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

My personal information was stolen/ missing a few years ago. As the result, around XXXX, someone had used my identities ( SS Card, Driver 's License, etc. ) to open an account with XXXX XXXX XXXX, as I was told. This matter was reported to the police and the XXXX. XXXX XXXX XXXX was also notified. Following a series of investigations, XXXX XXXX closed and marked the account, FRAUDULENT/ ID THEFT. However, XXXX XXXX continues to harass, threaten, and seek to extort {$1400.00} from me. I have filed several disputes with XXXX XXXX, alongside XXXX XXXX Experian but the negative mark is yet reflected on my credit, causing me prolonged damage/ undue suffering/ pain, as they have all, refused to correct/ remove a damaging account from my credit report for almost 2 years. This action of XXXX, Experian and XXXX and XXXX. violates, the FCRA Guidelines/ Regulations, given that the Debt Collector/ Collection Agency ( XXXX XXXX AND XXXX ; AKA : XXXX XXXX XXXX XXXX XXXX is a FRAUD -- acting criminally, as it claims to represent a company/ original creditor ( XXXX XXXX  Leasing ) with whom it has no ties or whatsoever. Moreover, XXXX XXXX Leasing ( i.e., the purported " original creditor '' it claims to represent ) has investigated and CLOSED the account, marking the said account as IDENTITY FRAUD. Sadly, my life is destroyed, as XXXX XXXX XXXX continues to call, threaten, and refuse to remove this off my credit until I pay them the amount of {$1400.00} for a debt I do not owe. XXXX and Experian have failed to request evidence from XXXX XXXX XXXX... ignore my disputes.
Product: Checking or savings account

Navy Federal was charging me overdraft fees three and four times they also close my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the TransUnion XX/XX/XXXX to remove these suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

Inquiries : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for multiple violations of federal law regarding fraudulent accounts on my credit report. Despite providing a police report and FTC Identity Theft Report, Equifax has failed to remove the following fraudulent accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2.

Violations : Failure to Block Fraudulent Accounts in Violation of 15 U.S. Code 1681c-2Under 15 U.S. Code 1681c-2, Equifax must block the reporting of fraudulent information within 4 business days of receiving my identity theft documentation. Despite receiving both my police report and FTC report, the following fraudulent accounts remain on my report : XXXX. XXXX Bank Account # : XXXX : {$1700.00} - Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # : XXXX : {$800.00} - Opened : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account # : XXXX : {$1200.00} - Opened : XX/XX/XXXX Violation of XXXX XXXX Code XXXX - Permissible Purposes of Consumer ReportsEquifax continues to furnish my credit report to third parties without my written consent, in violation of 15 U.S. Code 1681b XXXX I did not authorize the reporting of the above fraudulent accounts, which constitutes identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX, reported : XX/XX/2023, 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 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. 

I have dispute numerous times/ asked for validation/ same generic response i get from Transunion
Product: Credit card or prepaid card

XX/XX/2022 : received two emails from bank of America, first one asking to verify my email, and then directly afterwards that I was approved for the " XXXX XXXX XXXX XXXX XXXX XXXX '' Did not open/respond to either emails at the time, thinking it was someone phishing and I was at work. 
XX/XX/2022 : received an email from bank of America, saying my credit card was on the way with my correct address. Email looked legit so called bank of America the next day to close the account unable to get to the correct person at that time. 
XX/XX/2022 : Bank of America account closed, no charges made to the card.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX - XXXX, XXXX - XXXX, XXXX & XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, FL, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was breached from Equifax without my consent, impacting my credit and allowing others access to my identity
Product: Debt collection

On XX/XX/year>, I applied for a credit card ( flagship reward ) and was denied. Which I dont understand how when I have an open end consumer credit plan. I received a letter with Truth and Lending 15 USC 1602, FDCPA 15 USC 1692 and FCRA 15 USC 1681 violations. Then I was told to get a secured credit card which is a violation under Finance Charge 15 USC 1605 ( a ). I put down {$2000.00} on the credit card ( account number XXXX ). I requested for an increase and was denied ( violation ). Using Navy Federal Credit Union app, I texted how am I denied? And asked whos the original creditor in this matter? And in their response they did an inquiry. In that inquiry with a consumer reporting agency ( XXXX ) received monetary fees and consideration. Also in their response, was knowingly false violation under 15 USC 1611 ( 1 ). Navy Federal Credit Union used deceptive forms violation under 15 USC 1692j ( a ). Navy Federal Credit Union also infringed my rights to privacy to a debt collector ( XXXX XXXX XXXX XXXX )
Product: Checking or savings account

