23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

What happened - I have changed my legal name through court order - On XX/XX/2020 I used my new legal name to enrol and was eligible for US Bank 's " Because you've earned it '' program that required identity and credit worthiness check and provide customers with a high credit score benefits, including no maintenance fee for their Gold checking account - US Bank was also offering a sign-up cash bonus for new checking accounts using a special online code. 
- On the same day, I submitted an application to open a Gold checking account with the sign-up bonus code and using the same personal information vetted earlier. The application was declined due to " problems to verify my identity '' - I then called US Bank and the agent informed me that I should go to a branch to provide more information about my identity so that my application could be approved. 
- On XX/XX/2020 I went to a branch in XXXX XXXX, California. I explained the situation to the bank teller, I provided my driver 's license, social security number and signed court order. The bank teller took copies of all documents and told me that I'd need to return at a later date, since the branch manager was unavailable. 
- Some days later, I received a call from the branch manager asking me to bring original documents to the branch so they could open my account. During my visit, the branch manager mentioned that my online application was declined and I should file a new application. However I would not be eligible for the promotional sign-up bonus. 
- Since I was eligible and wanted the sign-up bonus, the recommendation was to go back home and file another application online. The bank agent at the time suggested filing the application with my former name. 
- On XX/XX/2020 once again, I checked my eligibility for the " Because you've earned it '' program and since I was still eligible, I filed another Gold checking account application. At this round, I used my former name. This time the application went through without a denial. 
- After four days without a response, I called US Bank on multiple occasions and learned that my application was " under review ''. 
- On XX/XX/XXXX, I finally got a denial email stating the bank could not verify my identity and the application was declined.
Product: Checking or savings account

Someone somehow get the log in information from my email and checking account. This person log in my Chase checking account on XX/XX/2021 and deleted my cell phone number and added this person number to my account online. This person tried many wire transfers on XXXX XXXX but they were cancelled by Chase. However, Chase allowed a wire transfer of {$30000.00} to XXXX on XXXX XXXX and this person tried two more but the account was locked due to unusual activities. On XX/XX/2021 I logged in my checking account and found out it was locked. I called Chase to know why and they asked if I transferred {$70000.00} from Saving to Checking and wire transferred {$30000.00}, I said I did not and they transferred me to Fraud Department to look at this problem as I realized my email and Chase accounts already hacked. Chase already knew something unusual activities from my account by changing phone number to a number in Texas and many attempts of wire transfers but they allow hacker to take out {$30000.00} from my account without security checks. I reported unauthorized wire transfer on XXXX XXXX and submitted a sworn statement to Chase via mail but until today, I called and they said it takes at least a month to investigate. I wonder why it takes so long to take action to recover stolen money and it's not small, XXXX is nearly my yearly income.
Product: Credit reporting or other personal consumer reports

You're in violation of the Court 's order to remove this item from my credit. I have disputed this account with the Dept. of Ed, my attorney, the Judge on the case, you numerous times and the Ombudsman for the Dept. of Ed so many times, that I'm tired of it! Equifax is the ONLY CREDIT BUREAU reporting this information and has since XX/XX/2024, when the remaining student loan accounts under XXXX XXXX, who is a defunct government loan servicing company no longer in business. The Dept. of Ed canceled their contract and they went under! There is no way to dispute it directly with the company, so you need to follow suit of the other 2 bureaus and do what the court ordered the Dept. of Ed to do : REMOVE ALL STUDENT LOAN DEBTS FROM THE STUDENT 'S CREDIT REPORTS PER THE SETTLEMENT OUTLINED BY THE JUDGE ON THE CASE! There are no other student loans reflected on my credit report ANY WHERE! Just you!
Product: Credit card or prepaid card

There was a Bank of America credit card opened in my name on XXXX.
Product: Debt collection

Someone rented an apartment in XXXX, Florida in my name. They did not pay for the apartment and they ended up owing the leasing company {$7500.00}. This showed up on my XXXX credit report and is making it hard for me to rent an apartment. The only time I ever lived in Florida was when I was about XXXX XXXX XXXX, so there is no way this could have been me. 

Later on, someone rented an apartment in XXXX, GA, in my name. Again, they did not pay their rent and ended up owing the leasing company {$21000.00}. According to my credit report, the date of first delinquency was XX/XX/2019. At that time, I was living in XXXX, GA, where I attended the University of Georgia for XXXX years to earn a XXXX XXXX. So again, I was not living where this apartment was rented and this could not have been me. 

