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

these companies will not give me my credit report, they have me mail in my identification and make it difficult to freeze these 3rd party reports. They need to be frozen immediately and the address, phone, email and work need to be updated, instead of all these fake addresses. Their websites dont allow me to freeze REPORTING OF ADDRESSES THAT ARE NOT MINE MY NAME IS XXXX XXXX XXXX MY ADDRESS IS XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX MY PHONE NUMBER IS XXXX XXXX XXXX MY EMAIL ADDRESS IS XXXX MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX my Jobs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


15 U.S. Code 1681i THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Product: Debt collection

There was not an applicable option to describe my issue. This is one of several complaints that I have against Portfolio. I always submit my complaints through the CFPB because this agency needs to be aware of this debt collectors tactics. Portfolio has responded several times to my complaints but they have not answered my single question. WHEN WAS THE DATE OF FIRST DELINQUENCY? Portfolio randomly picks dates and numbers to put on consumers credit reports without any regard for the FCRA. Enclosed is what Portfolio has put on my credit report. They have the date of first delinquency as XX/XX/2014 but the date opened is XX/XX/2014. I am not going away until my question is answered. If you cant answer it, you cant make up dates.
Product: Credit card

The credit card company representative told my wife that I have a bill that is past due on XX/XX/XXXX but I have not received a statement of the charges from the credit card company. I need an itemized statement of the charges they are requesting payment for. I do not do computerized statements. I am not sure how much money has been lost or when the loss occurred because I have not yet received a statement of charges. 

Secondly, my wife ( XXXX XXXX ) has been authorized on my credit card account for over a year. My wife informed the representative that we have not yet received a statement/bill and requested them while I was driving on XX/XX/XXXX ( see case number : XXXX ).
Product: Debt collection

I moved from a  XXXX   XXXX  's apartment in  XXXX  of   XXXX  . I turned in my key and all debt was satisfied. Since then the collection agency  Hunter Warfield has came after me with a total debt of {$3000.00}. This was a joint account in which I satisfied all debt obligations with the original creditor. This has previously been disputed and removed from my credit re port but was later added back.
Product: Credit card

I called Bank of America 's credit card department at ( XXXX ) XXXX on Saturday, XX/XX/XXXX, on or around XXXXXXXX XXXX PDT.  The XXXX XXXX XXXX system ( " XXXX '' or " automated system '' ) asked me to provide the last few numbers of my credit card. I provided the correct numbers and it gave me my balance. I then pressed 0 to get to a customer service agent. The system denied my request and said I must select a certain prompt. So I pressed 1. Then I pressed 0 again to request a customer service agent. The XXXX denied my request and then deliberately disconnected the call on me and said " thank you for calling Bank of America ... good bye. '' Bank of America 's XXXX is egregious. Under no circumstance should an XXXX deliberately disconnect on a consumer. This prohibits me from speaking to an agent to ask questions regarding my account and to make a payment over the phone. My specific questions are too complex for the XXXX and requires a customer service representative. In addition, this is not a one-time isolated event. This is a pattern and practice. I have complained about this to customer service agents in XXXX, XXXX and a few times in XXXX. Bank of America is ignoring my valid complaints and escaping accountability. So now I'm escalating my complaints to the : XXXX, OAG and OCC. Moreover, I recorded the phone calls so I can evidence the IVR deliberately disconnecting on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the same debt twice ... Once for XXXX XXXX and once for XXXX XXXX. The debt was sold from XXXX XXXX to XXXX XXXX so XXXX XXXX no longer has collection authority but the debt remains on my report under their name as well as XXXX XXXX. I have settled the debt with XXXX XXXX  and received a release letter. I have disputed this twice with Experian and they will not remove the XXXX XXXX debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting inaccurate late payment readings to my credit report. 
I sent a letter to XXXX XXXX XXXX XXXX  asking for proof that this account was late during the months that Experian is reporting and they sent a response letter stating that I was NEVER late during the months EXPERIAN is reporting to my credit report. I have attached proof of the verified information from XXXX  XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX. 
Account Number : XXXX This is not mine. 

