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

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX XXXX XXXX XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXXXXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
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, credit repair services, or other personal consumer reports

XXXX XXXX added an account to my report that I was never notified about. The did not provide any letter to me notifying me of tis date. If they are contending that they did, I would like a Certified Mail return receipt validating same. This account is inaccuratley being reported on my Experian and XXXX reports. The most accurately reporting report would be my XXXX repot, which does not have this account listed. I have no knowledge of this account and ask that it be removed immediately as I was never notified in writing of this account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a right to place a security freeze on my credit report.
Product: Prepaid card

Starting XXXX XXXX 2015 I was not able to use my rush card to access my money due to what they called a update that was suppose to happen at XXXX and end by XXXX the same day. It end up going on for several weeks. I was locked out of my account my debit card was inactive for several weeks. My direct deposit was late. I also incurred late fees for bills that did not get paid because I have no access to my money. When I tried to call customer support I was hung up on every single time not even getting the chance to speak with anyone.
Product: Credit card or prepaid card

In the Document down load you will find dates ranging from XXXX/XXXX/2021 to XXXX/XXXX/2021. 

I put a time line together, then attached supporting documents. 

Please help if you can. CapitalOne and XXXX are acting unethical and not reasonable at all. They both fabricate information as you will see from picture 's and documents. 

I do not understand why companies such as CapitalOne and XXXX would try to pull scams as they have done with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, letters were mailed to Experian in order to get incorrect personal information removed from my credit report. 
In providing PROOF of identity, I provided my original birth certificate, social security card, police report for stolen wallet with all personal information inside, a utility bill for current address, as well as statement. 
I informed that my name is XXXX XXXX XXXX and has always been, XXXX XXXX XXXX. 
However, my report shows 16 different variations of my name, along with adding another last name, there are multiple misspellings.

There are also 20 addresses listed.

There is no way possible that I could have lived at 20 different locations In 7 years, with some being in different cities. 
There are even social security variations, as seen, using my daughter 's social security number, of which was stolen with wallet. 


It is my right as a US citizen to have this INACCURATE information removed from my report immediately, especially after providing the requested proof as stated on the company 's website. 

I have also provided proof, where this company has sent me two separate reports with two different spellings of my name. 
It has become apparent that this company IS NOT completing proper investigations. 

My letter was mailed from Louisiana XX/XX/XXXX, And a letter was sent in response to me,XX/XX/XXXX. 
How can one complete a proper investigation in such little time?
Product: Bank account or service

I was an account holder at Suntrust when I applied for a secured credit card in hopes of improving my credit. I was turned down. About a year later I was completing a transaction inside the lobby with a teller when she informed me " XXXX XXXX, it says here that you are pre-approved for our secured credit card ''. I was very surprised since I was turned down a year ago. I expressed my doubts to her and to another associate who had joined in the conversation. They both said that I was pre-approved and that it would only take a couple minutes to reply. Against my better judgement I allowed them to submit the applic. Well, sure enough I received the rejection letter XXXX days later. I feel that Suntrust lied to me, betrayed me, and mislead me. So instead of helping me improve my credit, they have probably made things worse for me. I filed my complaint with Suntrust and was assured that someone would get back to me. No one did. I called a XXXX time about XXXX weeks later and was given a case # and was assured that someone would get back to me. No one did. I called a third time and the CSR was not interested in my case # and insisted that I provide her all sorts of personal info despite the fact that I no longer have an account with Suntrust. It is quite apparent that Suntrust has no intention of discussing the matter with me.
Product: Checking or savings account

This company owes me {$28.00} ; they paid me {$370.00} -- -it should be {$400.00}! They sent this card over a month late! I had to cram 100 transactions with less than 30 days -- -so they blame me for being off by one day! If this company really cared about customer service, then they would issue me a courtesy credit of {$28.00} to my checking account! Here was the offer below : Get {$300.00} when you open a new personal checking account and make a direct deposit of {$500.00} or more within 60 days. 
Then, earn up to an additional {$100.00} when you use your newly issued debit card to make purchases. Earn {$2.00} for every qualified transaction within 60 days of opening your account.
Product: Debt collection

My girlfriend put my name on a leasing application with the possibility that both of us might live at these apartments together. I did not sign the application. We decided not to live together at the time, although she decided to lease an apartment at this complex. I did not. I never saw a lease, never signed a lease, and never agreed to any terms of a lease. Now the company is pursuing me for an unknown balance due, which has never been explained to myself or my girlfriend. She moved out at the end of her lease with no balance due. The property manager saw her, spoke with her, and waived good-bye as she drove away on the day she vacated, with no mention of any balance due, whatsoever. Now, Elite Financial is claiming I owe money. I was never a party to a lease at this complex, nor have I ever seen or agreed to any lease terms. I asked Elite Financial to provide a copy of a lease with my signature and they have not, yet they are pursuing me for unknown charges. I have never seen or signed a lease at this property and have no obligation for anything. When I spoke with Elite Financial, they refused to provide any documented evidence to demonstrate that I owed any money and they continue to make demand on me for some unsubstantiated balance due. Elite Financial refuses to provide any documentation as to the origin of the claimed balance due or any documentation explaining why I am responsible for an amount due. I have never dealt with such an unscrupulous company before in my life. Pursuing me for some financial obligation I never agreed to and refusing to provide any documentation to demonstrate why it thinks I owe money ... its a disgrace that this company is allowed to do business in this country.
Product: Credit card or prepaid card

