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

Ive asked for experian to explain how is identity verification done at the time these accounts were open. At one point I had people staying with me where my computer was accessed that is also linked to my phone number. I did not open these accounts. information used to open these accounts was stolen. I did not sign anything. My credit is suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXXXXXX 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
Product: Credit card or prepaid card

This is my second CFBP compliant. I am asking for PROOF of a 1099-C that was NEVER RECIEVED at my then address XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The response from Chase simply says yes we did and no we didn't receive anything back. The 1099-C HAS NEVER BEEN RECIEVED at anytime when I lived in that address. In addition you have NOT PROIVDED ME WITH A COPY as requested. You did provide me we letters you state were sent to me by 3rd party collector that my ACCOUNT WAS SOLD TO back in XX/XX/XXXX/XX/XX/XXXX, which makes it hard to believe that Chase can write off my account after they sold my account to 3rd party collectors. I am continuing to dispute the 1099-C that was allegedly just " mailed '' not with any signature requirements in XX/XX/XXXX. If Chase was planning to write off this debt which appears they " bought '' back from 3rd party collectors then I should have been notified in writing of such and been offered the opportunity from Chase to attempt repay the debt they had bought back. 

After receiving the first response from Chase EO I have contacted XXXX at XXXX ext XXXX as well as XXXX and left messages with NO RESPONSE.
Product: Checking or savings account

In XXXX of 2019 I went to my local Compass Bank branch to open a Health Savings Account ( HSA account ). The account has been used solely for medical expenses and deposits into the account for the past 3+ years have been direct deposited, tax free into that account. Compass Bank was recently acquired by PNC Bank and I made the decision to close all of my accounts and change banks. Due to the nature of HSA accounts these funds can not be withdrawn without tax penalties. They need to be rolled over into the new HSA much like rolling over a 401 ( k ) account to avoid paying these penalties. I requested the account to be transferred by Compass prior to their transition to PNC. I was informed by the banker I spoke with that the account was inadvertently opened as a regular checking account and not as a HSA account. His suggestion was to wait until PNC took over and to address the situation with them. Since then I have worked relentlessly with PNC to have the account converted to an HSA account and to roll the money over to the new HSA with the new bank. PNC has been very unresponsive and difficult to work with to resolve this issue. After multiple phone calls and follow up they finally contacted me and acknowledged the mistake but told me that there was nothing they could do and for me to take it up with the IRS. The tax implications could result in thousands of dollars of tax liability for me personally for a mistake that was made when the account was originally opened. I have requested a copy of the recorded phone call transcripts and a letter from PNC that acknowledges the error for my records in case I need them in the future. I was told they could only provide them if they were subpoenaed and required to deliver them. I realize that PNC inherited a problem that was created by Compass Bank but that does not dissolve them for the responsibility to correct the problem. I have all the statements from the day the account opened and can verify the deposits into the account were all tax free, direct deposits from my employer and that all of the withdrawals from the account were for medical expenses. I was always under the impression that the account was an HSA account until the day I requested the roll over. I look forward to the CFPB 's response and cooperation. 

The records of the people I have spoken with at both Compass Bank and PNC Bank can be provided upon request.
Product: Credit reporting or other personal consumer reports

Due to IDENTITY THEFT and UCC 5-109 FRAUD AND FORGERY Personal information was breached now FRAUDULENT Inaccurate information has been furnished on consumer 's Credit Report pertaining to XXXX XXXX XXXX in the amount of {$920.00}, XXXX totaling {$15000.00} as XXXX and EXPERIAN further incriminating themselves by allowing fraudulent activity to be furnished on consumer 's Credit Report before and after consumer confronts them about the inaccurate information and fraudulent activity in which XXXX XXXX XXXX INACCURATE FRAUDULENT ACCOUNT has been CLOSED as of XXXX, XXXX XXXX but has not been REMOVED off Consumer 's Credit Report. 