4. Identity Theft TD BANK NA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX of Inquiry : XXXX XXXX This is not mine. 

7. Identity Theft XXXX/XXXX  XXXX  Date of Inquiry : XXXX XXXX This is not mine. 

8. Identity Theft XXXX/XXXX  Date of Inquiry : XXXX XXXX This is not mine.
Product: Debt collection

I had a credit card debt through XXXX XXXX bank that was turned over to midland funding that was then sent to XXXX XXXX. I paid XXXX XXXX but I can't get them to report the debt being paid to the credit bureau. XXXX XXXX has lied, made false statements. They are playing games with the consumer. How this company is able to operate is beyond me. I have falsified documents from their office. I've read numerous complaints regarding XXXX XXXX yet they're still in operation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report. After reviewing my report, I have identified accounts and a hard inquiry that I believe contain errors. I request an immediate investigation and correction of the following : Disputed Accounts : 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  Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), credit reporting agencies must ensure the accuracy of consumer reports. If these accounts and inquiry can not be verified as 100 % accurate, I request their immediate removal from my credit report in compliance with FCRA Section 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy.
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, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$200.00} XXXX XXXX  Balance : {$190.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$6000.00} FST XXXX XXXX  Balance : {$480.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$33000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} 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 or other personal consumer reports

I was involved in the large data breach of XXXX XXXX due to XXXX 's abject failure to secure our data, and was offered credit monitoring from Experian. When I tried to create the account, the site errored out and said it could not verify my identity. I called Experian multiple times trying to resolve this issue and was given the runaround. Excuses varied from " our membership system is down '' to a representative will follow up within 48 hours '' over many calls and emails. I finally gave up. I was at least able to freeze my credit using their phone system but that is small consolation. They have some of the worst customer service of any company I have ever dealt with, financial or otherwise. Truly incompetent and uncaring.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX  I received an email from a loan XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  wondering if I was still looking to purchase a home., later that day approximately XXXX XXXX. I started receiving various text messages and emails from XXXX XXXX and current credit cards that monitor my credit profile stating that my credit had been pulled by Credit Technologies , Inc in MI. I immediately thought I was a victim of identity theft as I had no knowledge of this company and I had not applied for any loans. I immediately phoned Credit Technologies , Inc to alert them that this was fraud as I had not applied or purchased anything and nor had I authorized anyone to pull my credit profile. The representative then asked me if I knew a company by the name of XXXX XXXX which was the company that requested them to pull my credit profile. I advised them that I would be disputing this inquiry with XXXX, XXXX, and XXXX as I had not authorized anyone at XXXX XXXX  to obtain my credit report. I hung up and called the loan XXXX which emailed me and left him a message, since I did not hear from him, I texted him at XXXX XXXX. he answered at XXXX XXXX. that he would look into it. Later that evening once I arrived at home, I disputed the hard inquiry with all the credit bureaus. I have emails and text messages that state they ran my credit in error and that they would remove the inquiry, but nothing has been done. My last email from the loan XXXX was on XX/XX/22 said he was asked to write a letter which he stated he wrote and would be submitting it later that day and the inquiry would be removed shortly thereafter. I have called all three credit bureaus as well as Credit Technologies who ran my credit and no one has received any letter stating from XXXX XXXX.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer. Capital One has citied technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Student loan

I have had my private student loan through XXXX and then navient. They would constantly call my house and my grandfathers house stating I was delequent on loans even though when you talked to them they looked at your account they seen it was current. Also have only a XXXX loan the interest is so high that i have paid almost {$200.00} a month for 5 years and still none of the principle has decresed. I also have federal loans im paying i cant afford a this payment that does not do anything but pay interest to this company. I can not build a life like this im XXXX and still have nothing to my name because of this. This company been a nightmare.
Product: Credit reporting or other personal consumer reports

I would like my name to reflect what it is not something entirely different.
Product: Payday loan, title loan, personal loan, or advance loan

