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

On XX/XX/XXXX, I took action by filing a formal complaint with XXXX XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent. Concerned by these unexplained entries, I immediately requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I underscored the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX  ), and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), which oversees financial institutions. I urged these agencies to thoroughly investigate my case. 
Additionally, I have asked these agencies to determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could lead to false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system. 
By sharing my experience, I hope to raise awareness and help others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
Its important to understand that a companys name must exactly match its legal registration, as outlined in official documents like articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, that entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring the correct legal name appears on consumer credit reports is more than a formalityits a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
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 Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

I was awarded a car in a seperation ( XXXX XXXXXXXX related ) where I was the cosigner. Ford Motor Credit would not work with me to get the title in my name. My abuser repeatedly used the car to harass and abuse me so I turned in the vehicle after repeated attempts to get help and after a year of struggling. Ford Motor Credit never attempted to contact the originator of the debt. They contacted me by mail stating the car would be sold. 4 years later I was informed that they were suing me for the balance. My response was not recorded at the court, I did call Ford Motor Credit and their attorney and informed them that the vehicle was sold and that I was not the originator of the debt, they acknowledged that they never contacted him laughed at my abuse claim and hung up on me. My wages have now been garnished for 1200 more than the debt. I was never notified of the judgement and it was ever put on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and Inquiries appearing on Credit Report. 


Inquiries XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

ON OR ABOUT XX/XX/XXXX, I REQUESTED VALIDATION OF ALLEGED DEBT FROM CCB/DNTLFRST WITH SPACIFIC INSTRUCTION ON HOW I WOULD LIKE TO BE CONTACTED THE Y VIOLATED THE INSTRUCTIONS AN SENT A VERIFICATION LETTER STATING IT WAS VERIFIED AN NOT VALIDATED LIKE I REQUESTED ALSO THIS IS A MEDICAL DEBT AND SHOULD NOT BE REPORTED ON MY CONSUMER REPORT WHICH IS A VIOLATION OF HIPPA According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third-party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it XXXX was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section 29. I Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I looked at a copy of my credit report and noticed you are reporting this account with a PAST DUE BALANCE, this is inaccurate reporting and should be removed immediately. 

Here are the items I am asking you to verify as accurate : 1. XXXX | XXXX  After your investigation is complete, please send me the results via mail.
Product: Credit card

Citicards XXXX is listing a credit account on my XXXX credit report that is not my account and is a fraud account
Product: Payday loan, title loan, or personal loan

This is my second time reporting this company for the same thing illegally posting a debt on my credit report that didn't belong to me.and still reporting it after I stated it's not mine. I reached out to company and saying this is not my debt so stop reporting this to all three credit bureaus.So the company requested that I complete an identity theift report, I made one with the federal trade commission.and sent a copy of the report to National Credit Adjusters. but this company continues to report this account as mine, and has not removed the account yet. They just reported this account as mine again on XXXX. 
To all three credit bureaus again. And I'm a little fraustraded behind their actions as a business. I just want this company to remove their self from my personal data, and stay out of it, .you have the documents you requested.
Product: Mortgage

On XX/XX/XXXX, we paid ourXX/XX/XXXX mortgage payment of {$1200.00} by USPS certified mail. Chase misapplied our mortgage payment as a principal reduction payment onXX/XX/XXXX. Chase reversed the misapplication on XX/XX/XXXX after numerous secure messages and a certified letter. Chase refused to send our XX/XX/XXXX mortgage statement from XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX, Chase uploaded our XX/XX/XXXXmortgage statement to the Chase Mortgage Online site. The actual XX/XX/XXXX mortgage statement was backdated to XX/XX/XXXX. I received the XX/XX/XXXXmortgage statement by USPS on XX/XX/XXXX. Chase is backdating customer financial records.
Product: Credit card or prepaid card

This Complaint was completed by I XXXX XXXX The Consumer no third party etc involved. I XXXX XXXX The " CONSUMER NATURAL PERSON '' under 15 USC 1692 a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. 15USC 1692 a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 15USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I the consumer extended my Original Credit as the ORIGINAL CREDITOR in a consumer transaction to receive an open ended credit line I was not authorized and denied I verified who I am and 15 U.S. Code 1692 - Congressional findings and declaration of purpose 15 U.S. Code 1637 - Open end consumer credit plans. The company refuses to acknowledge who I am and what my status is under the Federal Law, Consumer Law, FAR, UCC, TILA, and FDCPA laws rules and regulations. I also am reporting Billing Error due to false and misleading practices and failure to send or submit the proper documentary evidence in the alleged agreement provided from Capital One I sent in instruments that is written by law deemed acceptable being public law 73-10, 48 stat 112 and UCC 3-104 and other laws regulations that will be used in my affidavit with the exhibits I also have to present.
Product: Credit card or prepaid card

Received phone call from XXXX at Elan Financial Services ( XXXX ) on XX/XX/2021 at XXXX XXXX XXXX. She left a message that was unclear but provided a phone number and that she represented XXXX. She was called at XXXX : XXXX XXXX XXXX on XX/XX/2021 to understand what was required, Her response was that in order to complete the chargeback claim, XXXX XXXX XXXX would require a third party independent verification letter on my expense about the condition of the vehicle despite the open XXXX XXXX XXXX XXXX XXXX # XXXX and report to the federal auto division provided in prior CFPB complaint XXXX. 