I moved to XXXX and the bank in the USA can not allow me to access my money nor close my account. I have spent countless hours on international long distance phone calls including sending my proof of identity via Passport upload but they refuse to do anything to help. They have over {$390000.00} of my money that I can not access.
Product: Credit reporting or other personal consumer reports

According to the IRS and unpaid charge off is income according to FCRA and can not be reported on a credit report. I'm requesting a 1099C cancellation of debt from the following charge off account listed XXXX XXXX and XXXX  account # ( see attached documents. After checking my most current report the update information stated that account was in collections and can not be reported as a charge off on my credit report if the account is in Collection with another lender. Please send me the 1099C form.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, Tx XXXX Experian, \nSubject : Dispute of Inaccurate Accounts and Reinsertion Compliance Violations To Whom It May Concern, I am writing to formally dispute two accounts listed on my credit report. The accounts are : XXXX. [ XXXX XXXX Account ] ( Account # : XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ( Account # : XXXX ) These accounts are inaccurate for the following reasons : * 15 USC 1681i ( a ) ( 1 ) : The credit bureau is required to complete an investigation of a disputed item within 30 days. Please confirm whether proper procedures were followed in resolving any prior disputes concerning these accounts, as I have not received adequate verification of the investigations ' findings.

* 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : If any disputed information was reinserted into my credit file, the bureau must ensure that the furnisher of the data has certified its accuracy and notify me in writing within five business days. There is no record of such notification for these accounts, which raises questions about compliance with reinsertion protocols.

* Collection Status : Both accounts are marked as derogatory or charged-off, yet there is no proof provided to substantiate these claims or to confirm the validity of the debt.

I request the following actions : 1. Verification : Provide a full and complete investigation of these accounts, ensuring compliance with the above federal statutes.

2. Deletion : If the accounts can not be verified or the reinsertion protocols were not followed, I demand their immediate deletion from my credit file.

3. Confirmation : Upon completion of your investigation, please send me a detailed explanation of your findings and the steps taken to verify the disputed accounts.

Please consider this letter a formal dispute under the Fair Credit Reporting Act ( FCRA ). I expect your response within the legally mandated timeframe of 30 days. Failure to comply with federal requirements may result in further action to protect my rights. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 
Sincerely, \n XXXX XXXX
Product: Credit reporting or other personal consumer reports

These are unauthorized hard inquiries from 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 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  I did not apply for these credit cards or auto loan, and I called Trans Union on XX/XX/XXXX to file a dispute, but they ignore my complaint and the hard inquiry remains.
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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified last night that my Experian account 's email credentials had changed. I called and confirmed that someone else had recovered my account, changed the username, the email address and the phone number to something else. 

They could not give me more information. They claimed additional information will be sent to me in the next five business days. 

I want to file a police report just to go on record of this event, but the XXXX police department requires that I already filed a complaint with the FTC. The FTC website sent me here. 

I've restored access to my Experian account, changed the email, password and phone number back to mine. I dont know what else to do.
Product: Credit card or prepaid card

i am having a problem with a purchase that was made on my account for a product from XXXX that i return and still have not received my refund {$170.00} and i return the item back to XXXX and i still have not received a refund for this purchase i contacted M & T Bank Filled a Dispute for this Transaction on XX/XX/2021 and M & T Bank has not resolved this situation or provide me a provisional credit for this Disputed Transaction {$170.00} i contacted XXXX several time about this issue XXXX Told me that i was already refunded for this return purchase but for some reason i still dont see the money back on my Credit Card
Product: Debt collection

The nastiest spirited people I have ever contacted. According to manager XXXX, which Im sure is XXXX, she claims She is not in the business of customer service when I explained to her that this entire process has been treated terribly. Not only did she make that disgusting comment to me as a client but insisted that its nothing she would do or suggest and basically told me that its all my fault any of this happened. Then she tried to hang up on me twice, belittled me by calling me hunny with a disgusting attitude. When I asked for her name, she only gave me a nickname and refused to tell me her full name. As you can see this isnt the first time this company has gotten a bad report for POOR customer service and its so sad that SUPERVISORS brag about not being in the customer service business. I would never recommend any facility that uses this firm, completely disgusting. Honestly the conversation was one sentence away from her being vulgar. Completely ruthless and disgusting approach and then she threatened to report to my credit and said Are you gon na pay or not?. The entire issue is that I no longer am in the area of the gym I attended and have called numerous amounts of times to cancel my membership. There was nothing explained to me at the start of my membership about cancellation policies. I have spoken with both XXXX XXXX XXXX and XXXX and they told me the ONLY way I could cancel is by coming in. Instead of cancelling my membership, they tried to shove incentives down my throat and completing negating the fact that I am no longer in the area. As explained to the supervisor, and she had the most disgusting and degrading response Ive ever received. Completely disgusted with this conversation. Our conversation took place on XX/XX/2023 at XXXX after have already being hung up on by another associate.
Product: Credit card

