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

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX  : Account number : XXXXXXXX XXXX XXXX XXXX : Account number : XXXX, XXXX  : Account number : XXXX, XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ), your reporting agency may be liable for false reporting.While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), they may be liable for false reporting. 
I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. 
Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 
Under federal law, you have XXXX days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within XXXX days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Payday loan, title loan, or personal loan

When obtaining the loan, it was not clear that I would be paying such a HIGH interest rate nor that I would be paying this loan twice a month. I needed the cash to assist with my father 's unexpected medical expenses. I only borrowed {$3000.00}, which only got a portion of that deposited after fees, and I have paid a total of {$6700.00} so far and have 6 more payments to go. That means I would have paid at least {$8100.00} for this loan. I have been fortunate enough to still have a job and although it is a struggle, I have been making this payment, however I read that the maximum interest that can be charged to consumers in California is 10 %. I am being charged 200 % + here.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my Experian consumer profile and found an hard inquiry from a " non-account '' holding creditor named XXXX XXXX on XX/XX/2023. I've never given permissable purpose thru verbal or signed written authorization for this company to view my consumer profile. This may be a case of predatory tactics used by some auto dealers but without the consumers consent. I've never received any type of confirming denial or approval disclosure of any loan I allegedly applied for with this company. I sent a certified letter to dispute and requested proof of authorization for this inquiry with XXXX XXXX or resolve with a deletion of this inquiry from my Experian consumer profile immediately. This unauthorized inquiry is suppressing my ability to obtain credit and is damaging my mode of living.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I sent a police report and letter to Equifax stating my identity had been compromised. I notated the account that needed to be addressed. XXXX XXXX Acct. XXXX. Equifax stated the account would remain on my credit with explanation responded with validation. Equifax violated sections 605, 609, and 611 of the FCRA I asked for verification but I never received no information to validate the reason for keeping fraudulent information on my credit report unverified or the method in which they verified information in which they fail to do so. I am requesting assistance in the removal of inaccurate information on my credit report. Equifax has failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act. I contacted XXXX XXXX  and spoke with a customer service rep. that stated she couldn't locate an account at all. I demand this inaccurate information be removed from my credit report. XXXX XXXX didn't provide information within the 30 days as per FCRA which is a direct violation.
Product: Credit card or prepaid card

Capital One National Association submitting multiple soft inquiries called " Account Review Inquiry '' in a month for several months. I don't understand the valid business purpose behind so many inquiries in a month, albeit for a soft pull.
Product: Student loan

Edfinancial Services has been unable to provide verification of my previous request for a loan refund or provide a consistent timeline for my refund to be processed. I spoke with a representative for EdFinancial via phone call initially to place a request for refund. I was verbally assured that my refund request had been submitted, however the representative was unable to provide me with a concrete timeline for processing ( she said it could be XXXX months or more due to the increased number of requests ). I followed up via virtual chat with a rep named XXXX today XX/XX/22, and I have attached screenshots in which she refuses to provide verification or provide me access to my refund request and is unable to provide an estimated timeline for my refund request to process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on a deferment plan that was approved for XX/XX/XXXX to XX/XX/XXXX due to me not working due to COVID19. Somehow, XXXX XXXXXXXX XXXX reported me late on XX/XX/XXXX. I have attached my mortgage statement for that time period.
Product: Credit card

On XX/XX/XXXX I noticed two unauthorized transactions for the amount of {$16.00} each from XXXX that I did not make and asked Bank of America to remove them from my credit card account due to fraud. I received the new card in the mail but I noticed that the unauthorized transactions were not removed by Bank of America.
Product: Credit reporting

