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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' On my credit report there is multiply signs of identity theft. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' the financial institution and the Consumer reporting agencies XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX5 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Therefore I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of my XX/XX/XXXX statement it says I had a balance of XXXX. On XX/XX/2019 I had made a payment on the amount of XXXX to pay off my current balance. 
It dropped my credit score 35 points because it states that I had a high balance, and missed a payment.
Product: Checking or savings account

I applied for a business checking account on XX/XX/23. I opened my account with a {$250.00} deposit from my credit card, and it was charged on that date. U.S. Bank required additional documentation to verify my identity. I provided that, and my account was opened on XX/XX/23. My credit card was charged again on that date. I have provided a screenshot of my credit card account showing these duplicate charges. I reached out to U.S. Bank customer service via chat on their website. I was told to dispute the charge by U.S. Bank customer service. I have provided screenshots of this conversation. After I attempted to wire money to my U.S. bank business account on XX/XX/XXXX, I found out that my account had been closed. I was informed that the reason was because they had received a chargeback for the opening deposit. I explained that customer service told me to dispute the charge, and I was told that a manager would reach out to the department that closes accounts and that I would receive a callback. I never did. I followed up with a different manager, and he was unbelievably rude and dismissive. I was told that there was no way that I could have been charged twice, and that the account closure was my fault for disputing the charge. I implied that I would file a complaint with CFPB, and he discouraged me from doing so. He said that complaint would be dismissed, because I did not have any evidence. I have attached the evidence. This is entirely U.S. Bank 's fault, and they refuse to take any responsibility. I did exactly what I was told to do by U.S. Bank customer service, and they have attempted to blame me for their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud inquiry on Equifax report : XXXX XXXX XX/XX/XXXX XXXX XXXX : Inquiry XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding Experians failure to provide verification of a debt that appears on my credit report. I requested verification of this debt pursuant to the Fair Credit Reporting Act ( FCRA ), and despite my efforts, Experian has not fulfilled its obligation to provide proof that the debt is valid and that it belongs to me. 
The specific details of the debt in question are as follows : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number ( if applicable ) : XXXX Debt Amount Reported : {$3000.00} I initially submitted my request for verification to Experian on [ insert date of your request ], following the discovery of this debt on my credit report. I included all necessary information and requested that Experian provide : 1. Verification of the debts validity. 
2. Proof that the debt belongs to me.

3. Supporting documentation from the original creditor or collection agency.

To date, Experian has failed to provide this information. Instead, the debt remains on my credit report without proper substantiation, in violation of my rights under the FCRA. This lack of response has caused unnecessary stress and may have negatively impacted my creditworthiness. 
I am requesting the CFPB to investigate this matter and compel Experian to provide the required documentation or remove the debt from my credit report. I have attached the following documents to support my case : 1. A copy of my credit report showing the disputed debt.

2. A copy of my original debt verification request sent to Experian.

.Please let me know if you require additional information to assist with your investigation. You may contact me by email at XXXX or by phone at XXXX. 
Thank you for your attention to this matter. I appreciate your assistance in ensuring compliance with consumer protection laws and holding Experian accountable for their responsibilities. 
Sincerely, XXXX XXXX attached is the letter that i sent and the account in question
Product: Vehicle loan or lease

I am disputing an additional months lease payment and reporting to credit bureaus 30 days late. My 36 month lease paid all payments timely. Lease matured XX/XX/XXXX. I was out of the country for XXXX weeks until XX/XX/XXXX. Prior, I kept regular communication with my dealer regarding my next lease. Upon my return, I phoned GM Financial and let them know I was out of the country and pending a new lease. GMF told me they to turn in by Friday, the XXXX, and if not give them a call. Well, I attempted to turn in my vehicle on Friday, as we agreed, and when I phoned the dealership, they stated they weren't doing anymore inceptions today, and it would have to be Monday. I explained my vehicle lease matured on XX/XX/XXXX, and GMF told me to turn in by Friday. The dealer told me I would be ok to turn in on Monday no worries, we aren't taking more vehicles today. Vehicle turned in Monday morning, all ok. In late XXXX I received a bill for excess miles, wear and tear, a disposition fee, and an added {$780.00}, for going past Friday, the XXXX, despite the dealer not taking the car back at my attempt. I phoned GMF multiple times, requested a supervisor on XXXX occasions, each of which I was told none are available, and one should phone you back in XXXX hours. Despite all my requests to resolve, a supervisor did not phone me until XX/XX/XXXX. This was after they had reported me late on this new bill, after I had a XXXX balance previously, having paid all payments timely in full. The website nor customer service would allow me to pay the disposition and other fees, only the {$2200.00} end of lease bill I was disputing. Furthermore there was a lack of transparency about a time I would be reported to the credit bureaus, at no point in a dozen phone calls. My bills came XXXX stating due immediately, no date specified. GMF is rigid and inflexible in their policy, despite their missteps in which their websites have malfunctioned, no call back from supervisor, no method of recourse outside of a customer service rep, and just general lack of follow-thru and transparency.
Product: Credit reporting or other personal consumer reports