As The American Federal Citizen Elector, Barterer, Standing in a Christian Ecclesiastical Roman State as I am Demanding and ORDER said Campus to RELEASE The Credits from the Off-Shore Mortmain Off Budget Account held off budget in the Federal Reserve Banks , held in Reserve as it shall be updated to an XXXX XXXX status as I am suppressing the Insurrection and Rebellion Monetary System via the 13th, 14th Section 3 and 4 and 15th Amendment..
Product: Credit reporting or other personal consumer reports

I'm filing a complaint against Equifax for violating my privacy and consumer rights. They've breached the Fair Credit Reporting Act ( FCRA ), Privacy Act of 1974, and Opt Out Laws.

1. They shared my personal data without my written consent, as required by 15 USC 1681 section 604 ( a ) ( 2 ).

2. I wasn't properly informed of my right to exercise nondisclosure, as mandated by 15 USC 6802 ( b ) ( c ).

3. They reported a Chapter 7 bankruptcy without my consent, violating 15 U.S. Code 1681c ( a ) ( 5 ).

4. Equifax failed to maintain accurate information, as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A.

5. Equifax reported my student loans without consent, violating FCRA.

6. They didn't adequately provide the option to opt out of reported information, as per 12 CFR 1016.7. These actions infringe on my privacy and break the law.
Product: Credit card or prepaid card

Hi, My two credit card accounts with CapitalOne were closed I have been with CapitalOne since 2017. I am always a loyal Customer and pay my monthly bill on time. I have never been late with my payment. 

However, my two account were closed. I contacted them, customers service at CapitalOne say account were closed because there were fraudulent activities a year ago. 

They closed my another credit card account too, the reason being the card was linked to my name. so they closed that credit card as well I am upset because I am not at fault with this account closure. However, they do not want to solve my issue. I feel they wanted to take my cash back on my credit card that I have on there. 

I have attached image regarding my accounts that are closed by Capitalone all the sudden. I wasn't informed and the account was closed XXXX
Product: Debt collection

A couple of months ago I reached out to XXXX XXXX about a debt that wasnt mine. I disputed it and it was removed as the agency could not provide any info. Now XX/XX/22 the same debt popped up on my report again but with a different creditors name on it. I called them immediately and they said it would need to pay for them to see it. The name was XXXX on the account. I never got any info on who they were trying to collect a debt for or the amount. He refused until I paid to have my credit report pulled. I have NEVER ever had an agency ask for me to pay so I did not.
Product: Debt collection

After repeatedly sending information regarding ownership of property that was previously owned by my deceased father, Select Portfolio Servicing keeps telling me that I have not sent the required information to determine that my company now owns the residence. I've sent documentation including his death certificate, his will, the LLC documents, and multiple copies of the deed with my company name on it. Every time I call they just keep telling me my case has been referred to an attorney and that they can't talk to me because I haven't given them proof of ownership. Then they took out insurance on the property and billed that to us as well. Every time I send them legal documentation they claim it's " not showing up in the system '' even though I get emails saying that they received the information and even though my name is literally on the mortgage statement that comes every month. I keep getting the run around. It's been 18 years since my dad died and I still can't get them to acknowledge my ( and my brother 's ) ownership of the property. They say they want to set up mortgage payments for us but based on all the complaints about this company and the fact that the mortgage rate is at 9.45 %, which is usary in my opinion, this entire company seems like a fraud. I've let them know that I'd like to talk to someone about settling the debt but they won't talk to me about that. I keep getting the run around.
Product: Student loan

Recently in doing some research on my consumer credit file I learned that the student loans in my name that are being serviced by Fed Loan Servicing. I learned that the loans are for a school by the name of XXXX XXXX XXXX. I never signed an enrollment agreement with XXXX XXXX XXXX nor did I ever sign or agree to become a former student of XXXX XXXX. This seems like fraud to me. I do not wish to be associated with XXXX XXXX  and I never agreed to it. I do not understand how this is possible and how this legally has taken place. I do not understand why there are student loans listed under XXXX XXXX in my name. I never agreed to this. I am requesting XXXX XXXX XXXX to provide information stating that I agreed to be associated as a former or current student with this school. Before today I had no knowledge of any of this. I am requesting documentation with signatures that Fed Loan Servicing has the right to pursue loan payment from me for the school XXXX XXXX XXXX. I do not wish to be affiliated with XXXX XXXX XXXX. I never agreed to any enrollment or loans with XXXX XXXX. Therefore Fed Loan Servicing must substantiate seeking loans associated with XXXX from me.
Product: Checking or savings account

Was a victim of a job scam. I posted {$1200.00} I informed my bank of it but got rejected for receiving my money back and my account was closed for no reason. It officially closed on XX/XX/2021 but they blocked me from opening any other bank account with other banks. I shouldn't access my bank for over a month and went constantly to get the rest of my money out of the bank. Couldn't get any of my records because they shut down my account. 

