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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened aXXXX XXXX XXXX XXXX, XXXX. on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 # ( private case number ) 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

I received my Chex Systems Consumer Report ID : XXXX and the following Reported Information, Inquiries Viewed By Others and Inquiries Viewed By You currently listed and showing on my Chex Systems Consumer Report is fraudulent, unauthorized and not my reported information or inquiries viewed by others or me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Cfpb upon looking at my Experian credit report I noticed that Experian removed a positive account for my credit report today which I had over a year and I did not give them written consent to furnish my credit report. Also I'm uploading documentation so that you can see that when they removed my positive XXXX progress card account it took my credit score down XXXX points cfpb please make Experian reverse the action and put that back on my credit report thank you
Product: Credit reporting or other personal consumer reports

My person was information was leaked in the credit bureau data breach. Under the fair debt collection protection act I request validation of leaked accounts and information that was compromised. I am also aware of the law suit placed against Experian for not correcting errors on credit reports.
Product: Credit reporting or other personal consumer reports

Dear Comenity Bank/Express Customer Service , I am writing to formally request a copy of Form 1099-C ( Cancellation of Debt ) for my charge card account, which has been inaccurately reported as charged-off on my credit report. Below are the relevant details regarding the account : Account Holder Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Date of Charge-Off : XXXX XXXX ( as reported, though disputed as inaccurate ) Charged-Off Amount : {$760.00} Credit Limit : {$340.00} Highest Balance : {$760.00} Last Four Digits of SSN : XXXX Per IRS regulations ( Section 6050P ), you must issue Form 1099-C for canceled debts of {$600.00} or more. I need this form for my records and tax compliance, as the reported charge-off of {$760.00} may impact my tax obligations. 

However, I am actively disputing this accounts status with credit bureaus and the CFPB, as the charge-off and delinquencies ( reported as 30180 days past due in XXXX ) are false. I made all payments on time, and this account was never delinquent or charged off. The inaccurate reporting has severely damaged my credit score, denied me credit opportunities, and caused financial hardship, which I am addressing through ongoing disputes. 

If Form 1099-C has not been issued, provide a written explanation detailing why, with supporting documentation for the charge-off. Clarify any outstanding balance, whether the debt was sold or assigned, and if further action is required. I am concerned that failing to issue this form, if applicable, violates IRS rules and complicates my tax filings. 

Please send the requested documentation to the address above promptly, no later than 15 business days from receipt. Contact me at XXXX or XXXX if needed. I expect your immediate and thorough response to resolve this critical issue. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

On XXXX/17, I made a payment of {$760.00} for my credit card on the XXXX website. The funds were quickly removed from my checking account at XXXX the very next day XX/XX/2017. The problem is the {$760.00} never posted to the XXXX account and they never got paid. This has been an ongoing issue for two months and neither XXXX, XXXX, of FIS ( the payment vendor ) seems to know what to do. I am consistently told that FIS will contact me but they never do. I only want the {$760.00} to be paid and post to the XXXX account. That is it. For some reason, this is an issue for all parties involved and this has gone on way to long. What happened to my money? Is it just sitting in a FIS suspense account somewhere? Thank you.
Product: Checking or savings account

XX/XX/2020 I've tried several times to have my bank account connected to use with a different merchant for financial services and each time I'm unable to access my information.
Product: Prepaid card

The card was bought from XXXX 's and then gifted to me on the same day, XX/XX/XXXX. I only recently found it in my room, untouched. On XX/XX/XXXX, I tried to buy a digital camera on XXXX and the purchase did not go through even after multiple attempts. The message I received from XXXX was " Please use a different card or check your balance. '' I checked that my information was correct multiple times. I then went to the AmEx gift card balance site to check my balance. I put in the card 's information and saw that it was active and had {$50.00} on it. Over the next two days, I tried to buy fast food ( XXXX 's and XXXX XXXX for pickup on my phone with the card. These purchases also did not go through. Today ( XX/XX/XXXX ), I called the number on the back of the card ( XXXX ) and was connected to a machine that only gave me my balance and had pre-loaded FAQs that were played to me. On this call, I was told my balance had gone down to {$49.00}. I went to the website to check my balance and see where the XXXX charge came from, and it was " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL '' XXXX yes, " XXXX '', not " XXXX '' ). I do not live remotely close to Florida. This could not have been when I tried to purchase food from XXXX 's because I ended up not getting food at that point and none of the total was reduced. I tried once again to use the card today on XXXX. It didn't work. I then attempted to load the card onto a XXXX account, in hopes it would let the card go through on XXXX. XXXX would not even accept the gift card and showed this message " Your card was declined by the issuing bank. Please try a different card or contact your card issuer with questions. '' Then, I filed this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received copies of my credit report currently and saw inquiries that I have reported to all XXXX credit bureau on more than XXXX occasion. I have placed more than XXXX disputes online and written statements that the following inquries listed was not by me and have put in a fraud alert on my reports and it still remained on my report. The last written letter to all XXXX credit reporting bureau ( Transunion, XXXX, and XXXX ) was certified mailed on XX/XX/XXXX and it stated that I wanted this listed inquires removed because they were not mine. I asked for them to be removed immediately. If they could not send me proof of consumer verification, please remove in 30 days. I received a response that it was updated and remaining on report with no verification included with updated report. 
The following listed inquries included in the letter are the following : Transunion : XXXX XXXX XXXX Inquire on XX/XX/XXXX Inquire on XXXX XXXX XXXX XXXX XXXX XXXX  Inquire on XX/XX/XXXX Inquire on XXXX XXXX and XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquire on XX/XX/XXXX ( Twice ) Inquire on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent Capio Partners , LLC a U.S. certified debt validation letter approximately on XX/XX/2021 ) requesting that it also provides my legal authorization and initiation for it to gain access to my personal information. Capio responded with a letter ( see attached XXXX dated XX/XX/2021. The letter does not include what i requested for legal authorization debt validation, permissible purpose, nor how it accessed my personal information to report to major credit reporting bureaus ( for example, XXXX and XXXX ). The letter from Capio states that the account is closed and returned to the client. I do not know who the client is. The letter also lists an account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX  XXXX Balance : {$4400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$8200.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$4400.00}
Product: Credit reporting or other personal consumer reports

I received my credit report from XXXX, TRANSUNION AND XXXX on XX/XX/XXXX and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report. 

XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my profound concern in regards to a few questioned accounts that remain mistakenly recorded on my credit report. In spite of numerous endeavors to address these mistakes and rehashed demands for a careful examination, there has been no goal or remedial move made to date. 

These wrong records are seriously harming my credit document and essentially thwarting my capacity to have a typical existence. The negative repercussions of these mistakes have caused tremendous difficulties, and I'm left with no decision except for to argue for your nearby help with correcting what is happening. 

I generously demand that you lead a careful examination concerning the detailing of every one of these contested records. It is basic that the vital advances are taken to refresh and redress my credit report immediately. With your assistance, I desire to reestablish the precision and respectability of my credit record so I might recover command over my monetary prosperity. 

I genuinely ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue speedily would be extremely valuable. 

Much obliged to you ahead of time for your comprehension and help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, North Carolina, XXXX Email address : XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX 

XXXX, North Carolina, XXXX Subject : Formal Complaint Regarding Credit Reporting Errors and Violations of the Privacy Act Dear Sir/Madam, I am writing to file a formal complaint regarding multiple issues with the credit reporting agencies ( XXXX, Equifax, and XXXX ) and third-party collection agencies, which have significantly impacted my financial well-being and privacy rights. I request your immediate assistance in resolving these matters in accordance with applicable laws and regulations. 

Issue 1 : Non-Mailable Address The credit reporting agencies have failed to update my address despite multiple requests, rendering their correspondence non-mailable as per 39 CFR 233.3. This has led to delays in receiving important financial information and has adversely affected my ability to manage my credit effectively.

Issue 2 : Misspelling of Name Furthermore, these agencies have persistently misspelled my name in their records, which has resulted in inaccuracies in my credit reports. Such errors violate the Fair Credit Reporting Act ( FCRA ) and its implementing regulations, specifically 15 USC 1681e ( b ) and 12 CFR 1022.41.

Issue 3 : Third-Party Collection Agencies In addition to the credit reporting errors, I have been subjected to harassment by third-party collection agencies that are not affiliated with the original creditors. These actions may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692, and its relevant provisions.

Privacy Act Rights I also wish to invoke my rights under the Privacy Act of 1974, 5 USC 552a, which requires federal agencies to safeguard the confidentiality of personal information and to ensure its accuracy, relevance, timeliness, and completeness.

I hereby request that the Consumer Financial Protection Bureau investigate these matters and take appropriate actions to rectify the errors and prevent further harm. Specifically, I seek : Correction of the inaccurate information on my credit reports. 

Removal of any derogatory remarks resulting from the actions of third-party collection agencies. 
Enforcement actions against the credit reporting agencies and collection agencies for their violations of relevant laws and regulations.

Compensation for any damages incurred as a result of these errors and violations. 

Enclosed with this letter are copies of relevant documents supporting my claims, including correspondence with the credit reporting agencies and collection agencies. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please keep me informed of any updates regarding the investigation of my complaint. 

Thank you for your assistance. 

Sincerely, XXXX XXXX Enclosures : Copies of relevant documents ( e.g., credit report, correspondence ) Any other supporting evidence
Product: Vehicle loan or lease

Towards the end of XX/XX/XXXX, I bought a used vehicle and received financing through XXXX XXXX. Within the first couple of days ( XX/XX/XXXX ) the car broke down and had to be returned to the dealership for work. They stated that it had been repaired. Right away the car broke back down ( XX/XX/XXXX ) and it was was returned yet again for work. Again they stated it had been repaired. A couple of weeks had gone by and then on XX/XX/XXXX the vehicle again broke down. At this point we claimed the lemon law and demanded to have the dealer take the car back. The dealer took the car back, even offered a new one which we declined. They stated that they would handle everything in regards to this vehicle. Fast forward a few months and I was notified that the auto loan had been charged off on my credit. This is absolutely unacceptable as the vehicle was a lemon car that had to be repair multiple times within a 30 days window of the purchase.
Product: Checking or savings account

On Saturday, XX/XX/XXXX, approximately between XXXX XXXX, I attempted to deposit {$1000.00} in cash into my checking account using a Bank of America XXXX ATM ( ATM ID # XXXX, branch located on XXXX XXXX in XXXX XXXXXXXX XXXX XXXX ) when the machine took the cash, suddenly spat out my debit card, and shut down. The odd thing that I noticed was that when I put the money into the cash deposit slot, it took the money but the machine did not make any clicking noise to count the cash. Unfortunately, I could not contact or reach anyone because it was beyond their service hours for the weekend ( ATM issue service ended at XXXX XXXX XXXX  ). 

I then contacted the BofA ATM issue service number on Sunday to report the incident ; a guy who took my claim the knew the ATM ID without my telling him, and stated that my account would temporarily be credited by Monday night ( XX/XX/XXXX ) while they do the investigation. I urged them to check their recorded ATM surveillance video as it should be on XXXX to which he said they do. 

Come Monday night, I find no cash deposit credit, no updates or any evidence of my claim anywhere. No email, no communication. So I called back again today ( XX/XX/XXXX ) around XXXX XXXX and spoke with XXXX ( asked for her name this time ), and she stated that there had not been any ATM claim under my account. So I had to restate the case, included all the details, and now I have to wait for them to finish investigation up to 10 business days. 

I would like my {$1000.00} in full as it should be deposited into my checking account and BofA be held responsible to pay any XXXX fees that this deposit delay may incur.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX XXXX XXXX XXXX  This is a charge off account and the balance should be {$0.00} and why is it showing {$490.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$2000.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report 3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX XXXX XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$330.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent in a letter to validate accounts on my credit report, they did not resond. I sent in a failure to respond letter on XXXX it's now past 45 days and by law it must be removed!
Product: Payday loan, title loan, or personal loan

My loan has switched from XXXX / Yamaha to Yamaha Finance. My payment was {$180.00} on my XXXX account. I also had sent my XXXX payment in to XXXX in XXXX. The statement shows that I am behind a month and that my payment is {$210.00} per month but does reflect the same interest rate. I have made multiple attempts to reach someone by phone and email but have not gotten through to anyone. My first attempt to contact them was on XX/XX/XXXX. I was on hold for 2 hours, the next day for 1.5 hours. I recieved a number on a facebook page to call XXXX. I did reach a person who took my info down and stated a superviser would contact me within 24 hours. Now that number only rings and no one answers. I sent an email the same day and only received an autoresponce that someone would contact me soon. This is a huge issue and multiple people have been affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.