Since XXXX of 2024 I have emailed affirmXXXX XXXX in regards to XXXX XXXX and to remove the accounts in question no response from affirm or XXXX XXXX I have sent numerous emails. I also advised the FTC for XXXX XXXX I also advised all XXXX credit bureaus of XXXX XXXX and disputed multiple accounts, Affirm/XXXX XXXX has not responded nor has removed the fraudulent accounts from my credit reports. I have to this date never heard back from affirm/XXXX XXXX in regards to my disputes and numerous emails regarding accounts being hacked, including my emails, bank acccounts, online accounts, cards. I am not responsible for these accounts that were fraudulently obtained using my personal information.
Product: Credit card or prepaid card

I received a fraud alert on XXXX by XXXX asking me to contact Bank of America. I contacted Bank of America, and they said there was nothing on record. Days later I received a 'welcome to the neighborhood '' email from Bank of America XXXX Someone had opened a credit card with my old name and address. I immediately contacted Bank of America, who proceeded to give me the runaround for almost 3 months. They eventually closed the card, but took months to report it back as fraud to the credit bureau and have since sent forms and letters to all of my wrong addresses with wrong names. I put a freeze on my credit, but the way that Bank of America has handled this has been dreadful. I have had XXXX managers involved and they still couldn't get my name and address correct on their records. 
They assure me it has now been rectified, but I still have no confirmation. 
Bank of America should be ashamed of themselves.
Product: Credit reporting or other personal consumer reports

I sent a communication to JP Morgan Chase Bank XXXX XXXX XXXX, regarding my option to opt out of having my nonpublic personal information shared/reported to any credit bureaus including XXXX, XXXX and XXXX. In regards 15 USC Code 6802, it states that : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party ( JP MORGAN CHASE AND THE BUREAUS MENTIONED ABOVE ARE NOT AFFILIATED ) any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( They NEVER gave me this information/option ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Again, they never gave me that option when the transaction was initially done ).

*Also see ; 12 CFR Part 1016 Subpart A* They DID NOT give me full disclosure when the transaction initially took place, which is misleading and fraudulent.

NONPUBLIC PERSONAL INFORMATION MEANS : personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution.

NON AFFILIATED THIRD PARTY MEANS : any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.

I am demanding that this information that I choose to no longer have shared with the bureaus, be removed from all of my credit reports immediately. In addition, compensation for their violations of the law and making my life difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing things on my credit report and just yesterday my score XXXX TU XXXX XXXX XXXX XXXX I went to check it again because I am currently rebuilding and low and behold my TU dropped XXXX points and there were no changes on my report. I do n't have any new accounts, nor have the age changed on any of my accounts. My Credit Card usage is under 30 %. The CB are trying to discourage consumers into disputing anything on their report and this is not fair. I 've been working hard to acquire a higher score because I would like to buy a home. This is such a discouragement. In the attachment I understand these are XXXX Scores yet it still was a tremendous drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy XXXX 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 Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : 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: Credit reporting, credit repair services, or other personal consumer reports

I have called Capital One Credit card services XXXX separate times that I am not the one summiting credit card applications to them. However, the applications are still going through causing hard inquiries on my account. 
I would like the inquiries removed form my account. My wallet was stolen XXXX XX/XX/2022. There is a police report filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had one open credit card with XXXX XXXXXXXX XXXX for which my online account was set up with automatic payments of the minimum payment monthly. In XXXX, XXXX, I was offered another credit card and a new account was opened and added to my existing account with auto pay. I didn't use this card at all for the first few months but was being charged a XXXX XXXX monthly fee. By XX/XX/XXXX, I got an alert that my payment was past due. When I contacted XXXX, they said that they made a business decision to do away with offering automatic payments for clients, but that those who had auto payments already established were grandfathered in. 

My new card was added to my existing online account and I under the impression that auto payments were also applied to my new card. I disputed this 30 day late notice on my credit report through experian, but it's still showing up on my credit reports as 30 days past due which has negatively impacted my ability to obtain a XXXX loan.