I have a police report, fake check, fake job employment letter, and text messages. with all this information my bank still denied it was fraudulent.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, Experian, and XXXX for failing to correct inaccuracies on my credit report despite my multiple requests for re-investigation. Although my previous complaint was closed, the errors remain unresolved and continue to negatively impact my credit score.

1. I have made several attempts to resolve this issue, but the inaccuracies persist. This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically : 2. FCRA Section 1681i ( Reinvestigation of Disputed Information ) : The credit bureaus did not properly re-investigate or correct the inaccuracies on my credit report.

3. FCRA Section 1681e ( b ) ( Maximum Possible Accuracy ) : The credit bureaus failed to ensure the information reported was accurate and complete.

FCRA Section 1681i ( a ) ( 1 ) ( A ) : The bureaus did not take appropriate action or conduct a thorough re-investigation following my dispute. 

I request that appropriate action be taken to ensure that XXXX, Experian, and XXXX comply with the FCRA and correct the inaccuracies on my credit report.
Product: Vehicle loan or lease

Credit Acceptance was not creditor I signed up for. My XXXX XXXX XXXX XXXX. Was signed with XXXX XXXX. I had everything set up on auto pay during the time of the loan when I realized XX/XX/XXXX, that it was through credit acceptance. My contract is not the same with what I agreed to and signed. The car dealership that I had purchased the vehicle from must have done some type of switch with creditors?? I need to have this disputed. This is not the agreement that I signed up for and I ended up having to give the car back because the payments were larger than what I anticipated from what I had agreed to when I signed the contract. This has been false and misleading to me as the consumer.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and I noticed there were some fraudulent inquiries listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I am requesting for these following inquiries to be removed from my credit report : FRAUDULENT INQUIRIES Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXXXXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXXXXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter. 

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX CARD - XXXX XXXX XXXX - XXXX XXXX INQURIES XXXX CHALLENGE : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney. 

Please acknowledge this letter and provide a timeline for resolution.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated. 
Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXXL - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, DEPTEDXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and TransUnion about the unavailability of obtaining the reports. The customer service was no help, the chat function was no help.
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. Please see the attached file for what I am complaining about and take immediate actions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX,
Product: Credit card or prepaid card

I have been a XXXX plus year XXXX card holder. In late XXXX the XXXX XXXX XXXX XXXX card service provider was switched from XXXX to Barclays Bark. I believe as part of the switch Barclays created a new account number for my relationship without subsequently terminating my prior account number ( my prior XXXX account number was XXXX ). For the the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Barclays reported account late XXXX, XXXX, 120 days late before reporting closure of the account in default. During this time payments were made timely to the new account they established. When contacted for resolution Barclays has indicated they have no record of account XXXX although it is clear they're reporting the account to the credit bureau 's in error. 

The unfortunate credit reporting error and subsequent inability to resolve has created a hardship and inability to have additional credit extended by other lenders. Your assistance is appreciated
Product: Debt collection

Ended up in XXXX XXXX in Oregon in XXXX. They started billing me in XXXX, but they never billed my insurance company. I contacted them XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, they never billed ins, with each request. On XX/XX/23, I received a Final Notice letter. I contacted a lawyer on XX/XX/23. A letter was sent requesting they send me an itemized statement and bill my insurance. XXXX XXXX  did not respond. XX/XX/XXXX received a debt collector letter. I responded on XX/XX/23 that I disputed the debt because insurance hadn't been billed, nor had they responded to the attorneys request. 
On XX/XX/XXXX I received a phone call from the collection agency asking how I was going to pay this debt, again I told them XXXX XXXX had not completed their obligation to bill my insurance and I was told this would be going against my credit. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Collection : CMRE Financial Services XXXX XXXX XXXX XXXX, OH XXXX
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. 



XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX Collections : XXXX XXXX Experian ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYER : XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX