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

i sent my letter off in XXXX XXXX XXXX i told the bureaus to " investigate every piece of information '' on the accounts i have listed below. Also i have attached the letter i sent out and here the tracking #. 

according to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. and according to the FCRA 15 USC 1681 has to be 100 % accurate. I have credit credit report showing the inaccuracies. 

Accounts XXXX Account # : XXXX BANK OF AMERICA Account # : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX ( Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX  ) Account # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a hard inquiry in XX/XX/2021 by One main Financial. It is due to my identity being stolen. I have called this institution, but can't get anyone to talk to. I am currently filing a police report as well.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan, opened at XXXX XXXX on XX/XX/XXXX under the account no. XXXX, an account no. XXXX opened at XXXX, XXXX on XX/XX/XXXX, account no. XXXX opened at XXXX XXXX on XX/XX/XXXX, and another auto loan account no. XXXX opened at XXXX XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. These are the extra inquiries Not recognized, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX is continuing to be willfully They non compliance to the cfpb act. N Horrific XXXX is in direct violation of 1681c-2 ( a ) I filed an identity theft claim with XXXX  on XX/XX/year> to which the claim has not been blocked or answered in the appropriate time frame. XXXX not only didnt process my identity claim under 1681c-2 but they have not even processed my claim in the allowed time under 15 usc 1681i ( a ) ( 1 ) ( a ) to which they has 30 days to investigate incomplete or inaccurate information. This is the second time XXXX  has not processed my claim or request ending in a violation of my right.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax regarding their failure to address multiple fraudulent entries and inaccuracies in my credit report. I have been a victim of identity theft and XXXX XXXX, which has resulted in numerous fraudulent accounts being opened in my name without my authorization. These fraudulent accounts, along with an incorrect public record, have severely impacted my creditworthiness and financial stability. Despite multiple requests, Equifax has failed to remove the following fraudulent accounts and public record from my credit file : Equifax has violated multiple sections of the Fair Credit Reporting Act ( FCRA ) by failing to correct these inaccuracies : Section 605B ( 15 U.S. Code 1681c-2 ) : Equifax is legally required to block fraudulent information from my credit report once notified of my status as a victim of identity theft. Section 609 ( 15 U.S. Code 1681g ) : Equifax has failed to provide accurate and complete disclosure of all information in my file. Section 611 ( 15 U.S. Code 1681i ) : Equifax has not conducted a proper investigation into the fraudulent accounts and public record within the legally required 30-day period. Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) : Equifax has not followed reasonable procedures to ensure the maximum possible accuracy of my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I received alerts on my credit a company had added collection account to my report. I never received a dunning letter for me to validate the debt or answer to the debt. I immediately sent a letter requesting proof of ownership of the debt, and proof I owed the debt as I do not owe any money to either companies. The company sent me a letter dated XX/XX/XXXX staying they would cease collecting on this account until they can prove validity. Then three days later they send out another letter stating its valid. They never sent me any information, contracts or proof I owe the debt. I have sent out a additional letter asking them to please remove this debt. I do not owe it. Nor did they validate the debt.
Product: Credit card or prepaid card

I paid the balance in full on XX/XX/XXXX through the bank app. Did not use the card all of XXXX but received a bill on XX/XX/XXXX charging me interest. I called the bank and was told that this was back interest due to when they close the billing period. 

My complaint is there is no way to access the true balance due, even through the bank 's own application. This is deceptive and designed to keep charging interest even when the balance is paid in full.
Product: Checking or savings account

On XX/XX/23 I went online to an ad that claimed there was a sale on some shoes from the company oncloud. When I placed my order for my daughters shoes it came up with a message declined, but checking my account it showed they took out the money for XXXX. I then tried to contact company at the email and phone number provided by website. The email and phone number was not a working number or email tried to contact company that took the money not a working number. Contacted my bank on XX/XX/23 and to date have not heard anything from my bank regarding issue. When I call my bank they say they are looking into it but have not determined anything yet to just wait until they complete investigation which has been almost 60 days. I provided all numbers and email addresses to my bank to help resolve issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

MONEYLION- Account Was Opened ( XX/XX/2020 XXXX And Was Closed ( XX/XX/2020 XXXX Loan Amount {$1000.00} Amount paid back By ( XX/XX/2020 XXXX {$1600.00} Credit Report says MONEYLION- Account opened ( XX/XX/2020 XXXX and still open. 
Balance {$1100.00} Highest Balance {$1000.00} Monthly payment Amount {$3000.00} Term 12 Months. 

