23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I will start off by saying that I have a XXXX  % XXXX person and received benefits to that effect. 
XXXX XXXX I misplaced my liquid Chase Debit card. 
I Preformed corrective actions to stop the usage of this card. 
There is no way to get ahold of Chase at all these days apparently no matter what the circumstances are after XXXX XXXX. which is ridiculous. 
Previously I was able or anybody was able to go into a branch location and have a temporary card issued that worked. 
Now apparently they've made that impossible to do so therefore you have no ability to receive to retrieve money and let you go into a bank branch I am XXXX  % XXXX that is almost impossible to do. 
Explained my situation to the bank and let them know that this is unacceptable because advice as somewhere and I have no means to pay for let 's say a ride or whatever they put my life in danger. 
So finally yesterday I finally got them to agree to do anything and that was to expedite the card because they still had not even sent it after 5 days they were still processing it unbelievable. XXXX get expert I get through XXXX   which I received when I went to go activate the card through the phone number and the instructions they gave which I followed to the letter of the law meaning I dotted every I and crossed every T and these that it was activated but go to use it it wont-work there is no way for me to use his cart there's no way for me to get ahold of anybody this is unbelievably beneath contempt and I believe that this is a in my opinion their way of actually ... Retaliation which is against the law and I would like some kind of response from somebody that's in a position of authority that regulates these banks and their ways of doing business to have a conversation with me against the despicableness of Chase Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a continuation of account number XXXX, submitted on XX/XX/2021 closed on XX/XX/2021. 

Although the letter received from the company ( XXXX XXXX ) states that there indeed WAS a mistake and the account was duplicated and would be corrected, I have since received letters stating that there was not an error and no corrections would be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, would be the first time, in my XXXX years of life, that I would be using my social security for something unrelated to work or school. It would be that day when I had submitted a guaranteed to get apartment with our chosen residence. Unfortunately though, our profile had been flagged under my name. We didnt know what was wrong and the office of our complex recommended us to contact Equifax immediately because it was flagged due to fraud. And so we did. XX/XX/2023 would be the first day I called Equifax. The first agent I spoke to ( who was the MOST and ONLY informative agent ) told us we should fax my proof of documentation immediately, which included, birth certificate, social security card, check stub, and a letter explaining the situation. He also gave me the name of the individual that had a link with my social. So that same day my mom and I faxed my information down to Equifax. We were told it would only take XXXX hours for them to receive the fax. After the three days, we contacted them XX/XX/2023. Then we were told it should be processed by the next day. Guess what? No fax received. So when we called the next day, XX/XX/2023, we were recommend to instead mail all my information. So on the same day, XX/XX/2023 we mailed it. The agent told us it would take them about a week to receive and process it, depending on how long it takes them to receive the mail. So I paid for express shipping. They shouldve received it by XX/XX/XXXX. XXXX weeks went by, and as of XX/XX/2023, I had found out that Equifax had removed ME off of my own credit file. When I asked why, they told me that the other individual had a credit card and actual credit under the file, so they removed me. Even regardless of all the actual PROOF I sent them, they still removed me. They didnt even consider the fact that I just turned XXXX in XXXX, what credit would I have? So from there on out I cant check and see if there is any more fraud activity present under my report because they wont tell me anything because technically it isnt my social. A long the way, I also found out that instead of freezing my credit as a whole, Equifax froze me under my credit instead of the person who is using it as fraud. In result, I couldnt even report to XXXX or XXXX because of that. Because of Equifax my family and I were almost homeless. I was so frustrated that the only thing I could do was cry. I never felt so powerless in my whole life. I never felt so lost and so out of options. I sent a letter to Equifax three times. THREE TIMES. And all they did was give me the run around. It hurts so much to know when citizens experience things like this we literally have no where to turn, because where we are supposed to turn doesnt even do their jobs. I honestly want to sue Equifax.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX 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. Reporting a fraudulent account appearing on my consumer XXXX credit report which I do not recognize as reported and data breach which is the result of identity theft and fraud. These fraudulent accounts consists of a credit card accounts from XXXX XXXX XXXX XXXX opened around XXXX  2019 and another one around XXXX  2018, one at XXXX XXXX XXXX XXXX  around XXXX 2016. An Auto loan at XXXX XXXX XXXX XXXX around XXXX  2018, and XXXX XXXX XXXX around XXXX  2017. These accounts have resulted in several fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX l and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to the FCRA and FDCPA. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC XXXX XXXX XXXX Complaint XXXX ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of XXXX XXXX and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts, public record and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

