23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act. The Lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account name XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section : 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing you this notice to update the information in my consumer report. See below for my accurate personal information. 

Full Name : XXXX XXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX I have lived at this address since XXXX, XXXX Telephone : ( XXXX ) XXXX Please correct my personal information and remove every other information different from the information provided above from my consumer report and mail me an updated copy of my consumer report. 

I appreciate your prompt attention to this matter, and await your reply
Product: Checking or savings account

USAA Bank opened several fraudulent accounts in my name by someone who stole my identity. I have made USAA bank aware that these accounts were opened as a result of fraud, but they have done nothing to resolve this matter. They are reporting to XXXX XXXX XXXX agency that I have had derogatory accounts with them, when I in fact have never had any accounts with USAA Bank. I was the victim of identity theft in 2010 and every since then I have had multiple bank accounts, credit card accounts, and other accounts established in my name by the person who stole my information. I have contacted USAA bank multiple times and made them aware of this situation but they have done absolutely nothing to resolve this. They continue to ignore my requests to remove these fraudulent accounts out of my name, and continue to defame my character by reporting this fraudulent information to XXXX XXXX XXXX when they know and have been told in writing, and by phone that these accounts are fraudulent. 

XXXX XXXX has also been made aware that these two accounts were fraudulent but they have done nothing to resolve this matter either. They tell me to contact USAA Bank, and I have done that countless times, but it is them that is reporting this fraudulent information to other creditors that is causing me not to be able to open accounts in my name. XXXX XXXX XXXX has informed me that they will not stop disseminating this fraudulent information unless USAA Bank tells them not to. 

Both USAA Bank and XXXX XXXX are complicit in defaming my character and ruining my ability to obtain banking products in my name due to these fraudulent accounts that were opened in my name with out my knowledge or permission. They have both been informed of this matter and neither of them have been willing to assist me in removing this fraudulent information from my names and this constitutes a violation of the laws that govern credit reporting. 
1st. ) Routing XXXX Account Number XXXX 2nd. ) Routing XXXX Account Number XXXX
Product: Credit card or prepaid card

On XX/XX/2023 I filed a dispute against Walmart with Capital One over an XXXX  car battery that I purchased at Walmart. Under the law, Walmart is required to charge a refundable battery core charge which is refunded when the customer brings in an old battery to recycle. Walmart refused to return the core charge to me at customer service - I even called their XXXX number and nobody would help me, so I reached out to Capital One to file a dispute to recover the core charge. 

Capital One denied my claim when I provided all of the documentation that I had from Walmart. The problem is that Walmart commingles the core charge in with the sales tax on the receipt. I provided Capital One with my breakdowns on the receipt with the subtotal, along with the PA state mandated sales tax of XXXX XXXX. The difference in sales tax between my calculation and Walmart 's number is exactly {$12.00}, which is the refundable battery core charge. Capital One told me my claim was denied because I needed to get a receipt from Walmart with the actual breakdown. How am I supposed to get a receipt with the sales tax breakdown when Walmart doesn't respond to me or want to work with me? Isn't that the point of having credit card protections in the first place??? I also wasted XXXX cents sending my claim in to Capital One because nothing with the claims process was done online, adding more time onto the process. 

I am asking that Capital One refund me the {$12.00} that they are supposed to as it appears they did not even bother to work with Walmart to fix this issue.
Product: Credit card or prepaid card

Discover closed both credit cards I had with because I missed the deadline for this company to do a irs consent form for my taxes. I was told this could be fixed by doing the IRS consent form 4506-c from XXXX. Since I know I did my taxes in 2020 I went ahead and submitted the form back on the XXXX of XXXX. I waited for a month and haven't gotten no response from neither the IRS or discover. After not getting response I was told I would have to restart the process so, I did the submission for the 4506-c form again on XX/XX/XXXX, the same exact process that discovered required which was via email. Once again, I've waited another month expecting a response from someone and took the initiative to call discover on a weekly basis about this matter. Every representative told me that it's processing and to wait. This issue is still continuing till today, I've called discover again and they had me repeat the process for a THIRD time and I made sure it everything was correct by going to my 2020 tax transcript. I called IRS trying to see if I can figure out why it is taking so long for a response when I was told it usually takes 14 business days, whereas, I'm having to wait 3+ months. Discover has really put mine a bind with this situation and I really need this to be resolved with my accounts being reopened especially when I'm trying to do my part on the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXX XXXXXXXXBalance {$3900.00} XXXXBalance {$0.00}
Product: Mortgage

I have sold my property and am closing on XX/XX/27. Rocket Mortgage has called me several times trying to convince me to obtain another mortgage. The initial call indicated that they had " seen '' that I was looking to make a purchase. That is a lie and is based on the assumption that if I am selling one that I must be buying another. The most recent call said that they were calling to see if I could get a better deal on my existing mortgage. When I said that it was being paid off next week, the caller aggressively interrogated me about why I wasn't making another purchase. She asked me why I was renting and " what it would take '' to get me to make a purchase. 

