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

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$1000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$19000.00} XXXX  XXXX Balance Owed : {$280.00} XXXX  Original Creditor XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$600.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$750.00} XXXX XXXX XXXXXXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX  XXXX Balance Owed : {$1200.00} XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX  Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$230.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing in regards to a collection tradeline/accounts that are reporting on my credit report. They are as follows, including XXXX inquiries : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX 15 US CODE 1681B ( A ) ( C ) ( A ) Both of these are violations of my FCRA rights and XXXX, XXXX XXXX XXXXXXXX XXXX have stated they will DELETE the tradeline as well. I never authorized any of these inquiries or tradeline on my credit report. 

Kindly DELETE these as soon as possible. 

Thank you
Product: Credit reporting or other personal consumer reports

I called Equifax at XXXX ( XXXX ) XXXX on XX/XX/23 At XXXX noon central time in regards to these fraudulent inquiries that must be removed immediately. And filed an FTC REPORT.
Product: Vehicle loan or lease

On XX/XX/XXXX I suffered a total loss to my XXXX XXXX XXXX XXXX, and notified Exeter Finance about the accident. My insurance company paid the loan down to {$7500.00}. Exeter was unable to refinance this loan to the back end of a new loan, and I had to get a new vehicle. The maturity date of the contract is XX/XX/XXXX, and I requested an updated amortization schedule based off of the new balance through the maturity date of the loan, so I could pay them off without settling and also be able to make my other car payment, as well as live. I spoke with a manager mid XXXX who stated they would submit a request, and I'd hear back, but I didn't hear back. I've gotten phone calls from representatives requesting payment, but no resolution to my request. Today I was told by a representative that they can't change my contract amount, and in 3 days I would be reported 30 days late. No call from a manager or director, as I was promised, just a regular ole representative who could've told me this before 3 days before being reported late. I answer every phone call from them. 

I request to speak to a manager, and a manager said no, but let 's get you a settlement offer. The settlement offer was {$5000.00} and I had 10 days to come up with it. Now... if I had the funds for a settlement offer, I'd just make the two payments and call it a day. Then, said manager, I believe her name is XXXX, asked me if I had gap coverage knowing that they didn't offer gap coverage through their loans, or I would've had the gap coverage.

So... 
They don't refinance. 
Don't offer reasonable settlements. 
Don't offer gap coverage. 
Don't return phone calls in a timely manner to avoid backing their consumers into a corner.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding the privacy notices and opt-out statements provided by XXXX XXXX , as a data furnisher to Experian. It has come to my attention that XXXX XXXX may be in violation of regulations requiring financial institutions to provide privacy of consumer financial information policy notices in writing to customers both initially and annually in writing, as mandated by federal laws and regulations. 

As per regulatory requirements, financial institutions such as XXXX XXXX are obligated to provide privacy policy notices to customers initially and annually in writing. These notices must detail the institution 's policies regarding the collection, sharing, and protection of customers ' non-public personal information ( NPI ). Additionally, customers must be provided with clear instructions on how to opt out of certain information-sharing practices. 

It appears that XXXX XXXX may not be fully complying with these rules, which are designed to protect consumers ' privacy rights. Specifically, I have not received privacy policy notices in writing from XXXX XXXX as required, nor have I been provided with an opportunity to opt out of certain information-sharing practices. 

According to federal regulations, XXXX includes any information collected from customers in the course of applying for financial products or services, as well as information obtained from transactions involving financial products or services. Therefore, if XXXX XXXX collects sensitive information such as name, address, Social Security number, or other personal details from customers, they are required to provide annual privacy notices in writing for the duration of the customer relationship. 

I demand that Experian investigate this matter thoroughly and take appropriate action to ensure compliance with federal regulations regarding the privacy of consumer financial information. Specifically, I request that Experian hold XXXX XXXX accountable for any violations and require them to provide me with the necessary privacy policy notices and opt-out statements as mandated by law. 

Furthermore, I urge Experian to implement measures to prevent similar violations from occurring in the future and to ensure that all data furnishers adhere to their obligations under federal laws and regulations. 