The vehicle has been repaired and there is no party who can review it now in favor of what XXXX is requesting. XXXX was sent paper copy of all bills with all notes and receipts regarding this transaction item as proof and defense. All they have to do is execute a charge back like all other credit card companies. XXXX was sincerely not interested in her duties in seemed on the phone and did not view any documents supporting the claim prior to the conversation. I will not tolerate XXXX more disgruntled bank worker at XXXX XXXX XXXX who is unwilling to do their job and represent their client card holder.
Product: Student loan

For over 10 years I have been trying to get my daughter 's student loan payments to an amount I can afford. The amount I can afford is {$300.00} to {$400.00} per month. Each year I call Navient the representative tells me the amount I want to pay is fine, but I will still be considered delinquent if I don't pay the entire amount due. Finally in XXXX  one representative told me if I consolidate the loans I can get it to {$300.00} or {$400.00} per month. Well when I got the approved amount it came to around {$1600.00} per month. That was crazy, I contacted Navient immediately and told them I am unable to pay this amount. The representative said we can defer your payment for a year and maybe then you can pay it. I told them no I will not be able to pay it. I had to send a letter to the CEO of Navient and I got another representative to contact me. She indicated she would investigate this matter. Well she came back with there is nothing I can do to change the amount you need to pay, but I can defer you payment for a year. This is ridiculous how Navient representatives trick their customers into consolidating the loans when they are being told I can't pay the amount you are requesting in the first place. Then the new consolidated loan amount is 100 % higher than the individual loan amounts. This has been a burden on me for many years and I am tired of it. I need someone to contact Navient regarding tricking customer into consolidating loans and then not helping them to make the reasonable payment the customer can afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

N.Accordance with the fair credit reporting act XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a manager at this company that ran my credit without my authorization. There was no reason for the company to inquire about my current credit profile due to the fact that I already have an account with the business that is active, current, and in good standing. I did not give this company permission pursue a credit check at all. The company is XXXX XXXX located in XXXX XXXX, IL. The finance company thats works with the facility is CNAC Finance.
Product: Credit card

I called in today, XX/XX/XXXX, and asked that an off-cycle balance report be run so the change can be reflected immediately on the credit reports of my authorized users. The agent, a female, kept confusing my request with a credit report and stated she could not run an off-cycle report. When I asked to speak with a manager, she stated that there is only one manager at the entire Bank of America company that I could speak with, that manager was in a meeting at XXXX CT, and that I could not wait on hold when I was unable to receive a call back. Egregiously and the reason for this complaint, the agent cut me off, spoke over me, and hung up the phone.
Product: Money transfer, virtual currency, or money service

PayPal notified me they had paid XXXX {$19.00} for a monthly subscription on XX/XX/XXXX. I told Paypal the subscription had been discontinued and XXXX did not receive the payment. PayPal refuses further explanation and refuses a refund.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit card

The claim is against Truist Bank, XXXX XXXX. On XX/XX/XXXX, I disputed 6 transactions from my Truist checking account ending in XXXX. The dispute was made by telephone and documented 6 transactions applied to my statement, listed as to " XXXX '' and made for {$200.00}, {$130.00}, XXXX, {$300.00}, {$670.00}, {$1000.00} with associated fees on respective dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX. My total claim is {$2800.00} ( + reimbursement of associated fees charged by Truist ) I indicated to the Truist agent that I did not recognize any of these transactions or the vendor and the Agent speculated that " XXXX  '' vendor was most likely fraudulent ( I believe they will have the call recorded ). I also indicated to the agent that I was currently on sabbatical leave in the XXXX and to contact me by phone ( US number XXXX ) or email if they needed more time spesitive information. Truist also hve my temporary XXXX address and have sent materials here. Truist Claim No : XXXX was created on XX/XX/XXXX and on XX/XX/XXXX, I received at my US address a letter ( attached ) indicting that they have refunded {$210.00}, relating to the disputed XX/XX/XXXXXXXX   transaction that they agreed is fraudulent but denied all other disputed transactions and claims, despite that they were all from the same vendor. Their reason for denial is that the other claims were " not reported in the require time frame '', despite that the honored claim was the earliest, and the most recent claim ( for {$1000.00} ) was made the same day as the transaction posted. I attach a scan of the letter from Truist dated XX/XX/XXXX. My Truist online site does not allow me to dispute again the transaction of XX/XX/XXXX for {$1000.00} + {$32.00} ( fee ) that was originally disputed when still pending. Truist has not explained how these charges were made or by who/which vendor or if it is claimed to be the XXXX XXXX  and if so how a conection was made between a XXXX client and my Truist accout. Also because these transactions were new and possibley suspect why I was not alterted by Trusit as part of the security normally practiced by Banks.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of the erroneous and unrecognized accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company in which they have assured me that they no longer have this account. I have paid the original creditor in full, therefor the following account is not owed. 

XXXX XXXX. Account # XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I went to dealership to look into purchasing a vehicle. I noticed my wallet was missing. Later that day I discovered that the wallet was not inside my home either. I went immediately to check my credit and noticed there were all kinds of fraudulent activity going on my report. I immediately went to the police to report the activity I notice. I then began to send the credit bureaus the police reports and identify theft reports to get these things removed, and they never responded to me at all. These fraudulent activities are holding me back from purchasing a new home and vehicle.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( XXXX XXXX. XXXX ( b ) ). 

XXXX. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA XXXX XXXX ( a ) ( XXXX ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within XXXX  days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$440.00} XXXX  XXXX Account # : XXXX Balance : {$340.00} XXXX XXXX XXXX Account # : XXXX Balance : {$680.00} XXXX XXXX XXXX Account # : XXXX Balance : {$800.00} XXXX XXXX XXXX Account # : XXXX Balance : {$830.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section XXXX ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.