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

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation!

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Debt collection

Dispute with XXXX  XXXX charging child supourts while I was living with the child and info is not acurate and abusing my credits, I reported original XXXX child supourts for child is living with me not with mother, mother scam me for lying to XXXX child supourts child is living with her and tried to kept her child supourts payments, complaint letter is attached.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Experian inaction violates federal law and my right as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has yet shown any competent evidence bearing any signatures that I do in fact have or ever had contractual obligation to PAY THEM! I do not owe XXXX XXXX XXXX any alleged debt and this is a violation of the Fair Credit Collection Practice Act FDCPA 807 [ 15 USC 1962e ] ; all credit reporting agencies delete entry! 

XXXX XXXX XXXX XXXX XXXX  alleged {$86.00} XXXX XXXX XXXX XXXX for alleged {$86.00} ; alleged {$820.00} Equifax- XXXX XXXX XXXX for alleged {$86.00}
Product: Credit reporting or other personal consumer reports

Fair Credit Reporting Act dictates that every single accusation of debt, be it true or not true it absolutely must be reported accurately, timely, and reported in all deferment/transfer cases. It appears that it can not be determined in irrefutable fact ( as required ) that everyone and all the ACCOUNTS in question were or were not handled properly when they were transferred. I am enacting both my consumer rights lawfully to COMPEL YOU IN WRIT DEMAND to demonstrate all facts and further to inequivalently provide me with written documentation of the deletion of this erroneous information for every one of the unproven or else otherwise not lawfully compliant reporting of accounts, which obviously are in question. Consumer Financial Protection offices ( regarding this unforgivable and extremely injurious error in your clear misreporting of illegal misinformation )! AGAIN, FACT IS that to this date, no entity ( neither the accusers nor you ) has elected to properly and lawfully in truth, accuracy, completeness, timeliness, and otherwise in full reporting compliance ( particularly in XXXX XXXX compliance ) to provide to me, the consumer alleged, even a single or ONE tangible shred of evidence from any much less any of these data furnisher ( s ) of your absolute maximum compliant reporting ( s ). I have indeed made known my concerns of the data providers and you continued potentially unlawful chicanery-based subterfuge in my credit reports as related to these allegations hereby above detailed .I have never received any substantiating verification of irrefutable full truth, accuracy, completeness, timeliness, ownership, responsibility, and compliance to any and all federal obligations and even the XXXX XXXX compliance requirements from anyone even if and when I forwarded written request of information to VALIDATE the account information that your firm reported as miraculously verified, yet without any such proof of this alleged affirmation of facts. I feel it is best to release your reporting this disputed information at once I will have no choice but commence the unpleasantness of a Sections 1024.35 ( Notice of Error ) under Regulation X ( CFPB regulation ) that confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have XXXX  days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or else wise deficient of proof of full of reporting compliance ( be it FCBA, FCRA, FDCPA, XXXX XXXX Compliance, or else whether mentioned or not ) claims or aspects of claims associated. Please delete XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Terms Duration : XXXX  That is not a accurate balance.
Product: Mortgage

I have been strung for over two months to get my escrow and tax refund from Franklin American Mortgage Company. I sold my house on XXXX XXXX, 2015. Monies were received by XXXX on XXXX XXXX, 2015. On XXXX XXXX, 2015, there was a refund listed in my account balance. Over a week later, I inquired as to where the refund was. I was told to wait ten business days. On XXXX XXXX, I emailed inquiring about the money again. I was told that they would immediately issue another check. In this time, I did move - however I had my mail forwarded to me. On XXXX XXXX, my statement again shows the money being withdrawn. Due to my move, I waited until XXXX XXXX to call. I was told by the customer service rep that a check would be issued the following day and sent to me overnight. I see the funds going in on XXXX XXXX an d the money being withdrawn on XXXX XXXX - but still no check. The check should have been here by Wednesday, XXXX XXXX. I called again today XXXX XXXX XXXX XXXX to check on the status. I was not happy ( It 's been over two and a half months since I paid off my loan! ) but I was professional. The CSR told me the check was not issued and was 'pending ' ... she could not give me a true time when the check would be mailed. I then spoke to the supervisor XXXX. He kept apologizing saying he understood but really would not listen and did not provide any answers except that the check may be sent on Friday ... or Saturday or maybe Monday - no SOLID answers. He did tell me quite firmly that I was being sarcastic ... I said how would you be if a company told you that they issued a refund check TWICE but it was not received although you have received other correspondence from then during this period ... I am beginning ti think that I am in the middle of something illegal. Please help.
Product: Mortgage