On X/X/2017 I went to pickup eyeglasses at store. I only took 1 pair but was billed for 2.  Clerk took 1 pair off bill. It is now XX/XX/XXXX and second pair of glasses still on bill. I have called multiple times and they assure me charge is being removed but it is still on this month bill.
Product: Credit card or prepaid card

Applied for a Amex Blue Card - they denied. I do not desire Platinum. I feel AMEX is discriminating against me. I called wrote to CEO ... ... No reply.
Product: Credit card

On or around XXXX I have been having on going problems with making purchases I have reach out to both Card Member Services in XXXX XXXX XXXX in they both have failed o adress the following issues even after filing a former complaint with XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you DELETE the listed inquiries immediately. 
XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

As a federally Protected civilian/consumer/natural person I DEMAND these accounts be removed! The information listed which appears on my credit report, does not relate to any transaction ( s ) that I have made. You/reporting agency are in violation pursuant to 15 u.s. code 1692d ( 1 ), 15 u.s. code 1692j ( a ), 15 u.s. code 1692e ( 1 ) ( 2a ) ( 3 ) ,15 u.s. code 1692c ( a ) for helping to facilitate entities/companies to commit fraud. You/reporting agency are also in violation pursuant to 15 u.s. code 1681r for sharing/communicating my private civilian/consumer/natural person file to other unknown entities without my consent. If this is not resolved Within 30days of receiving the FTC Affidavit I will take lawful action ordering judgment against you and the Debt collector under 15 u.s. code 1692k for damages.
Product: Debt collection

How could you report this account accurate? If it already has been deleted from the other. If they cant validate it. How can you validate this account?
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/2018 - XX/XX/2018 ) DOE XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX Account XXXX : XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it immediately. 
XXXX there is some inaccurate information reporting. 
XXXX, XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX *please send any pleadings or motions to XXXX XXXX XXXX fax COUNTY COURT IN AND FOR XXXX XXXX COUNTY , FLORIDA CASE NO : XXXX CAVALRY SPV I. LLC AS ASSIGNEE OF XXXX PLAINTIFF NOTICE OF HEARING VS. 

XXXX XXXX XXXX Defendant ( s ) ______________________________/ TO : XXXX. XXXX XXXX  XXXX Attorneys for Plaintiff XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX ( XXXX ) PLEASE BE ADVISED that the above styled Plaintiffs Motion for Summary Judgment before the Honorable XXXX XXXX, Judges of the above styled Court at XXXX County Courthouse, on XX/XX/XXXX at XXXX : XXXX or soon thereafter as counsel can be heard. 
Defendant 's request a MOTION THIS CASE BE DISMISSED WITH PREJUDICE. 

PLAINTIFF FAILER TO SEND DEFENDANT DATAIL EVIDENCE REQUESTED XX/XX/XXXX PLEASE SEE ATTACHED A REQUEST MAILED TO PLAINTIFFS ATTORNEY ON MENTION DATE. DEFENDANT WOULD ALSO REQUEST THE COURT FILE FOR A FULL INVESTAGATION ON HOW THE DATE OF THE DEBET THAT TO THE BEST OF MY KNOWLEDDGE DOSE NOT BELONG TO ME. THIS DEBET WAS REMOVED BY XXXX   BUT WILL REMOVED AND PUT BACK ON BY THE PLAINTIFF USING A DIFFERENT DATE DEBET WAS OPEN XX/XX/XXXX KEEPING THE STATUTE OF LIMITATION UNDER 5 YEARS. 

I CALLED THE LAW OFFICE FOR THE PLAINTIF, ON XX/XX/XXXX, I SPOKE TO ONE OF XXXX XXXX, UNIDENTIFIED ASSISTANT, SHE TOLD ME THAT THE DATE DONT MATTER BECAUSE THE JUDGMENT HAS BEEN FILED AGAINST ME AND NOW THEY HAVE 20 YEARS TO COLLECT FROM ME. 
I MENTION THIS DEBIT AND DATE IS NOT CORRECT I HAVE EQUIFAX DOING A BACK GROWN CHECK OF WHO MADE THE CHANGE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX Mr. XXXX, I wanted to inform you that the package with the bank information was received Saturday, XX/XX/XXXX. 
The copies that were made are very hard to read. I was able to verify the date the bank shows that I stopped paying was not XXXX. 
As I mentioned to one of your associates that you never sent me any information about the charges on this account. Your associate told me your company had received a judgment against no reason to go to court. For this reason, I will request from the bank why they had reported the wrong date to give them more time on the statue of limitation. I will also file a complaint with the CFPB after I can confirm they have made a mistake reporting the wrong date. 

