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

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX AZ ) XXXX Balance : {$3200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$760.00} XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXXreditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One fails to uphold their obligation and duty to be accurate, fair, clear and concise, and uphold consumer laws. 15 U.S Code 1681a ( 2 ) ( A ) ( i ) states that excluded from a consumer report are transactions ( late payments ) and experiences ( utilization ). Why, after my many letters and calls to dispute this, are they still reporting anything on my account? Late or not, this information is private and should not be listed. I have opted out of being reported and they still share my private information with their third party agencies, ones who have not been granted permissible purpose. 

I called in yesterday XX/XX/23 to dispute this again and the woman told me she refused to talk about laws. She put me on hold to talk to a supervisor, and after 2 minutes it automatically hung up. I just spoke with XXXX XXXX XXXX # : XXXX. She told me there was nothing she could do as far as the consumer report. Interesting when the consumer reports reflect information capital one furnishes. I asked her to provide me with disclosures on how to dispute and she told me she could not send me anything but the she could tell me over the phone. What!? I literally had to try to write down word for word the address and information to include in a dispute. Not to mention she was speaking so fast. I told her you seriously can't slow down? Let alone send me disclosures and information i am requesting? I literally have to write down all this because you are failing to correct my information? I've never heard of a company that will hide information that should be clear and easily accessible to all consumers. 

Capital one is not listening to their consumers. They are STILL not being accurate on consumer reports. And when consumers try to get information to dispute and correct them, they are making it unclear and difficult to receive the information to exercise our right to dispute.
Product: Checking or savings account

Cold call from fake financial institution. Voice mail left : " Hi XXXX this is XXXX calling from Chase Federal credit Union I was calling in reference to your account if you could please give me a call back phone number is XXXX again name is XXXX and I'm notified federal credit union I run the business services department phone number is XXXX thank you bye-bye. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd attempt to get this matter resolved. My 1st attempt was sent in on XX/XX/21 .Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General. 

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 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 had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taking advantage of and being ignored of my disputes. In Section 611 ( a ), it plainly calls out that a failure to investigate theses items with in 30 days gives a clear and present reason to immediately remove those items from my credit report it has been over 60 days so the items in question should be deleted promptly. I demand the accounts in question be deleted immediately or I will file for a litigation due to the mental and emotions stress you have caused me. This matter has effect my mental and physical wellbeing and I will seek damages if this matter is not swiftly resolved. My information was also impacted by the XXXX data breach. 

I demand you conclude your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.
Product: Mortgage

Loancare will not Follow the Laws of my XXXX XXXX Bankruptcy and continues to try and collect on a Discharged Debt. This Company also will not provide proof of me signing a release of funds out of this Account along with information of where the funds went? My HELOC loan was Discharged from the original lender way back in 2011, I've been in Dispute of this Account for Many Many Years and have asked loancare Directly to show me Proof of Who Signed for the Withdrawal of funds out of this Account and Proof of where the Money that was Withdrawn Go? 
I had Received a Phone Call from a loancare representative a year ago saying they are Not pursuing any further actions. I have this conversation recorded. What a lie!! All I want is a lean release on the Title of my Property. If this can't be done immediately I will have no other choice but to bring Forth a law suit! 1st being Loancare Breaking Federal Law under XXXX XXXX Bankruptcy by harassment and continuing to force collects on a Discharged Debt. All documents have been saved over the years to prove this Fact! 2nd researched Documents by Loancare XXXX XXXX XXXX has never Provided Proof of the Funds Being Withdrawn from my account with my signature and where the funds went. Loancare is the Worst company to deal with and this Stress has been Heavy on me and my family for many years and still continues Today ....!! The Practices of this Company is Terrible as you can see from thousands of other Loancare clients have Huge Problems with this company that Bullies their way to destroying people 's Lives!! Next step for me is Hire an attorney and go Completely public on this issue if not Fixed immediately!!
Product: Credit reporting, credit repair services, or other personal consumer reports

TJX Rewards/SYNCB is not in compliance. According to the FCRA TJX Rewards/Synchrony Bank is in violation of the FCRA. In XXXX of XXXX when I received my annual credit reports I noticed TJX Rewards/SNCB was not reporting accurate data to all major credit reports. I have attempted in XXXX of XXXX, XXXX of XXXX and XXXX XXXX XXXX after disputing and receiving an update credit report from XXXX and XXXX the dispute was not corrected. What I did notice was that TJX Rewards/Synchrony Bank was not in compliance and violated my fair credit rights by not reporting accurate data. TJX Rewards and Synchrony bank is not giving me any type of rating and are flagging my credit report with XXXX as ( UNKNOWN ). This has been in existing since XXXX of XXXX. My current XXXX Report Number XXXX is dated XXXX XXXX XXXX. Yes, I have utilized my credit card with TJX Rewards/SYNCB in XXXX, in XXXX, in XXXX and have paid off the balance in full every month. For TJX Rewards not to give me credit or rate my credit worthiness is absolutely a violation of the FCRA. When I received my XXXX credit Report Number Confirmation Number XXXX, I noticed TJX Rewards/SNYCB has not reported correct data since XXXX XXXX XXXX. As of XXXX XXXX TJX Rewards/SNYCB is reporting on my XXXX Credit File Number XXXX NO DATA AVAILABLE. This is definitely a VIOLATION of the FCRA, because I have used my credit card with TJX Rewards/Synchrony Bank in XXXX, XXXX, and XXXX. More importantly I am not receiving any type of credit worthiness. This is absolutely a FCRA violation, by not allowing the consumer their fair rights. Furthermore, when I called TJX Rewards/Synchrony Bank to try to resolve this issue. Synchrony Bank, employee XXXX ID Number XXXX, stated to me she could not answer why TJX/Synchrony Bank was not in compliance with the FCRA. Because I have went back and forth for over 90 days with TJX Rewards/Synchrony Bank and the problem is still a credit worthiness problems. I 'm not receiving any type of credit for using or paying my credit card. I felt it was best to file a compliant with the CFPB, so that this matter can be thoroughly investigated and all major credit bureaus will be updated and accurate data will be updated on all major credit reports regarding my TJX Rewards/SNYCB Revolving Credit Card Account. This has went on too long.
Product: Checking or savings account

Received a letter in the mail from CHASE stating that I had applied for a business card account when in fact I did not. Letter was sent on XX/XX/2022. Did not contact company yet, but did report to XXXX about the issue.
Product: Credit reporting or other personal consumer reports

Early Warning Services has a Federal Trade Commission report filed due to multiple violations. No reasonable option to opt out is offered and there is no written consent being given nor ever was given with my knowledge to share any private information. It has been communicated to the Agents at EWS that any assumed authority has been revoked and I wish to terminate all agreements that bind the living trust to report or share any and all transactions or any and all personal information. Early Warning Services is also violating Fair Credit Report Acts mandate 15 U.S.C. 1681 s-2 for furnishers to provide complete and accurate information. Early Warning Services is reporting invalid information not confirmed lawfully by the office of the living trust. After contacting their company and giving notice to review information on file that has been acquired without my knowledge I have not received cooperation. The right to privacy is not being given and that is a federal violation causing harm when attempting to acquire loans for homes, business and vehicles.
Product: Debt collection

Performant Financial Corp ( whichever collects student loans debts ) called me at my place of employment ( XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX, TX ) in order to collect a debt. They embarrassed me by asking my co-workers where I could be located and how I could be contacted. I ended up giving them an {$800.00} lump payment and entered a " loan rehab program '' which was monthly payments of {$50.00}. 

I contacted Performant this morning ( XX/XX/2018 ) and spoke with " XXXX XXXX. '' XXXX could not provide his employee number for Performant. 

XXXX acknowledged that Performant did in fact handle my account but when I asked him where my money was applied to, his answer was " I don't know. '' I then asked him if he knows where my money is at all and he responded " I don't know. '' Performant also informed me that they had garnished my tax refund. That was a lie. I have filed other CFPB complaints concerning the return of my 2018 tax refund by the XXXX XXXX XXXX XXXX to the tune of {$2000.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc ) Due to an inadequate customer service and unfair practices that violate the consumer financial protection act. Cash app did not take the necessary time to address any fraud on their platform, leaving my account open and vulnerable and unprotected. Furthermore they're disputes resolution process was unfair as they did not comply with error resolution requirements under the Electronic Funds Transfer Act and Regulation E. These situations have caused extreme financial loss and inconvenience. I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This is written notification that I am requesting a description of your investigation procedures as is lawfully my right under the Fair Credit Reporting Act 611 ( a ) ( 6 ) B ) ( iii ) by not later than 15 days after receiving a request from the consumer for the description.

I disputed ( 4 ) accounts listed below via XXXX on XX/XX/XXXX. 
1 ) Trade : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) Trade : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Trade : XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX ) Trade XXXX XXXX XXXX XXXX # XXXX According to Experian Report # XXXX Date Generated- XX/XX/XXXX the 4 accounts listed above were no longer in dispute. Therefore, I am requesting ALL the records that would reveal ALL the procedures that were used to verfy/ update these accounts. I also request the name ( s ) of the persons you spoke to along with their Business Name, addresses and telephone numbers with 15 days in accord with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). IF YOU CAN NOT THIS SPECIFIC INFORMATION, THE ACCOUNTS MUST BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY AS MANDATED BY FEDERAL LAW.

This is NOT a request for a REINVESTIGATION or RE-VERIFICATION. I am demanding detailed and complete explanation of how the ( 4 ) accounts were verified because this data is my legal right under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) within 15 Days.

My dispute was based solely upon FCRA 602 that states I have a right to PRIVACY. Additionally, I disputed because PRIVACY rights are being violated and FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions.

Therefore, all the accounts that I disputed shoud be DELETED.