7 yrs ago I tried to apply for a loan modification to lower my 7 % rate. Wells Fargo ignored me. I hired an atty which one would not have to hire if dealing w/a reputable consumer-friendly bank. They stonewalled the atty, sent inappropriate form letters & told him I should have applied sooner. He told them I had. The fact that they only sent letters after his intervention proved you need an atty. They received interoffice emails from a XXXX banking officer throughout XX/XX/XXXX into XX/XX/XXXX. They have no knowledge of those contacts either ( definite pattern ). They foreclosed despite my filing XXXX XXXX ( 3rd attempt w/out prejudice ) & foreclosed. Based on their " promise to have an independent party investigate '' ( that would be the CFPB ) and the " creation of the Office of Ethics '', which was a total lie, and " commitment to make things right by appointing appropriate officials '' have all been denied by the customer service team who has no authority to settle this case.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


XXXX : XXXX failed to properly restrict access to consumer information. 
XXXX : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data.
Product: Vehicle loan or lease

In XXXX of 2023 I spoke with a rep from Santander Consumer Usa about the reason I fell behind.Which was due to a XXXX  XXXX which took me out of work for XXXX .I told her I needed to make a payment plan which would bring me up to date as I was just starting to get back to work.She told me she would be happy to help me with the issue.After discussing the options we agreed to XXXX for XXXX 2023,XXXX dollars for XXXX of 2023 and the last one would be for XXXX due XX/XX/XXXX 2023.Just received another statement in the mail charging me XXXX late fees.All my payments are done by phone and paid before the due date! When I call them back I get the same answer n nothing is resolved! Also I have spoken to them time and time again about late charges nothing changes! Also requested for them to stop calling my co signer because she doesnt pay my payment and they keep her
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXXXXXX XXXX Balance {$36000.00} ; XXXX XXXX XXXX XXXX Balance {$46000.00} ; XXXX XXXX XXXX Balance {$46000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$13000.00} ; XXXX XXXX XXXX XXXX, DE XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX Inquired on XX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

XXXX XXXX XXXX, XXXX TX. In early XXXX I went into the dealership to cancel my auto warranty I had purchased on my car. I signed a legal document stating that I had cancelled my warranty. I was told that XX/XX/XXXX a refund check was issued to Commerce Bank for my auto warranty that I was cancelled. I tried to get ahold of the dealership multiple times because the warranty refund never posted to my account. I finally got ahold of the salesman on XX/XX/XXXX, that sold me the car, and he told me that the dealership went out of business and that the owners and higher ups of the company are not answering anyone 's phone or giving answers to employees. XXXX XXXX was the financing manager that processed my cancellation and refund. The original cost of the auto warranty was {$2100.00}. I was told a prorated amount around {$1900.00} would be issued to my account. I purchased the car on XX/XX/2020. I am requesting investigation into the reasoning my refund check was never sent to Commerce Bank or never processed, along with the shady practices of XXXX XXXX XXXX XX/XX/XXXX management and owners. XX/XX/XXXX is the company in charge of my auto warranty.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In end of XXXX, 2023, I received a letter from Wells Fargo advising that they would be closing my checking and savings account in XXXX ( although they " reserve the right to close the accounts sooner '' ). The letter referred to a " recent review of our account relationship '' and " the bank 's responsibilities to manage risks in its banking operations. '' No further explanation was provided. I have been a customer for well over a decade. There have been no recent changes to my accounts or activity. There have been no accusations by me of any fraudulent activity. I am a XXXX XXXX XXXX and not involved in any business or personal activities that could be considered " high-risk. '' There is no apparent reason why my accounts were closed in such an abrupt and disruptive manner. Neither I, nor the banker at our branch, have been able to determine what prompted this decision. The sudden account closure has caused significant turmoil resulting from the requirement to open a new account with another financial institution and, thereafter, notify each of the many companies we are doing business with of the changes, so as not to disrupt our ongoing responsibilities for mortgage, utility, and the many other payee/payer relationships associated with our routine life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