I would like a response from you as well to ensure me that also investigated with the bank to make sure they gave you the correct information to the judge. I will wait to hear from you before I send a letter to the courts. 

Best regards XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX Date : Fri, XX/XX/XXXX at XXXXXXXX XXXX Subject : Cavalry Portfolio /XXXX To : XXXX Good morning, XXXX, My name is XXXX XXXX and I obtained a letter from your law firm yesterday. The letter was about a court day for XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I submitted a domestic wire transfer for {$20000.00} from my account at Ally Bank to a XXXX XXXX bank account in XXXX XXXX for the benefit of XXXX XXXX. 

On XX/XX/XXXX Ally Bank emailed me with instructions to phone them. I did, and was told that the wire transfer had been cancelled because it was considered international rather than domestic and Ally does not do international wire transfers. 

It seems clear to me that wiring money to XXXX XXXX isn't international, but 75 minutes on the phone refused to convince Ally. For 60 minutes XXXX told me that it was considered international because I submitted it from a computer in XXXX, and then supervisor XXXX insisted that it was international because the company XXXX was initially founded in XXXX. 

This is clearly nonsense and I hope you can get an honest explanation.
Product: Debt collection

XXXX XXXX so keeps calling me over and over again after telling them to stop calling. They always insist on me giving them a date to call back but i do not want them to call. They call every single day and sometimes multiple times a day. I DO NOT WANT ANYTHING TO DO WITH THEM. They are annoying and will never get a penny out of me for being so annoying.
Product: Credit reporting, credit repair services, or other personal consumer reports

My LEGAL last name since birth is " XXXX. '' My step-fathers last name was " XXXX, XXXX but never mine and I have never used it legally or otherwise hyphened my last name. This last name of " XXXX '' is showing on my report multiple times is INCORRECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the bank removed me from the payable accounts that paid these loans and by XX/XX/XXXX I did not have access to their online banking system to view these loans at all. 

XXXX loan- XX/XX/XXXX order shows " father '' was ordered to make the XXXX payment, and again in the XX/XX/XXXX order. 
He never made the payments, so I was forced to. The following payments were made by me- XX/XX/XXXX check # XXXX $ XXXX by XXXX XX/XX/XXXX check XXXX XXXX $ XXXX by XXXX XX/XX/XXXX check # XXXX XXXX XXXX by XXXX ( the ticket notes this brought XXXX loan current ) XX/XX/XXXX check # XXXX $ XXXX by XXXX ( on time payment ) XXXX was repossessed without notice. ( no text, call, email, letter, verbal, or otherwise ) XX/XX/XXXX {$10000.00} check # XXXX paid off balance {$9700.00} for the XXXX. 
a reimbursement check for {$350.00} was issued to me from this total. 
The difference of {$400.00} is towing, storage, etc. I was charged for. 


The bank has a history of accepting late payments and never sent a Cobb letter to notify me of their intent to stop accepting them. 

The payments at this time were on time, and less than 30 days had passed since the previous up to date ) payment. ( note pay ticket on XX/XX/XXXX stating ( bring loan current ) and the regular scheduled payment made on XX/XX/XXXX. 

I received no notice of their intent to reposes the vehicle, and I did not receive documents on the day of repossession, they just took it while I was working and never notified me. I walked out of work at the end of the day and it was gone. I had to call the bank to ask if I needed to report it stolen or if they were involved. The vice president informed me they had taken it and all of my belongings were still inside of it. I was not notified when the vehicle was taken, although it was taken from my work, during business hours. 


HELOC account- XXXX order states " father '' is to make payments for this account also. House was sold on XXXX and credit reports show past due payments for XXXX and XXXX. 
XX/XX/XXXX was the lift of the peacetime emergency. XX/XX/XXXX to XX/XX/XXXX would not match the late payment statuses posted on my credit report. 
A peacetime emergency states on line 4. 

" Financial institutions holding home mortgages are requested to implement an immediate moratorium on all pending and future foreclosures and related evictions when the foreclosure or foreclosure-related eviction arises out of a substantial decrease in income or substantial out of pocket medical expenses caused by the COVID-19 pandemic, or any local, state or federal governmental response to COVID-19. Financial institutions are also strongly urged not to impose late fees or other penalties for late mortgage payments related to the COVID-19 pandemic. '' I left a copy of this information with the bank and they were going to consult with someone about removing the late payment statuses. They since stated they would not remove them.
Product: Credit reporting or other personal consumer reports

the credit companies are not complying with their own policies in a timely manner