Over the course of the last 18 months I have been trying to obtain a mortgage. I have not been able to get approved because there are items being listed as " Dispute '' in several different areas on my credit report with Experian. I have never disputed an item in my life. I have spoken to them on several occasions directly requesting that all dispute verbage be removed. The underwriting system of mortgage companies are rejecting my report based on any dispute items being listed. They have told me they have updated it on several occasions yet it still remains listed. It is listed in all areas including : the status, statement, and comment sections of my report. I have been hung up on by representatives with Experian trying to get this correct. It is preventing my family from moving into a home more suitable to our needs.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report as I am a victim of identity theft. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which mandates the removal of fraudulent accounts resulting from identity theft upon consumer request. 
The fraudulent inquiries are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX due to inaccurate reporting of an overdue account and requested information pertaining the account number with the balance owed. Experian did not follow up with the appropriate details to verify the account details and amount owed from the lender. I recently was notified that the CFBP has filed a lawsuit against Experian. They alleged that Experian has accepted unreliable information, and failure to notify consumer dispute results. This aligns with my situation. Experian failed to verify the information requested to identify the account and balance owed. I am requesting this derogatory remark be removed immediately. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX  XXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have an overpayment on my credit card that I have been trying to get refunded to me for {$1000.00}. I contacted my credit card via chat on XX/XX/XXXX to request this refund. My chat got disconnected and I reached out on XX/XX/XXXX via phone to verify that the request went through. I was told it did and that it'd take approximately a week from the request date. 

On XX/XX/XXXX, I contacted them again via phone without any results. They still owe me a refund of {$1000.00}. 

I've spoken with them again XXXX, XX/XX/21, via chat. The representative, XXXX, stated that my original refund request was denied due to an open dispute. The dispute was closed on XX/XX/XXXX in my favor when the vendor refunded the full purchase amount. I do not know why Citi is still refusing to refund my overpayment.
Product: Checking or savings account

Lincoln Financial has managed my XXXX employer related retirement savings account for over 20 years. In XXXX of XXXX, Lincoln Financial contacted me and requested I close this account as it was very old and they are discontinuing support for it. I completed the required forms XX/XX/XXXXXXXX  and requested the entire balance to be sent to my XXXX XXXX account, which Lincoln Financial agreed to do. 

On XX/XX/XXXX, I observed a " Full Surrender Transaction '' in my online account for the amount of {$83000.00}. Lincoln Financial then closed my account ( so I no longer have access to this account ) and confirmed to me that the check was mailed to XXXX XXXX. The check was returned to Lincoln Financial via USPS mail due to XXXX XXXX just changing their mailing address and it was no longer valid. As a result, Lincoln stated to me they would reissue the check to XXXX XXXX via their new address. 

After waiting over 90-days, the check never arrived at XXXX XXXX XXXX I contacted Lincoln Financial Customer Service on several occasions between XX/XX/XXXXXXXX  and XX/XX/XXXX, requesting the status of the issued check. Customer Service continually stated they would " Elevate this issue to the Leadership Team '' and that I would be contacted within 48 hours. Lincoln Financial has not contacted me, as stated, nor have they kept me informed of my check status, nor reached out to me in any way since closing my account. 

My most recent contacts with " XXXX '' in customer service were phone calls in XX/XX/XXXX. XXXX could not find my account ( as it's been closed ) and asked for my social security number to locate my account. I provided the SS number and XXXX confirmed to me there were several entries made by Lincoln Financial regarding this account. Some entries were a number of " Stop Payment '' entries with no explanation ; Most recently XX/XX/XXXX. I again requested the funds be wired to XXXX XXXX instead of USPS mail. XXXX again said she would elevate this as urgent to her leadership team and that I would be contacted within 48 hours, which to date has still not happened. 

I check my XXXX XXXX account often and as of today, XX/XX/XXXX, no check has been deposited into my XXXX XXXX account and Lincoln Financial has not contacted me as to the status of the check. It has been nearly a year now since I requested the balance of my account be transferred and no progress has been made. Also, no mention of accrued interest Lincoln Financial owes me for holding my money nearly a year. 