In XXXX I schedule to Take a cruise in XX/XX/XXXX XXXX- XX/XX/2020. The cruise line I choose was XXXX  the amount for the cruise was XXXX I paid an deposit of {$100.00} XX/XX/XXXX. XX/XX/XXXX I paid {$35.00} & XX/XX/XXXX I paid {$100.00}. At the time the COVID-19 was not a major issue and XXXX  XXXX  XXXX   did not issue a statement regarding the situation to cruisers! Fast forward weeks go by and XX/XX/XXXX another payment of {$74.00} and final XX/XX/XXXX another payment of {$420.00}. Not once did XXXX address the Covid-19 until the beginning XXXX when they got exposed for allow XXXX ships to departure with XXXX cruisers on board. Nearly a month later they started giving out options to cancel with option receiving a cruise credit or refund! No one can gain access to the customer service line due to the overflow of calls! People have requested refunds back in XXXX such as myself still havent gotten a refund but yet people who requested refund in XXXX are receiving their refunds! Thats makes absolutely no sense Ive waiting well over 60 days and should be compensated immediately! When you try to reach out to see the ETA of your refund they can not provide answer. Unfortunately for me I didnt use a major credit company for payments! I used cash app card, Ive reached out to cash app & cash did nothing to assist me! They couldnt even reach out to XXXX so that they can release the funds! This very frustrating had I used XXXX XXXX I wouldve received 100 % good customer and money back in no time ... Ive attempted to reach out to cash app again however they are requesting proof from XXXX that I am receiving a refund! After telling them XXXX  has not been willingly to help they still do not seem to care! This horrible Im starting to think I will never get my {$700.00} back for a cruise I never even went on! I cant get proof from XXXX  and I cant get help from cash app! I am in desperate need of this money I have been out work for nearly 3 months! I have over due bills and mouths to feed. I need my full refund.
Product: Vehicle loan or lease

Submitted a boat loan application to Bank of the West on XX/XX/21. Received a denial for credit on the morning of XX/XX/21. I reached out to them for an explanation and was told my " DTI is too high ''. I provided supplemental documentation and a complete calculation of my debt vs. my income, as stated on my credit report. My DTI is under 40 % with the requested financing, which is the threshold for qualification. However I was still denied, despite having sufficient income and an average credit score of XXXX. I meet all of the lending guidelines which leads me to believe that a violation of XXXX may be in play here. I suspect it's due to me being pretty young for a typical boat buyer.
Product: Credit reporting or other personal consumer reports

I made a call to XXXX XXXX on XX/XX/XXXX at around XXXX XXXX. We discussed a forbearance at that time. They asked if it was ok to record our message and I agreed. The forbearance included two months because that would make the payoff in XX/XX/year>. In XXXX I received a notice that my car was being repossessed because I had not made XXXX XXXX payments. Because my car was going to be repossessed, I borrowed the money from family in order to keep my car. By me paying XXXX XXXX  brought loan to current. This also brought payoff amount on the loan to its original date, which was in XX/XX/year> instead of extending the payoff loan to XX/XX/year>. This has not been paid because I have not received the correct payoff amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a FRAUDULENT item on my credit report ( XXXX  XXXX XXXX XXXX ). After sending Dispute Letters with FTC report and complaints here in CFPB this negative item is STILL reporting and my complaints have NEVER been resolved. I do not have any idea regarding these fraudulent accounts on my credit report. I'm reaching out regarding this fraudulent item for assistance to remove it from my credit report immediately.
Product: Mortgage

I entered into a loss mitigation agreement with XXXX XXXX  before my loan was transferred to Flagstar bank. The documents were signed and notarized and approve by XXXX, but Flagstar has never acknowledged them and I have received conflicting information from every representative I have spoken to at Flagstar regarding this issue.