Please provide me with a written response detailing the steps Experian will take to address this dispute and ensure compliance with privacy regulations. Your prompt attention to this matter is greatly appreciated.
Product: Credit card

On XX/XX/2023 I made a payment on my XXXX XXXX  card for the entire balance of XXXX. I do this at the end of each month with my cards, I pay the entire balance off. The following day on the XXXX they took XXXX. XXXX from my bank again. Then they shut my card off. I have reached out to them for a refund, and they told me to make a copy of my ID, my social security card, and my bank statement showing that they took my money twice, and then mail it to a po box . I did not do this. I have reached out to my bank to try and get the funds and they have not been able to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy on my XXXX that does not belong to me it is not mine i have not filed for this or know where its comin from also one inquir on my transunion that is not mine i have been disputing this since two years ago!!!! 

Account Name : US DIST CT Account Number : XXXX Inquiry Creditor Name : XXXX Inquiry Date : XX/XX/2019 2019
Product: Credit reporting or other personal consumer reports

XXXX XXXX  FRAUDULENT COLLECTION REQUEST REMOVAL This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXX XXXX XXXX XXXXXXXX . 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the XXXX XXXX  XXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

7. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the XXXX, and in most cases can not be valued as true ownership under XXXX. 
8. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX, Equifax and XXXX XXXX respectively. 

ORIGINAL CREDITOR XXXX {$400.00}
Product: Credit card or prepaid card

I AM WRITING IN RESPONSE TO CCFPB COMPLIANT NUMBRT XXXX. I PREVIOUSLY REQUESTED THE FOLOWING AS OUTLINED BELOW CONTACTED GENESIS /INDIGO CREDIT CARD FOR THE PURPOSE OF OBTAINING AL OF MY CREDIT CARD STATEMENTS PRIOR TO XX/XX/XXXX. IN A PREVIOUS COMPLAINT SENT BY MY SPOUSE REGARDING THE HOA FOR XXXX XXXX XXXX XXXX, XXXX GA XXXX, SHE ATTACHED A SPREADSHEET WHICH LISTED ALL OF THE HOA PAYMENTS AND THE SUPPORTING DOCUMENTATION. DUE TO OUR CONSISTENT REPORTING DUE TO MORTGAGE FRAUD WE WERE MISSING STATEMENTS WHICH REFLECTED A COUPLE OF PAYMENTS TO THE HOA WHICH WERE PAID BY GENESIS/INDIGO CC. WE NEVER RECEIVED COPIES OF THESE STATEMENTS. WHEN WE SPOKE WITH THE COMPANY THERE APPEARED TO BE A LEVEL OF RESISTANCE REGARDING THE RELEASE OF THE STATEMENTS. I FIRMLY BELIEVE SOMEONE HAS INTERCEPTED THIS REQUEST. MY CC NUMBER CHANGED. GENESIS ISSUED A NEW CARD TO ME WITH A DIFFERENT NUMBER. THE MISSING STATEMENTS ARE UNDER ACCOUNT NUMBER XXXX XXXX XXXX XXXX. THE COMPANY WAS MAILING THE STATEMENTS TO THE WRONG CITY AND ZIP CODE. THIS IS RELATED TO THE COMPLAINT AGAINST XXXXXXXX XXXX XXXXXXXX XXXX. MY NEW CC NUMBER IS XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. WE ARE REQUESTNG ALL REQUESTED STATEMENTS ( PRIOR TO XX/XX/XXXX ) BE MAILED TO MY PHYSICAL ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX AGAIN THIS WAS FOR ACCOUNT NUMBER XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX WE KNOW WHY WE NEVER RECEIVED REQUESTED STATEMENTS. THIS LAWFIRM REALLY NEEDS TO STOP!! 

ON XXXX XXXX XXXX I RECEIVED A LETTER FROM GENEISIS CARD SERVICE WHICH WAS OPEN, IT ONLY HAD THE FACE LETTER IN THE ENVELOPE. THE ENVELOPE WAS OPEN AND NO OTHER DOCUMENTS WERE PRESENT,. 

