They lazy agent said they were gong to put through a deferment. I am still getting phone calls and the deferment has not gone through.. 
I am not able to get a job due to my health problems. I can not get a appointment till XXXX of XXXX.
Product: Debt collection

I am currently being garnished for an alleged debt by this company, and I have requested proof that they have this debt and the ability to collect, and they refuse to give me proof. They will not respond to messages, or my verbal request. I was only able to have one phone conversation since this debt happened and they requested time to get the proof but now no calls are being answered, and I still have no proof of debt, This company is taking my money but will not give me proof of me having a debt
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not apply for credit during these times/dates stated below these are unauthorized inquiry i called the XXXX major credit bureaus and they told me to file a complaint with the cfpb and reach back out to them in a couple weeks XXXX  - XX/XX/2021 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with each of the 3 major credit bureaus. I have provided substantial evidence of their erroneous reporting of my credit specifically a tradeline for XXXX XXXX XXXX who is notorious for sending wrong and fatal payment history data to all 3 credit bureaus. My evidence shows an online payment transaction history for the year 2016 reflecting no 30 day late payments were ever made to XXXX XXXX XXXX however XXXXXXXX Transunion, XXXX and XXXX XXXX XXXX refuses to remove the erroneous information which is a direct reason why I was denied a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$2600.00} ; XXXX XXXX XXXX Balance : {$930.00} ; XXXX SELF-REPORTED XXXX Balance : {$150.00} ; Medical XXXX Balance : {$1300.00} ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Identity Theft and Credit Report Inaccuracies FTC Report XXXX : XXXX Dear Equifax XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX submitting this complaint on my own behalf, without third-party representation, to address issues related to identity theft and inaccuracies in my credit report. 

Attached are a new Identity Theft Report and a Consumer Financial Protection Bureau ( CFPB ) complaint. Additionally, I am formally disputing erroneous information that has negatively impacted my credit profile and resulted in a recent denial of credit. 

Despite my efforts to improve my credit standing, Equifax continues to report inaccurate and outdated information, which has significantly harmed my creditworthiness and restricted my access to essential financial services. These errors are preventing me from securing loans, renting properties, and accessing other critical financial resources necessary for personal and economic advancement. 

I am requesting an immediate review of my credit report, correction of the inaccuracies listed below, and an update to my credit score. Given the far-reaching consequences of these errors, I trust that this matter will be handled with the urgency it requires. 

The accounts in dispute are as follows : XXXX. XXXX XXXX # XXXX, XX/XX/XXXX, {$1000.00} XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$630.00} XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$350.00} XXXX. XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$1300.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, {$18000.00} XXXX. XXXX XXXX XXXX  XXXX, XX/XX/XXXX, {$0.00} XXXX. XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX, {$1600.00} XXXX. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$1800.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$16000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$680.00} I look forward to your prompt attention and resolution of these matters. 

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

Hi, I'm submitting this complaint because I have nowhere to turn to! Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct.

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting

I vacated my old apartment on XXXX/XXXX/2015. I provided to the apartment my forwarding address where the balance of my deposit should be sent. I never receive any from my old landlord. I started to receive call from the collection agency ( XXXX XXXX XXXX ) asking to pay an alleged debt regarding this matter. I told XXXX that I was not aware about the debt and I needed more details. I visited my old apartment to find out more about the matter. Unfortunately, I found that the apartment did change the name. I asked my lawyer to write to the collection agency to request more information. While I was still waiting for the answer, which came today, the collection agency XXXX XXXX XXXX report NEGATIVE INFORMATION on my credit report. I attached mails I exchanged with the collection agency
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 Date of inquiry : XX/XX/, XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXXXXXX Account Number : XXXX