3. Chapter 7 Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, 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 : XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Address - XXXXXXXX XXXX XXXX, AZ, XXXX Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, AZ, XXXXXXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I found several credit inquiries on my credit report that I have NO knowledge of. I followed the exact letter of the law and contacted the Credit Bureaus ( XXXX XXXXExperian/XXXX ) and disputed the validity of these Inquiries. I ALSO contacted the creditors directly. Several representatives informed me that the name as listed on the account did not match my name spelling or other identity indicators others could not provide me with any information about the alleged application because their firms DID NOT retain the information on this inquiry.
Product: Credit card

I believe the account is invalid. KIKOFF LENDING LL needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be remove from my credit & their records. KIKOFF LENDING LLC VA4O****
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX Account number XXXX and XXXX XXXX XXXX  Account number XXXX is not showing on my Experian report and it should be please fix this error
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$55.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$55.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$90.00} ; XXXXXXXX XXXX Inquired on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, SYNCB/TJX CO DUAL CARD add a hard inquiry on my credit report per XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am writing this message regarding unknown accounts in the report attached that suddenly from nowhere appeared in my credit report! They are not mine, they do not belong to any activity of mine, I do not know them I do not recognize them ... ... ... ... and I do not want to see them in my credit report. Why I have to have misleading information in my credit report??? Why somebody can just put these items and not take any responsibilities? Please take a look and make investigation as I do not not now the origins of these unknown items for me. Moreover, all of them are so visible in my report profile that I simply can not move on in my life.
Product: Credit card

A Capital One credit card was opened in my name in XXXX/XXXX/2013. I did not apply for this card and I never used the card. Capital One can has NO receipts with my signature. 

I am asking that this account be removed as it is not my account. I never applied for it.
Product: Credit card or prepaid card

Synchrony Bank, Care Credit Card, lowered my monetary limit on my care credit card. I understand the reasons, however I've always paid on this card and i've had it for almost 4 years, I think. By lowering the limit only made my balance of credit limit to what I owe on my balance higher and hurts my credit score which is what they used to determine this decision. This of course perpetuates the negative and unfair cycle. They do not take into consideration their customer 's loyalty, payment history, and other items like that to inform their decisions. I'm really dissapointed in this company for contributing to making life harder for those who apparently are trying hard to improve their situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit Reporting act, Account # XXXX XXXX XXXX XXXX, have violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( I DID NOT GIVE THEM WRITTEN PERMISSION ) 15U.S.C 1681 ( 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 crime which antedates the report by more than seven year
Product: Mortgage