THIS IS DIFFERENTLY ANOTHER SIGN AS IT RELATES THE XXXX XXXX XXXX XXXX. XXXX GA XXXX, IS BEING SABOTAGED AND THE HOA /ATTORNEY IS INTERSECTING AND OPENING OUR MAIL TO TAKE OUT THE EVIDENCE WHICH WOULD PROHIBIT THEM FROM A NON-JUDICIAL FORCLOSURE. SEE BELOW.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is lying on my credit profile which you all know that this is a violation.this account should be removed from my profile immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I e contacted credit bureaus and kohls  about the innacuracies. My date of first major delinquency was XXXX XXXX. They keep saying XXXX. Payment wasnt sent in XXXX and I had balance. They kept reporting I was making payments. I would like kohls to remove tradeline from credit report. Its actually been well o er XXXX  years. My next step will have to be legal action if a remedy isnt obtained.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  TransUnion LLC Consumer Dispute Center po box XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX. XXXX XXXX XXXX Account Number : XXXX In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 
Thank you,
Product: Credit reporting or other personal consumer reports

I called experian to report unauthorized inquiries and agent mentioned I should add fraud alert on my credit report. But agent did not mention it will show up on my credit report and I will be also removed from pre approved mailing offers etc. Now because of XXXX  fraud alert there is a fraud alert and statement on my XXXX  and other credit bureaus as XXXX  also sent request to other credit agencies. I have contacted XXXX 3 times by submitting request in writing 3 times and also uploaded form that I don't want fraud alert on my credit reports and I want it to be removed immediately. One of the successful request to experian was submitted on XX/XX/2023. It seems fraud alert is being added again and again without my authorization. It seems XXXX  computer systems are automatically adding fraud alert despite me requesting to remove from all bureaus. Kindly check your records as I have asked you multiple time by uploading form online and also uploading my identity card and utility bill to remove this alert for once and all. But you have removed and than added again. 
Kindly remove it immediately. I am tired of writing and submitting my documents again and again to you guys. Supporting documents attached below and confirmation of fraud alert from you guys is attached below as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

These addresses no longer belong to me, i no longer receive mail at this address and have access to this address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I only have one address is XXXX, FL XXXX.
Product: Debt collection

I was looking through my consumer report and noticed that an account with the account number listed XXXX is furnished by Regions Bank on my consumer credit reports, as a charge off inquiry. Regions Bank cant report something as both income and debt. 
Its illegal to furnish income on a consumer report, A charge off according to the Internal Revenue Service is income and Regions Bank must fill a form XXXX ( please provide me with a copy ). 
Regions Bank has furnished a deceptive form to create a false belief in me as a consumer by reporting information that resulted in defamation of my character, creating a false impression that I was unable to pay the alleged debt.
Product: Bank account or service

I opened a checking account with Bank of America. When opening the account, the associate entered all of my correct information from my driver 's license. A few days later, I received an email notification that my debit card was on its way, but it was being sent to an address where I have never lived and/or been associated. I contacted the bank to ask them why/how this happened. They initially insisted that I had been a victim of fraud, but after showing them I had not, they started investigating on their end. They admitted that everything was processed correctly, but can not understand how the wrong address was then attached to my name. They 're calling it a " system glitch. '' When I asked how I can be assured that it wo n't happen again, I was told that I need to carefully monitor my account myself because they ca n't promise me it wo n't happen again. 

I have since closed the account because all I get from them is head scratches and " I do n't know how this could have happened. '' It 's ridiculous and I do n't trust that my account would be safe with them, no matter how many " extra protections '' they have to put in place. 

They also reported this incorrect address to my credit bureaus but are doing nothing to correct the improper reporting. I am filing disputes with each bureau to have the incorrect information removed.
Product: Credit card or prepaid card

XXXX XXXX  ( aka XXXX Payments ) refunded to my account {$11000.00} that I have a refund slip. It was sent to the original account XXXX XXXX Credit Card XXXX XX/XX/XXXX. The account was closed and Paid in full XXXX, XXXX. The re-assigned cc number is on my credit report. I have called so many times to Comenity bank and the same thing over and over is stated. You do not have a credit card with Comenity Bank. I have the listing on my credit report and I have a credit card statement with my name, account number, address, etc. I paid off the {$11000.00} in XX/XX/XXXX. I did so because of interest, etc. There is a whole long story behind this. XXXX XXXX  REFUNDED THE MONEY TO COMENITY BANK XX/XX/XXXX. They stated their policy is to send to original purchase point. I have a dialogue with XXXX XXXX. I sent a USPS Priority Mail packet with all the documentation I have to Comenity Bank 's po box in XXXX, OHIO. I received a letter back that the account is closed and the balance is zero. So what happened with the {$11000.00} refunded by XXXX XXXX. I have documentation to support my complaint.
Product: Debt collection