I placed an order at XXXX by linking to the XXXX website through the Discover Card ShopDiscover website. The offer stated that I would receive 5 % cashback bonus if I linked to the merchant 's website and made a purchase. I did so, but I did not receive the cashback bonus. I contacted Discover to resolve the issue, but they still did not credit my account for the cashback bonus. I feel that their cashback bonus offer is deceptive and that they do n't do enough to credit their customers ' accounts. I should n't have to follow up constantly to see if my cashback bonus offers were properly credited. I feel that the company is willfully deceiving people.
Product: Mortgage

I should have been a part of the class action suit against Wells Fargo. They would not work with me to avoid foreclosure. I had a date for foreclosure soi was forced to sell house so I didnt lose it.
Product: Debt collection

This submission is NOT from a third party. I, XXXX XXXX XXXX XXXX the natural person, consumer, & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX I sent out a Debt Validation letter along with a cease & desist with requested information via certified mail to XXXX XXXX XXXX for debt validation purposes. Im not asking for verification of an alleged debt, Im requesting information to validate the alleged debt. I gave them 30 days upon receipt to investigate information & send requested information. They received my request on XXXX. They are now 30+ Days late. They have repeatedly harassed me with communication in the past without proper validation. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Can I get some assistance with this issue? Thanks. I will attach attachments
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX, GAXXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$110.00} 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 GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$7900.00} Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$110.00} 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 GA XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX is not showing credit report but is statin score is decreasing. Please see below Sorry, we can't show you today 's XXXX report. This might mean that XXXX has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report.
Product: Credit reporting or other personal consumer reports

I am charging that the three largest credit agencies are not in fact providing a positive service as it relates to customer finance. Each of them use business rules and math algorithms designed to maintain the lowest possible consumer credit score. I contend this is done by all 3 of the bureaus colluding with each other and the lending institutions that use their dubious services to overcharge the consumer with interest rates that are considered usury in most countries around the world. My proof is as follows : 1 ) The time it takes for your score to drop is not proportional to the time it takes to recover those lost points. Ie a " hard '' credit check is performed... ..your score plummets ... .time to recovery for just thinking about taking a line of credit? Months. That is criminal, period. 

2 ) Two completely different sets of credit rules for businesses and down the street customers. Why is that? Aren't corporations considered individuals now, just like a person? Afforded the same protections but also get special treatment from the credit bureaus. Absolutely criminal. 

3 ) The credit reporting circus assumes guilty until proven innocent with no trial or element of due process. I understand it is civil but the penalties for this unlawful practice can cost you XXXX  of XXXX of dollars in finance charges, be used to determine employability, determine if you have a place to live. Before you deprive me of a constitutional right, there ought to be due process involved. A letter mailed to an old address and 1 email does not constitute due process.

Recently I had my credit score dropped by over 50 points while i was waiting for verification of the validity of an old cable bill that magically popped up years after I had moved out of the state. While waiting for XXXX to verify the debt, they immediately reported this with no concern for my credit standing, XXXX accountability, the balance was a whopping {$120.00}. XXXX points on my credit score is worth far more to me than {$120.00}, but of course it will now take over a year to claw those points back because of credit score suppression collusion done by the credit agencies. The pathetic part of this is that it is done under the supervision of your organization. Who decides what is fair for a consumer? I have no faith in a bunch of unelected bureaucrats keeping watch over companies that pay the finance lobby to push through what they deem " fair for the consumer '' What recourse do I have in this matter? Who shall I contact? Who should be held accountable for this fiasco?
Product: Debt collection

Kohls keeps calling me threw out the day for a credit card thats not mine nor a debt I owed since Im not one of there patrons
Product: Debt collection

In XX/XX/2023 Afni began contacting me about a hit and run on the interstate in GA. I explained they had the wrong information as I live in NC and was verifiably working on the day in question and had no damage to my vehicle. They continued to call daily. The informed me that I could go to jail since their was a police report. I called the county in question and there was not a police report nor had anyone contacted me or my insurance company about an investigation. In XX/XX/2023 I requested that Afni take my name off their call list. They said they would but the calls never stopped. Sometimes they call 4-5 times a day while I am at work. They have threatened jail and my credit.