I am retired and on a fixed income. I worked over 20 years to save and now Lincoln refuses to provide my funds, refuses to contact me, and holds my funds with no explanation as to why, nor any statements of interest accrual. At this time, I see no alternative other than to take legal action against Lincoln Financial, suing for the balance, interest on that balance, and associated earnings on the fund performance since XX/XX/XXXX, attorney fees, penalties, and pain and suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : CREDENCE RESOURCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 USC 1681 Section 602 A. States have the right to privacy. 15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 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 items of information, other than records of convictions crimes which antedates the report by no more than seven years. 15 USC 1681-2 ( a ) ( 1 ) A person shallot furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The name XXXX listed and reported on my credit report is not mine does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy on my credit report that is a mixed file trans union refuses to do anything about it saying its a duplicate compliant
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX  XXXX  XXXX Balance - ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX  XXXX XXXX  XXXX Balance {$1500.00} ; XXXX XXXX XXXX  XXXX Balance {$630.00} ; XXXX XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} ; XXXX XXXXXXXX Balance {$4500.00} ; XXXX XXXX XXXX XXXX Balance {$830.00} ; XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX  XXXX XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX Balance {$950.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX  ; XXXX XXXX Inquiry : XXXX XXXX, XXXX  ; XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX   ; XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Experian I am disputing a Hard Inquiry from XXXX dating back to XX/XX/XXXX. As of this month the Hard Inquiry has passed the limit to stay on my credit report. Please remove the XXXX hard inquiry. Thank you for you help.
Product: Vehicle loan or lease

Every month they add a very high interest I contacted the bank in XX/XX/XXXX & asked about the whole balance I owe & was told its {$20000.00} and since then every month I have a problem with them I stopped paying for couple of months so they fix this & then nothing had happened. Since XX/XX/XXXX I pay on time this month after I paid on the due date I found out they say I havent paid on time and they added another interest charge, when I called them they insist that I havent paid on the due date. I reached to nothing with them. When I checked my payment history I saw that interest fluctuates from month to month with big differences some times increases & some times decreases
Product: Credit reporting or other personal consumer reports

( CFPB ) as recently filed a lawsuit against experian alleging systemic issue such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where experian has neither correct nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standard. I am requesting immediately corrective action to remove or amend the dispute account, Experian 's inaction violates federal law and my rice as a consumer. So that others can learn from experience. The cfpb will be to remove my personal information from this description but someone may still be able to identify me. Learn how it works I can sit publishing this description after the cfpb has taken their steps. Publishing this description we're not I would love cfpb my account
Product: Checking or savings account

I attempted two recent wire transfers in the past 2 weeks. I received email notification from the bank ( Chase Bank ) that these were cancelled for security purposes, and directed to visit Chase.com Secure Messages for more information. I then attempted to log into my account, but received the following message : " We locked your account to protect it from suspicious activity. To unlock it, call XXXX ''. I duly called this number, was put on hold for over an hour, then disconnected. Twice! I can not access my funds. I can not log into my account. I can not speak with anyone at Chase to resolve the issue. As far as I am concerned, they have taken my money without any recourse or ability for me to access my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX the consumer sent a letter to Experian, XXXX, and XXXX on XX/XX/2022. Its been well over 30 days I still have received anything back. 

According to 15 USC 1681i ( a ) X1XA ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

This a violation or mv rights
Product: Credit reporting or other personal consumer reports

XXXX XXXX never mail me no notice to the debt of XXXX XXXX XXXX. 

Spoke to a rep at XXXX XXXX XXXX that stated to me they mail out certified mail. 

I never got any proof from XXXX XXXX XXXX of any such mail or post office confirmation Number of the certified letter by USPS WAS rude as this debt by XXXX XXXX XXXX is not owed.
Product: Debt collection

Upon checking my credit, I have an open collection for rentdebt, I have never received any documentation of a debt owe, I would like a debt validation notice, verifying this is my responsibility also the proof they are able to collect debt in the state of Texas, I would like the surety bond information as well.