I am trying to rent a new apartment now and this history of identity theft is making it impossible for me.
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 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, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$2.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$300.00} ; XXXX XXXX  Balance Owed : {$10000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Others frauded my documents 50 states wide and for retailers store 's post data terminals Others frauded scams documents for sinage and building permits business Others frauded my documents as herds of inventory SKU number Others frauded my documents as church groups and pasters and preacher Others frauded my documents as schools and colleges and universities and teaching staff 50 states grocery store products using XXXX XXXX products 50 states dinner menus using XXXX XXXX 50 states semi trucks CDL license and semi truck business permits Frauding scams XXXX and XXXX XXXX and others dictionary companies Fraud scams using singers and bands and actors Frauding scams using attorney and lawyers and judges listings Fraud scams using XXXX XXXX Frauding scams using XXXX XXXX XXXX   permits and vice president Fraud scams using 179 locations of XXXX XXXX reaction and XXXX XXXX Fraud scams using XXXX XXXX   Frauding scams using XXXX XXXX XXXX Frauding scams using XXXX as politican listings Frauding scams using XXXX XXXX in Florida Fraud scams using XXXX XXXX Fraud scams using XXXX as insurance company workers Fraud scams using XXXX XXXX XXXX in Georgia State Frauding scams using XXXX XXXX XXXX XXXX Fraud scams using brand advertising for retailers store 's advertising frauding my documents my family 's serial numbered XXXX XXXX record Fraud scams using XXXX police Fraud scams using XXXX XXXX Fraud scams using building permits using XXXX Fraud scams using racing Frauding scams using my documents Frauding scams using XXXX XXXX   Fraud scams using XXXX XXXX XXXX  Fraud scams using XXXX XXXX in Florida Fraud scams using XXXX products
Product: Debt collection

I am a XXXX and I was offered a XXXX XXXX that was a scam. I immediatey made a police report to my local police department so they could follow up and investigate on the case. I assumed this case my fraudulent before it occurred and made a report to Bank of America in case fraudulent activity occurs. I have evidence of everything and presented it to them. However, I still got held responsible for the {$5000.00} taken out of my Bank of America checking account.

I then proceeded to closed that account with BOA because they did not protect me and I did not want to do business with a company who does not protect me or the money in my bank accounts.

Due to this, they have now taken this issue to the debt collectors saying it is " account abuse '' on my end. After the fraud occurred and they didn't want to help me, I switched my banking to XXXX right after and went to XXXX City Hall of Justice where I was advised that I would need to sue Bank of America. A XXXXXXXX XXXX representative also stated because I had a police report they for sure should I tried to help retrieve that money back. 

Now I am in pursuit of getting this fraudulent debt off and taking legal action against Bank of America. 

I also have more documents related to this case I can fax to you if necessary.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provide evidence to furnishers, accepting unreliable response. and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, where Experian has nether corrected nor removed disputed items. causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts as Experian 's inaction violates federal law and my right as a consumer
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- - 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Debt collection

Received letter dated XX/XX/XXXX stating debt of {$45.00}. Received letter dated XX/XX/XXXX stating debt of {$86.00} and another letter dated XX/XX/XXXX stating debt of {$49.00}. I have no idea what this is for. These are the only communications I have received from this TRS Recovery Services. Please advise ASAP. Thank you! 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX and XXXX has told three different credit scores and told me to pay a membership fee to see my credit. Also had me send in my personal information to fix my credit
Product: Credit reporting or other personal consumer reports

Experian data XX/XX/2024 The credit reporting company Experian shows several incorrect and irrelevant addresses, misspelled names and a phone number that are no longer relevant and/or are not my most recent address. I attempted to have them removed and was told that previous addresses are relevant to my report. The only name, address and phone number should be XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX. 

Please remove ( 1 ) XXXX XXXX XXXX XXXX XXXX pa XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX pa XXXX ( 3 ) XXXX XXXX XXXX XXXX XXXX pa XXXX ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has misreported this account in blatant error and violates the provisions of the FCRA and must be removed from my credit report for inaccurate reporting. 

This account is reporting Date open : XX/XX/2018, additionally this same account is reporting a 60 Day Late Payment XX/XX/2018 this information is inaccurate and inconsistent based on if the account was opened in XXXX, it is not possible to be late 60 days in XXXX. Please remove this account immediately!!! 

XXXX XXXXXXXX XXXX has supplied information to Experian that it knowingly inaccurate. Experian has failed to conduct a reasonable investigation of my dispute and I am asking for the following ; DELETE INACCURATE ACCOUNT, INCOMPLETE, OR UNVERIFIABLE INFORMATION WITHIN 30 DAYS ( OR 45 DAYS IN SOME CASES ) OF RECEIVING NOTICE OF MY DISPUTE My rights have been violated under the FCRA, I am entitled to seek actual or statutory damages, recover attorneys fees and court costs and request punitive damages. 

Experian is required by law to do everything in its power to accurately gather and report accurate consumer information.
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C 1681 ), I hereby formally request the removal of certain unauthorized credit inquiries that have appeared on my credit report. After careful review, I have identified that the following inquiries were made without my express consent or in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX EQUIFAX XXXX XXXX I hereby notify you that the information reported in my credit report contains errors. Pursuant to the Fair Credit Reporting Act ( FCRA ) section 611, I request that you initiate an investigation into the following entries that I believe to be inaccurate. 
My name correct : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax )
Product: Checking or savings account

Capital One Bank the account was closed in XX/XX/2022 by Capital One due to a decision to end their business relationship as a result of an internal review conducted by Capital One. The review was based on transactions that occurred within the account. The balance at the closing of the account is and is currently {$46000.00}. After numerous calls and visits to the branch, the explanations of releasing the funds due to the account holder are inconsistent. Capital One is giving the account holder a difficult time releasing the funds.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX,, XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Formal Notice of Inaccurate Reporting and Violation of FCRA 1681 ( e ) ( b ) Dear XXXX XXXX XXXX XXXX I am writing to formally dispute the inaccurate reporting of the partial account, the number ending in XXXX ( I have also included my social security number and date of birth at the bottom of this letter ) to the credit reporting agencies. It has come to my attention that your company has been reporting this account as charged off repeatedly, although a charge-off is a one-time event that occurred on XX/XX/XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), 1681 ( e ) ( b ), furnishers of credit information are required to ensure the accuracy and completeness of the information they provide to credit reporting agencies. By reporting multiple charge-offs, you are providing misleading and inaccurate information, which constitutes a violation of my rights under this provision of the FCRA. 
I respectfully request that you : Immediately correct the reporting error by ensuring the account reflects the accurate charge-off status, with the correct date. 
Provide written confirmation of the corrections made to the credit reporting agencies ( Equifax, XXXX, and XXXX ). 
Cease all further inaccurate reporting of this account. 
If this matter is not resolved promptly, I have also filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue additional legal remedies to protect my rights under the FCRA. 
I expect a response and confirmation of the corrective actions within XXXX  days of receiving this letter, as required by law. You may contact me via mail or via email : XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX
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 and 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: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized inquiries on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ) due to identity theft. I have discovered several inquiries on my credit report that were made without my authorization, and I believe these inquiries were a result of identity theft. 

The specific details of the unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S. Code 1681c-2 ), victims of identity theft can request that credit reporting agencies block information resulting from identity theft. This section of the FCRA mandates that consumer reporting agencies must block the reporting of any information in a consumers file that the consumer identifies as information that resulted from an alleged identity theft. Furthermore, Section 611 ( 15 U.S. Code 1681i ) of the FCRA provides the right to dispute inaccurate information on credit reports. Under this provision, credit reporting agencies are required to investigate and correct any inaccuracies found in a consumer 's credit report.
Product: Vehicle loan or lease

I am filing a complaint with the Consumer Financial Protection Bureau regarding XXXX 's sale of a used vehicle to me, valued significantly above its reported market value, and the unethical practices of SANTANDER Bank in financing the purchase. Despite realizing the discrepancy, SANTANDER Bank has consistently imposed exorbitant late payment fees, making it impossible to keep up with payments, with the majority going toward fees rather than reducing the principal balance. Despite my request for a copy of the contract to validate these charges, SANTANDER Bank has been dismissive and uncooperative, instead pressuring me into making additional payments. This behavior, coupled with threats of repossession, suggests fraudulent practices by SANTANDER Bank. Immediate investigation and action are warranted to rectify this situation and protect consumers ' rights.
Product: Vehicle loan or lease

I don't know the company that is one the report. I never signed my original lease with this company and they showed up and took vehicle off of my property with no warning or letter. Also they placed a balance on my credit report but I have no idea who they are and with no notice never knew of anything that was happening with the vehicle. I have tried to dispute the information one the report as well as tried to see who the company was. I called the original lease holders and was unable to get anyone one the line. They involuntary repossessed the vehicle and due to the false information that was placed on credit report has made it hard to get another vehicle that is needed badly in home due to medical condition.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, trans cra violation inaccurate infomation i enclosed in my report XXXX and XXXX po report enclosed aslo
Product: Checking or savings account

I registered for Marcus by Goldman Sachs 's {$100.00} savings bonus and met all the criteria ( deposit {$10000.00} and leave money in the account for 90 days ) and did not receive the {$100.00} statement credit bonus. 

I opened on XX/XX/XXXX, had to hold through XX/XX/XXXX, to be paid by XX/XX/XXXX. 

I reached out over 5 times to Marcus by Goldman Sachs now and have been told, " The promotion was failed due to some technical issue, but please be assured, it is being manually tracked and you will be receiving your {$100.00} cash bonus with in few business days. '' After waiting another week and reaching out again, still no bonus and no concrete update on when I will receive it. 

XXXX XXXX