This Is Absolutely Incorrect, there isn't a loan company in the entire world that would require 12 months of {$3000.00} per Monthly payment on a loan of {$1000.00} dollars. If This Were A true statement that would be {$36000.00} dollars After 12 months of payments for a {$1000.00} dollar loan. 
Its Impossible For That To Be Correct And It Is An Error And Incorrect. 
My Credit score was Affected So Badly From This Incorrect Error And My credit score Has Dropped Due To This Issue. 
My MONEYLION loan Was Paid Back In 10 days And It Wasn't A 12 Month term it was a payday loan. After Paying back The Loan When I Received My Pay-Check My Account Was Closed And All Was Paid And In good standing. 

Now After My credit score dropped XXXX points from the Error. If The Report Was Real That Would have made the {$1000.00} dollar loan have an interest of 3,900 % interest on {$1000.00} dollars.
Product: Credit reporting 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. 
Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXXDept of ED # XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX, Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, have all violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

JARED 'S JEWELERS CLOSED MY CREDIT CARD ACCOUNT THAT HAD ALWAYS BEEN IN POSITIVE STANDING FOR OVER 3 YEARS. I NEVER RECEIVED ANY NOTIFICATION BY PHONE OR MAIL THAT MY CREDIT CARD ACCOUNT WAS GOING TO BE CLOSED. I HAVE BEEN AN OUTSTANDING CUSTOMER WITH THAT CREDIT CARD ACCOUNT. I WAS EMBARRASSED WHEN I TRIED TO GO AND MAKE A PURCHASE AND THE CARD WAS DECLINED. I FELT AS IF THE COMPANY WAS DISCRIMINATING AGAINST ME BECAUSE OF MY CREDIT RATING OR SOME OTHER FACTOR THAT MADE THEM CLOSE MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents. 
I ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!
Product: Credit card

XXXX XXXX XXXX XXXX ( aka XXXX XXXX ) ( AKA XXXX ) contacted us on XX/XX/XXXX to supposedly update our account since it was quiet since 2015. We perform Broker Price Opinions ( BPO 's ) as a side service for real estate firms. XXXX XXXX asked for our " updated '' credit card info, and unfortunately, my wife did provide it on that incoming phone call. 
Turns out we did NOT do business with this company XX/XX/XXXX. My wife found no activity with them in the past, though we HAVE done BPO 's successfully with other agencies. 
My wife also looked up the SCAM reputation of this firm and decided to cancel any further involvement. When she called back THE SAME DAY, no one answered the telephones at XXXX XXXX. No one answers our email. They did charge our credit card {$440.00} that day. 
We have three times told our bank ( CITIBANK ) it is FRAUD, but when CITIBANK contacted XXXX, XXXX told the bank that we have a " current account in good standing '' with XXXX and LDG does not give refunds. 
1. XXXX still will not answer our calls. We have tried phoning and emailing many times since XX/XX/XXXX. We have attempted to cancel an account that never existed in our emails. How can we communicate? 
2. CITICARD/ CITIBANK has twice provided a " CONDITIONAL CREDIT '' but each time has taken back the credit. The bank says we are responsible because of what the merchant told the bank. As of XX/XX/XXXX, the bank is refusing to help us further. 
We have notified the XXXX XXXX, the Colorado State Atty. General, and also the Colorado Division of Real Estate.
Product: Payday loan, title loan, personal loan, or advance loan

IN XXXX somebody sharing my name opened an account with upstart.com using my email address ( in the form of XXXX, which is not their email but mine ). 

I believe I called and asked the account to be removed in XXXX, but today ( XX/XX/XXXX ) I got an email stating the privacy policy has been updated. I was able to 'reset the password ' on the account and log into it because the email associated with the account is mine.

I called again stating the account was made in error by somebody other than myself and requested the account be deleted along with any personal information from their system. They stated they could not do this.

So, I'm filing a complaint with the CFPB to ( hopefully ) force them to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my personal information compromised over a year ago. I have account and address that are not mine showing on my credit report. Please delete the following adresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX My XXXX XXXX XXXX The following phone numbers are not mine ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The following account is not mine as well XXXX XXXX XXXX XXXX # XXXX I never had a XXXX XXXX XXXX  account. please delete ASAP
Product: Credit card or prepaid card

Citi denied my claim for a dispute when my XXXX XXXX XXXX  when into bankruptcy. They sent a online message to ask for more information by a certain date when I provided more than enough information to process the claim. They did not contact me by phone or by mail. 