Requested information of bill, account information and company was not able to provide none of this as asked for. Reason being that this billing information is not under my legal name.
Product: Checking or savings account

I've explained what happened numerous times, so I'm obviously frustrated with not getting all my money back yet. They did send a check for XXXX XXXX. But XXXX XXXX was stolen, XXXX from my checking + XXXX from my savings. And it seems they keep making excuses about why or what this & that etc etc more bs. I've got a few letters from them I could've attached to this with some of their excuses but whatever. Anyway, it really sucks that they haven't paid me back the XXXX so far. But I'm not gon na stop bugging them until hopefully they do pay it back. Because it's the right thing to do. Thanks.
Product: Checking or savings account

After the federal government past the stimulus bill making funds available for small business owners, I contacted Wells Fargo. Wells Fargo instructed me that I had to wait until their information appeared on their website before I could apply. I called twice and spoke to two separate individuals regarding the process. I have been waiting for the application process to appear on their website. It never did. This morning, Wells Fargos website said they were not accepting any more applications. I called and they stated the application process was closed. So there must have Process other than what was stated by their representatives. Again, no information on how to apply appeared on their website. I am a customer of Wells Fargo and even though I can apply to other institutions who are still have the process open, they will not allow you to. They are only taking applications from their customers. Which means I have been left out of the process by my bank. I believe that it was unfair practice and the information was not clear and understandable. And there are many other in my situation, who are not able to apply. Upon contacting Wells FargoI was told I was out of luck.
Product: Mortgage

The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and XX/XX/XXXX and are proceeding to sale set forXX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. This file was service transferred to Fay Servicing onXX/XX/XXXX which we were not made aware of untilXX/XX/XXXX - Fay Servicing has not responded to any requests for information pertaining to this file. To date Fay is stating noting has been received fro authorization to be provided.
Product: Debt collection

This company calls daily claiming collection but never says for what company or for what person they are looking for. Not sure where they are getting their customer phone numbers from? Whoever they are getting them from is not doing the appropriate research to determine if the phone number is correct I entered their phone number on an internet search. This is what was reported : Calls from XXXX likely come from a debt collector Jefferson Capital Systems , LLC, or a spammer
Product: Credit card or prepaid card

I went to use my ten year Kohls card online and had to call them. They closed my account due to inactivity 2 weeks ago without notice, damaging my credit score. I explained I've been down with long term medical issues. They said they couldn't reopen the account because Capital One wouldn't let them. One lady said they didn't have to notify me, another claimed they did. Spoke to CapOne corporate, they said that is a lie, it's 3rd party and Kohls controls it. I worked really hard to build my credit. They sent me to fake Corp numbers and denigrated Capital One. I want my score fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrect address, incorrect year of birth, incorrect public record on my credit report. 

XXXX  is reporting I lived at XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Ga XXXX and XXXX XXXX XXXX XXXX XXXX, Ga XXXX plus they are reporting my year of birth as 1968 which is incorrect. 

Transunion is reporting incorrect addresses and incorrect public records. 
XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX They are reporting I have two incorrect public records on my credit report. ( Bankruptcy ) XXXX XXXX has a security freeze and a dispute for the same information. However, they have not responded with the 15 days which is XXXX I will take all three credit bureaus to court to further assert that the debt is not mine and the consistent inaccurate reporting is a Federal violation of my rights as a Consumer. This is my final level of trying to resolve inaccurate reporting issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal identity information was stolen in several breaches from companies I had business with, my employer, as well as from the XXXX XXXX XXXX and its affiliates. These breaches occurred from XXXX through XX/XX/XXXX. I also learned that my identity information had been shared on the XXXX XXXX  Market as a result of these breaches. These breaches have resulted in persons unknown to me and without my consent attempting to obtain credit cards, car loans and in some instances personal loans in my name, damaging my credit profile with unauthorized Hard Inquiries.