This is my 3rd 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a alert on yesterday XXXX from XXXX XXXX that a hard inquiry had been placed on my report. Mind you I went no where and signed nothing to have my credit pulled on yesterday. This is fraud and I want it removed from all major credit reports XXXX, XXXX, and XXXX  should not show anything being posted to my credit report for XX/XX/2021. I want to file charges on whomever was allowed to do use my credit as it took me a long time to rebuild my credit and I will not allowing anyone to get away with this. This is a serious matter and I want it to be taken as a serious matter or I will contact a lawyer and sue. I am really XXXX about this the fact that someone can use your credit without your permission or consent is totally unacceptable. This is not a game this is my credit that I take seriously since it has taken me almost Five years to rebuild and for someone to be playing these types of games I want to prosecute them to the fullest extent of the law. I don't want any excuses only answer and ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters to the credit Bureau concerning the two listed items on my credit report 1 ) XXXX XXXX XXXX  XXXX 2 ) XXXX XXXX XXXX. I have been requesting the removal of these unknown items because they are not y items and they do not belong on my credit report. I am asking for your assistance after reaching out to the credit bureaus since XXXX XXXX 2022 and never receiving a response or a validation from them. Please assist me with removing the items.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.
Product: Credit card or prepaid card

Bank of America wrongfully closed my credit card account for literally no reason at all back in XX/XX/2022 even though I was making consistent on time payments and never had any issues with making payments. 

They have no right to close my Credit Card account because I'm the one that extended credit to Bank of America via my SSN and they used my application as collateral security to establish the account ( Federal Reserve Act Section 16 Parts 1 & 2 ). Banks have no power to issue anything, the powers and duties of banks are TO BORROW. Bank of America didn't extend me credit ; I extended credit to Bank of America. Therefore, I hold all Titles, rights, and am owed all security interests on this account. 

I have reached out several times to get my credit card reopened but they have willfully and negligently denied and discriminated against me from accessing my own credit. 

They went on to charge off my account and sold it to a 3rd Party company ( That I never consented to have my PERSONAL non-public information sold to, which would be Identity Theft ). Bank of America has clearly severely violated my consumer rights and I am looking to get all damages owed back to me.
Product: Debt collection

The Company claims the investigations has been done and it's me. I have never opened any such account.
Product: Credit card or prepaid card

I made a purchase in the amount of {$1100.00} at XXXX XXXX  XXXX on XX/XX/XXXX. Due to COVID-19 the vacation was delayed and eventually cancelled. XXXX refunded the amount of {$1000.00} on XX/XX/XXXX, minus the cancellation fee. I have called repeatedly for over a month inquiring about the return and was repeatedly told by Discover that the funds were never returned to Discover by XXXX. However, when I would call back to XXXX they would assure me that the funds were returned to Discover. In the process I have spoken to over 25 Discover associates and have been told either that they were looking into it and would call me back, but then I would never get a return call and would have to start all over, or they would forward me on through several associates until finally one would just tell me they did not have my money and could not help me and would refer me back to XXXX. I went back and forth between the two companies numerous times, with XXXX giving me more and more information about the return up to and including a screenshot of the refund capture screen. I have repeatedly offered to email on to Discover all the return information and proof I received from XXXX and was told by Discover that they could not accept emails. I finally managed to get someone from Discover to accept the emails 3 days ago and was told once again that they would look into it and call me back. This time I made sure they told me the date and time that they would call me back. It is now 4 hours past that time I was told they would call me back and I have not received a phone call nor have the funds been credited to my account. At this point, I am of the opinion that the company has no intention of ever returning my funds. Not to mention that I have been accruing interest charges on my account for these purchases for a month and a half even though they have had the funds the entire time. All I have received from their company is excuses, delays, and lies.
Product: Credit card or prepaid card

Purchase was made with XXXX XXXX which was not to suppose to charge my Chase Card nor Chase was suppose to charge me. This matter was well discussed and was going on months and months just to frustrate and not resolve by the facts and merits. I have a number of dispute with chase and they are very wrongful people they know it well as I know them well know, it is just out of way in the business due to the relation with these people. I will discuss in particulars of the matter when you get through and I I hear from you in particulars in written form that will be subject to discussion. Looking forward to hear in this respect. Sincerely.
Product: Credit reporting or other personal consumer reports

This is my 3rd 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX
Product: Mortgage

I have been trying to get this corrected. I made an on-time payment to PennyMac from my Bank Account on XX/XX/XXXX for an XX/XX/XXXX Payment. It was sent electronically from XXXX XXXX to PennyMac. PennyMac tries to say that the payment did not go through. They have called three times to collect the payment from me. Two of these times are AFTER I stated that it was paid. They claim to see the attempted payment but claim there was not a success code and thus it was not a payment. My bank shows it as successful. Twice PennyMac claimed they would research it and get rid of the late fee. However, the late fee keeps reappearing as does the online record showing a late payment. Along with that, they keep calling me asking me where my payment is. They are incompetent.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items I am asking you to verify as accurate Account name [ XXXX XXXX ] ORIGINAL XXXX XXXX XXXX ] [ ACCOUNT # XXXX I'M NOT LIABLE FOR THIS DEBT with [ XXXX XXXX XXXX. I DO NOT HAVE A CONTRACT WITH [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