It's none of her business, but one of the things I mentioned was the market being poor for real estate right now and she responded by saying that real estate investments would earn more than current interest rates. I then asked her if she was a registered investment adviser to which she responded that she was very knowledgeable about real estate. 

I have received multiple calls now from Rocket Mortgage, two of which questioned my decision not to purchase real estate and asking me " what it would take ''. Even though I told the first one that I was not going to be in the market for at least a year, I have received additional calls. These seem like inappropriate and aggressive sales tactics. Because the same tactics and phrases were used by multiple agents, this is not an isolated bad actor.
Product: Payday loan, title loan, or personal loan

I have a line of credit with Ashley Furniture store for almost a year. I have not missed one payment. I applied for the COVID-19 relief program just because I was out of work for two months due to my job temporarily closing because of the Corona virus. I got a letter in the mail from Ashley stating that they lowered my credit limit amount just because they have the right to do so. I called Ashley Furniture customer service and got the same response as the letter. They stated the company has a right to lower my credit limit, if they deemed it necessary. I have not a missed a payment, so I don't know what warranted them to lower my credit limit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX ACCOUNT NUMBER XXXX OPEN DATE XX/XX/XXXX, XXXX account number XXXX open date XX/XX/XXXX, XXXX XXXXXXXX account number XXXX open date XX/XX/XXXX, XXXX credit camping world XXXX XXXX XX/XX/XXXX XXXX, XXXX open date XX/XX/XXXX, XXXX XXXX open date XX/XX/XXXX, XXXX XXXXXXXX open date XX/XX/XXXX, XXXX XXXX open date XX/XX/XXXX, XXXX open date XX/XX/XXXX XXXX open date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, INCORRECT XXXX XXXX XXXX XXXX Pl., XXXX XXXX XXXX, XXXX SW. XXXX XXXX, XXXX, FL XXXX XXXX SW. IS XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX SW. XXXX XXXX XXXX XXXX XXXX FL XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, hard inquiries and addresses are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, hard inquiries and addresses are the result of identity theft and fraud.
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 : Unknown Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name XXXX XXXX  Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXXccount Name : 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: Mortgage

I was denied a mortgage loan. I started the application process on XX/XX/XXXX. The loan closing date was moved to XX/XX/XXXX. The reason for denial of the loan from BancorpSouth was sited as my current position of XX/XX/XXXX fellow has an end date of XX/XX/XXXX. I have worked steadily as a XX/XX/XXXXfor the past ten years. I started my current job as a XXXX XXXX  fellow in XX/XX/XXXX. I applied for a conventional loan with 20 % down. My credit score, assets, and wages were satisfactory. BancorpSouth was aware of my current job when I applied for the loan on XX/XX/XXXX. I received a call from XXXX XXXX, loan officer, at XXXX XXXX XX/XX/XXXX stating that BancorpSouth would not approve the loan for the above stated reason. I spoke with her on XX/XX/XXXX XX/XX/XXXX to assure that the loan would close on or before XX/XX/XXXX because the initial closing date was changed due to BancorpSouth. I was told that it would surely close before XX/XX/XXXX by XXXX XXXX. I paid for the appraisal through BancorpSouth. The appraisal was satisfactory. XX/XX/XXXX is the day before XXXX ; the next day, XXXX, which is a holiday, the bank would be closed. I was told on Wednesday, XX/XX/XXXX at XXXX XXXX that BancorpSouth would not approve the loan. The closing date was scheduled for XX/XX/XXXX, XX/XX/XXXX.
Product: Debt collection

this company called numberous times and asked for settement in XX/XX/2015, which i complied and paid.
Product: Debt collection

On XX/XX/2022 at XXXX a debt collection company emailed my mother regarding a very old credit card account. My mother is not and never has been affiliated in any way with this account. The email disclosed the bank name as XXXX  XXXX XXXX XXXX XXXX account ) and a debt amount of {$2300.00}, for which the collection agency was seeking recovery. Additionally the email named a XXXX XXXX XXXX as the current creditor - even though I have no relationship to or knowledge of XXXX XXXX XXXX. Again, I want to restate that my mother has never been authorized for communication regarding this very old credit card account ( in fact the email address she uses wasnt even in existence when this account was originally opened ). 

Further more, the account in question is no longer collectible as the statute of limitations for the agreement governing this account has elapsed. I no longer owe the balance state ( which I am unable to verify ) ; it is no longer collectible and ceased to be collectible SEVERAL years ago. 

None of this information was provided to me - rather it was sent to my mothers email address ( again, which I have never used or authorized for any communication ). I am not currently a minor, nor was I at the time the account in question was opened.
Product: Debt collection

I received two phone calls one from a young lady indicating that she works for XXXX XXXX XXXX and a process servicer came to my mom 's house to serve me for a civil suite . She told me to call XXXX and speak with XXXX as she was handling my case # XXXX XXXX indicated that a Notice of Demand from XXXX now XXXX XXXX . She did not inform me that she was a debt collector attempting to collect a debt. Furthermore the debt she is attempting to collect is from XXXX and was discharged in my XXXX bankruptcy.
Product: Credit card or prepaid card

I am filing this complaint against GENESIS FS CARD SERVICES, INC.. 