Again, this is NOT a request for any type of REINVESTIGATION or RE-VERIFICATION, I Want all the information that I request in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).
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 TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

The accounts are -XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX Amount : XXXX -XXXX XXXX XXXX Opened XX/XX/XXXX Amount : XXXX -XXXX XXXX XXXX Opened XX/XX/XXXX Amount : XXXX Ive reached out to the companies and havent received any type of feedback back
Product: Credit reporting, credit repair services, or other personal consumer reports

I want 4 hard inquiries that I never authorized to be deleted off my credit report this is only in Equifax and Equifax told me to submit a report here calling them and the creditors they say is not enough.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inquiries that have been reported on my credit file, which I believe to be unauthorized. These inquiries appear on my credit report and were not initiated or authorized by me. XXXX - XX/XX/year>.
Product: Checking or savings account

I made over XXXX phone calls to citi bank from XXXX until today XXXX. The bank does not provide customers with a way to love money without a debit card and there is no temporary or mobile debit card available. My account has been restricted for XXXX transfers and instant transfers to MYSELF. XXXX XXXX called me and verified the transactions twice and still did not process them! My XXXX limit has been reached. I have my rent payment that I need to make and unable to do so as the instant transfer method isnt working despite my daily limit being {$1500.00}. The associates advised they removed the block and it should be working however it is not. The transfers of {>= $1,000,000} have all been declined for XXXX. The system isnt asking me for my debit card information to process these transactions this is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these accounts on my consumer report. 
I have attached the IDENTY THEFT REPORT, Hard Inquires- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The 3 fraudulent conns accounts were opened between XXXX and XX/XX/2023 ( XXXX not sure the exact date as i didnt open them, im giving information based off my credit report ). Balances for each accounts are {$2600.00}, {$2500.00}, and {$1600.00}. They were opened using my information, including social security number, address and possibly my personal cell number. I filed a police report, and currently in process of changing my social security number, phone number, etc. I need those accounts removed from being associated with my name on every aspect, whether its my credit report or something else, as they were opened fraudulently.
Product: Mortgage

JPMorgan Chase Bank , N.A . has continuously asked for the same information in the re-financing of my existing mortgage. XX/XX/2020 a " Mortgage Commitment Letter '' was approved. It expired XX/XX/2020 without a closing date for the loan. It appears Chase is  delaying the loan by asking for the same information over and over again. If Chase does not want to do the loan, give me my earnest money back and allow me to seek another lending institution.
Product: Debt collection

I sent dispute to credit bureaus about this account is not mine, please remove this account from my credit.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX XXXX  sent me an alert stating that a hard credit inquiry on my had been done that day at Bank of America XXXX XXXX XXXX Texas XXXX This was not me. On Monday, XXXX XXXX, I contacted Bank of America. They told me they had run a hard credit inquiry on my name and my Social Security number the day before. I told them this was fraud ; that I had not applied for any credit cards with their bank or any other bank. I do not bank with Bank of America. They told me. they would cancel the application and mark it as fraudulent. 

However, on XXXX XXXX, XXXX, I received an email from Bank of America telling me my credit card was on the way and to activate it when I received it. The email stated they had sent the credit card to a town in Florida. I contacted Bank of America who deaden any knowledge of this email On XXXX XXXX, this credit card from Bank of America appeared on all three of the credit reporting agencies under my name and social security number. The credit reports all showed this account as being opened on the XXXX or XXXX of XXXX and showed it to be open with XXXX balance. 

Someone has stolen my social security number and is actively trying to use it to apply for credit. I have frozen my credit with all three of the credit reporting agencies and have informed them of this fraud.
Product: Debt collection

Account name. LVNV FUNDING LLC Account number. XXXX This account below was reported as a collection, but I don't recall have any business transactions or dealings with this company. I am asking that you have the creditor provide evidence that the account belongs to me and should be reported in my credit report, In addition, to show that my rights have not been abrogated. 
I'm asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paper is produced or the account is unverifiable, I required that this account is updated and deleted to reflect the proper reporting standard.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not 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  15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Made XXXX monthly payments, and was then unable to make payments due to change of work. Bank calls multiple times a day on " Robocall '' and then a person answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts being reported on my consumer report are a result of identity theft. These items being on my report are affecting me tremendously and is holding me up in being able to provide things for my family. I have attached the FTC report.
Product: Checking or savings account

On XX/XX/2021, I reported to Citizens Bank, in XXXX, NY, that it appeared that my checking account had been affected by fraudulent activity. Despite my strong password, somehow, an internet site called " XXXX XXXX XXXX XXXX CA '' seemed to have infiltrated the XXXX website and debited my account. Citizens did eventually credit the account pending an investigation. However, as a result of that fraudulent debit, a recurring bi-weekly transaction that I had scheduled for at least 6 months resulted in an overdraft status. Despite my attempt to credit the account and transfer funds to cover the debit transaction, Citizens Bank has continued to charge my account multiple overdraft fees of {$37.00} and subsequently began charging me " sustained overdraft fees '' of {$30.00}, seemingly every other day. This is so ununscionable, it's mind-boggling. 

This experience is really causing serious hardship for my finances and my mental health. 

I am already being impacted by reduction of income and funds due to COVID-19 which has now been exacerbated by this fraudulent activity that appears to have been caused by lax security systems on the Citizen website.