2022 CHASE credit card {$16000.00} XXXX credit card {$7600.00} XXXX XXXX {$3700.00} These are all debts to which I was an authorized user for my job. These are all debt belonging to my ex employer XXXX XXXX XXXX I was told as per my contract states that once I no longer worked for him. I would be removed as an authorized user on all of his accounts, none of these purchases were for me, or for anything to do with me 100 %. Everything was for my employer. It simply made it easier for him for me to do my job as his personal assistant. 
I went through a terrible divorce. My husband destroyed the decent credit that I did have and Ive been trying to build it back up for XXXX years with on-time payments to my auto loan an early payoff on an auto loan small cards that I keep my balances very low and the major XXXX on my credit are these things that dont even belong to me
Product: Credit card or prepaid card

Hello on XX/XX/XXXX, I've got 4 fraud transactions on my Citi double cash card. 

1. Home Depot ( XXXX ) {$600.00} 2. Home Depot ( XXXX XXXX XXXX ) {$160.00} 3. Home Depot ( XXXX ) {$110.00} 4. Exxon Mobil ( XXXX ) {$44.00} total fraud transaction {$910.00} Right after I've received a text message that Citibank sent me about the transactions, I've made a call to the fraud department to stop paying them because it wasn't me. 
Fraud department told me they will stop the card and issue me new card. 
however, although new card came to me, Citibank did not credit me for the fraud amount until XX/XX/XXXX. 

on XX/XX/XXXX, I've received a letter from Citibank stating that EMV chip was used to make disputed transactions.so they don't consider this fraudulent activity. 

next day I've contacted fraud department and explained again to XXXX who was the representative in fraud department. 
she told me there will be another investigation for my case also she asked me to send an email to fraud department with the evidence ( supporting document ) we've found while having a conversations on the phone. 

after weeks from the letter, XX/XX/XXXX today, I've called them again because my Citi account still showed the fraud transactions balance on it. 
while talking to the representative from fraud department, I've noticed that no one in the department looked at my case. 
representative from XX/XX/XXXX promised me for the new investigation because we both realized how I got fraud transactions. XXXX fraudulent requested replacement card from my account and used it to pay with the EMV chip reader ) which means more than proper reason to re-investigate the case. 
however, representative from today was repeating my case is closed Citibank will not investigate any further unless customer investigate on their own and bring new evidence. 
I've asked the fraud department several times to help my situation in good faith, but answer was the same. Fraud department will not help the customer unless customer brings the evidence to prove themselves innocent.
Product: Credit reporting or other personal consumer reports

Upon me reviewing my credit reports i notice a Collection Account that was fraduelent.
Product: Credit reporting or other personal consumer reports

I have reached out to Experian numerous times and sadly I have to continue this fight to have them to remove inaccurately reporting accounts. In IRS Publication 4681 states that canceled debts or charged off accounts are considered INCOME and income is not to be included in any credit reports. 

I am writing to formally dispute inaccurate information on my credit report that you have failed to properly reinvestigate, in direct violation of the Fair Credit Reporting Act ( FCRA ). The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for consistently failing to conduct reasonable reinvestigations of consumer disputes, mischaracterizing dispute information, and allowing inaccurate information to persist in credit files. I believe my case falls within the scope of these allegations. 

The following account ( s ) contain inaccurate or unverifiable information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The Account was never late please remove the late payments from XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX : The Account was never late please remove the late payments from XX/XX/XXXX through XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX : The Account was never late please remove the late payments from XX/XX/XXXX and XX/XX/XXXX. 

These accounts are reporting as Charged Off Accounts and Pursuant to IRS Publication 4681 Cancelled Debts/ Charged Off Accounts are classified as INCOME. The reporting of these accounts as debt is inaccurate. I never received a 1099-A or C from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the cancelled debt. Income is not to be included in a credit report. So Please DELETE/ REMOVE/ BLOCK these accounts. Thanks I have attached supporting documents including screenshots from the IRS website. 

Under 15 U.S.C. 1681i ( a ) of the FCRA, Experian is required to conduct a reasonable reinvestigation and provide accurate results. The CFPBs lawsuit highlights Experians repeated failures, including : Failure to forward all relevant dispute information to furnishers. 
Uncritical acceptance of unreliable furnisher responses. 
Issuing misleading and contradictory reinvestigation results to consumers. 
Improper reinsertion of previously deleted information. 
Given these legal violations, I demand that Experian immediately : Reinvestigate the disputed information in good faith, forwarding all supporting documentation to the furnisher. 
Delete or correct any inaccurate or unverifiable information. 
Provide a clear and accurate written response detailing the outcome of the reinvestigation. 
If Experian fails to comply, I will escalate this matter to the CFPB, the Federal Trade Commission, and pursue legal remedies as necessary. Please respond within 30 days as required by law. 

Sincerely, XXXX XXXX XXXX : Screenshots