Bank of America has an illegal lien on my property and is refusing to send me a lien release letter to have it removed. The mortgage, which precipitated the lien, has been paid off. On XXXX/XXXX/XXXX, a title was issued on a mobile home I purchased - Illinois Title number XXXX. My mortgage lender, XXXX XXXX Bank XXXX XXXX XXXX FDIC # XXXX XXXX, put a lien on the title for the received mortgage. According to FDIC information, XXXX XXXX Bank XXXX XXXX XXXX has been " merged or acquired without government assistance ''. The website states " see the successor institution, Bank of America , National Association XXXX FDIC # XXXX ). '' This proves that Bank of America is in fact the successor to this bank. Bank of America has denied that they are XXXX 's successor, and have told me that the bank is still in existence and that I should contact them. However, they can not provide me with a phone number or address for said bank. BofA has also stated that they need a title search, which has been repeatedly faxed. In request # XXXX to Bank of America, talking to XXXX in Mortgage Customer Service ( XXXX ), XXXX told me on XXXX XXXX, XXXX that I would hear about the matter by Friday, XXXX XXXX. In request # XXXX, I faxed to XXXX, a copy of a title search from the IL Sec XXXX XXXX 's office, a copy of a previous mortgage statement from XXXX ( a former name of Bank of America XXXX with loan number XXXX at the top, and a copy of the webpage from the FDIC website stating that Bank of America is the successor bank to XXXX XXXX Bank XXXX XXXX, IL. As I heard nothing by noon on Friday, XXXX XXXX, I called again and talked to " XXXX '' and asked her to message XXXX telling her that if I did n't hear back from her by the end of that day concerning that matter, I would follow through with a complaint to the OCC. I heard nothing. The effort to resolve this matter began around XXXX XXXX with efforts daily from both me and my title company XXXX XXXX XXXX XXXX XXXX, IL ). Bank of America has shown me nothing to show they still have any reason for continued interest in the form of a lien on this property. The mortgage was paid off in XXXX. On XXXX XXXX, XXXX, XXXX XXXX Bank was acquired by XXXX XXXX Bank. On XXXX XXXX, XXXX, XXXX XXXX Bank was acquired by XXXX, XXXX. On XXXX XXXX, XXXX, XXXX was renamed to Bank of America. I have mortgage statements and cancelled checks in the name of XXXX still in my possession, and have been faxed to Bank of America. The XXXX number of the mobile home is XXXX. The title number is XXXX. The loan number on my old XXXX statements is XXXX. Bank of America tells me that the mortgage is too old to still be in their system. It is on their burden to show that I still owe any money to them on this loan. Failure to be able to show that, the bank should produce a lien release letter. A title search has been supplied to them on multiple occasions, and proof that the loan landed in their hands has also been supplied through both FDIC information, and an old mortgage statement.
Product: Credit card or prepaid card

In XX/XX/2021, I received an email from Citigroup that I owe them {$60.00} in relations to the Citi/ AAdvantage credit card ending in XXXX, which I have never used. I called the bank and talking to an associate he said that this amount concerns the AAdvantage credit card. He told me he closed the account and I do not owe anything. I never received a confirmation email, and I trusted him. 
On XX/XX/XXXX, I receive another email from the bank suggesting that I owe them {$99.00}. At this stage, I made a payment and closed the account using the automated voicemail. Calling back to confirm, the automated voice mail indeed suggested that the account has been de-activated. 
On XX/XX/XXXX, I receive another email from the bank that I owe them {$60.00}. 

This is simply ridiculous! In all other banks, when I want to close a line of credit, this is completed relatively easily. This behavior is fraudulent, absolutely a scam. I do not trust working with the bank to get this resolved and I hope you can help me close the account. I refuse to pay any amount after my last payment on XX/XX/XXXX when I deactivated my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint today XX/XX/2019 because Experian has ignored my request to provided me with the documents that their company has on file that were used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank You.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in addressing inaccuracies being reported in my Equifax consumer report. Despite disputing these inaccuracies directly with Equifax, I am concerned that they may rely solely on automated verification systems, such as Automated Consumer Dispute Verification ( ACDV ), rather than conducting a thorough, reasonable investigation, as required under 15 U.S.C. 1681i.

Below is a list of the accounts with inaccuracies reported by Equifax that I am requesting to be investigated thoroughly : Accounts in Question : XXXX  Account Number : XXXX XXXX BANK Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX I request that Equifax go XXXX automated systems and ensure that the data furnishers provide accurate, verifiable, validated documentation to support the information they are reporting. 

Further, to maintain compliance and the integrity of information being reported, I request the immediate deletion of any accounts found to be reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked for verification of debt sent two letters with no response twice over 30 days. I have verification from recieve receipts from USPS -Reporting Act 611 ( a ) ( XXXX ) and Section609 ( a ) ( 1 ) ( A ) -Please be advised that under Section 611 ( 5 ) ( A ) ( 7 ) of the FCRA you are required to DELETE all information that can not be verified
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Whom it may concern, This is a formal letter to dispute and ask for removal of this account off all of my Credit Report. The Account is listed as XXXX XXXX XXXX XXXX XXXXXXXX. It 's a medical debt claiming I owe {$460.00} but they refused to provided documentation to me. I filed a complaint against them back in XXXX of XXXX they failed to respond to my complaint. I 'm tired of them reporting false information. I want this account removed off all my credit reports right away. 

Respectfully, XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX and I am submitting this complaint without any influence any third party or agency.