I have been corresponding with this company since XX/XX/2021. 
After numerous correspondence GENESIS FS CARD SERVICES, XXXX has closed my account which is an adverse action and a violation of 12 CFR 1026.13 ( d ) ( 3 ).

After careful study of Title 15 Chapter 41 I was appalled to find out that I had entered into a fraudulent agreement with XXXX XXXX XXXX which is serviced by GENESIS FS CARD SERVICES , INC . 

On XXXX XXXX I sent Notice to GENESIS FS CARD SERVICES, INC. by sending an Affidavit of Revocation of Signature, an Affidavit of Truth, a Cease and Desist, evidence proving the violations commited and a Bill of Particulars as an invoice ( which I have provided as Exhibits ). 
I stipulated that since I was misled by not having previous knowledge of what constitues a complete contract I asked the company to zero out the balance of the account, I asked them to keep my credit line open and pay the positive balance to me as well as the amount in my Bill of Particulars.

The company responded by putting my account in a dispute status where bill payment wasn't due ( which was proper ) and they sent me an Affidavit of Identity theft to send back to them.

When I received their correspondence I instead sent back a Notice of Billing Error and an Affidavit of Identity proving that I am a Natural Person. In the Billing Error I stipulated what documentary evidence is as defined in 15 USC 44. I asked them for clarification and to provide who funded this account as well as what is owed according to their journal and ledger entries. They received this notice on XX/XX/2021. 

XXXX XXXX XXXX XXXX, XXXX responded by removing all reporting from the credit agencies and they closed my account. 

This is an adverse action as codified in 12 CFR 1026.13 ( d ) ( 3 ).
Product: Credit card or prepaid card

Last year, I opened a credit card with Barclays that earns frequent flyer miles from XXXX XXXX. On XX/XX/2020, XXXX XXXX shut down my frequent flyer account and sent me a generic form email with no information as to why I was shut down. XXXX XXXX has confiscated over XXXX frequent flyer miles in my account earned from using my Barclays credit cards. I applied for this credit card in my own name and was vetted through identity checks and credit reports by Barclays. I used the credit card daily for purchases and earned frequent flyer miles. Now, Barclays says that it is 100 % not involved in the decision by XXXX XXXX to close the accounts of many frequent flyers. Barclays has engaged in deceptive practices towards its customers by luring customers into new credit card products and offers to earn miles by spending money on their credit cards, then XXXX XXXX confiscates those miles, robbing the consumers. Barclays claims it is uninvolved in this process, yet they are the ones offering clear terms ( do this, earn x miles ) and then allowing consumers to be robbed by XXXX XXXX. Barclays claims ignorance about their own credit card products and allows XXXX XXXX to steal from its customers. I have filed a complaint with DOT against XXXX XXXX for stealing from me. I am now filing a complaint against Barclays for deceptive practices ( promising rewards and allowing them to be stolen ), for bait & switch, and for misleading marketing campaigns to dupe customers into entering into contracts Barclays fails to honor or to enforce in any way. Barclays claims ignorance regarding its own products and refuses to protect its own customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified all 3 credit reporting agencies ( XXXX, XXXX  and Experian ) that the Chapter XXXX   Bankruptcy was an error starting with the court. My husband filed for a joint Chapter XXXX but I asked to be dismissed at the meeting of the creditors. The trustee agreed to remove me and allow my husband to go forward. Many trips later to court I found out I was never removed. I was able to finally get the judge to dismiss my case but it was 2 years later! I disputed my credit bureau reporting numerous times. I even submitted my court paperwork as well as 2 years of my on time mortgage payments. All during this time my mortgage disappeared off my report, then reappeared then was removed, my open credit cards were saying they were part of a bankruptcy and I was unable to refinance my house. Im being first punished by a court error then the credit reporting agencies for reporting information that is not correct. I cant get ahead with my credit because all my hard work ( mortgage ) is no longer reporting. Im asking for my Chapter XXXX   dismissed case to be removed from all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report and/or score hasnt been updated on Experian website since 2018. I had subscribed to their membership offer and when I terminated the membership my information hasnt updated since. I spoke with a representative in the membership department concerning the matter. I was told that the report cant be updated because they need a photo ID but Ive sent Experian several copies of my ID with my dispute and/or method of verification letters. I want to be treated fairly as a consumer. I can only see old information and credit alerts. Ive attached a picture.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to the credit bureaus that there was a discrepancy on my account but I am not getting any response after 30-45 days filling the dispute. 

below are the information that i wanted to be removed : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX
Product: Checking or savings account

Simple bank closed and customers were to be transferred to BBVA on XX/XX/2021. Still can not access my account.
Product: Credit reporting or other personal consumer reports

Transunion is reporting inaccurate information on my credit even after I have sent them proof that the furnishers they claimed verified the account sent me letters saying they do not and did not verify or update this account and XXXX removed it because they couldn't verify it. I sent both letters in to Transunion pointing out the inaccuracies and the letters of proof and they still said they verified the account which is imposable.