After citi denied the claim for not responding to an online message, Citi informed me to file a " Trip Cancellation & Interruption Protection '' since my flight was cancelled and would be covered under this benefit. They said they would mail me a form to fill out. 

about 2 weeks later the from arrived. I talked to another representative from citi who got an email sent to me that I could respond to and send the information in electronically. Why did the first representative misled me for 2 weeks? 

I provided all the necessary information. I got a response that it wasnt one of the 12 covered reasons so I would not get a refund, but this was clearly a " Trip Cancellation '' due to bankruptcy but i did not have " protection '' while Citi markets this as " Trip Cancellation & Interruption Protection '' Multiple times citi mislead me on what to dispute and claim. Citi " attempted '' to contact via secure message when it should have called or sent certified mail to ensure I was properly notified. Citi misrepresented its benefits by marketing a term called " Trip Cancellation & Interruption Protection '' but really only has 12 covered reasons.

Note this account is for a senior citizen over the age of XXXX. Citi bank took advantage of a senior citizen.
Product: Credit card

I have a business credit card from my employer. We were migrated over from XXXX XXXX to Barclay by XXXX. On XXXX XXXX, 2016 I called to activate my card. My boss ( doctor ) the Primary Account Holder had a difficult time activating his because they have my social security number and date of birth listed as the primary account holder. I have been told that both cards are in my name and I am listed as the primary account holder and am financial responsible. I called immediately to correct this error. I faxed over requested information immediately. I did not receive a response. At first I attempted to resolve this by calling Barclay and speaking with a supervisor, after numerous calls and not being able to speak to anyone that could help me and begging the supervisors to escalate my call and put me in touch with " someone higher up '' I resorted to social media. After posting on Barclay 's XXXX page XXXX from the Social Medial Team reached out to help. I informed her I would need to speak to someone higher up. I finally contacted XXXX to complain and was contacted by someone from the Executive Office of Barclay Card ( name available if needed ). It has been 4 weeks since this nightmare started. I have spent at least 6 hours on the phone trying to correct their issue. As of today I was told that they finally have the doctor listed as the primary account holder but unfortunately they still have my social security number and date of birth under under his card. If I credit report was pulled for me today, what would it show!! This is identity theft at a whole new level. I have documentation ( date, time and name - It is too lengthy to list her. I want this nightmare to be over!
Product: Vehicle loan or lease

I am writing to formally lodge a complaint against Chrysler Capital regarding their failure to properly credit tax payments on my leased vehicle, XXXX XXXX XXXX XXXX. Despite my numerous notifications and attempts to resolve this issue directly with Chrysler Capital, the problem remains unresolved. 

Since XXXX, I have repeatedly informed Chrysler Capital about discrepancies in the tax payments being credited to my account. These payments were made in good faith, and I have provided all necessary documentation, including proof of payment. However, Chrysler Capital has failed to acknowledge or rectify these discrepancies. 

Specifically, the issues I have encountered include : Failure to Apply Payments : Chrysler Capital has not properly credited my tax payments to my lease account, leading to inaccuracies in my account balance. 

Lack of Communication : Despite my multiple attempts to contact their customer service, I have received inadequate responses, with many of my inquiries going unanswered.

Unresolved Discrepancies : After several months of back-and-forth communication, Chrysler Capital has yet to correct the account and ensure that my payments are reflected accurately. 

This situation has caused me significant inconvenience and frustration, as I rely on accurate account management for my financial planning. Chrysler Capitals lack of responsiveness and failure to address this matter appropriately is unacceptable. 

I request that the CFPB investigate Chrysler Capitals practices concerning the handling of tax payments on lease vehicles. I also urge you to facilitate communication between me and Chrysler Capital to ensure this matter is resolved promptly and satisfactorily. 

Thank you for your attention to this serious issue. I look forward to your prompt response and hope for a resolution to my complaint.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

XXXX Claim number : XXXX {$500.00} Made a Bank of America credit card payment with {$500.00} XXXX XXXX through the ATM machine. I got a letter that the money order has been returned. 
I checked with XXXX XXXX XXXX XXXX XXXX and they never declined the payment and Money order can not be bounced or returned. ( XXXX say Bank of America never tried to cash out ). 
XXXX Bank of America and they say i should contact the XXXX to solve the issue but this is Bank of America problem not fidelity. 
They might lost the Money order because they dont have any image which I got from ATM machine.