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

XXXX XXXX, 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXXInquiry XXXX FCUInquiry XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer 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 ( FTC NUMBER ) 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: Credit reporting, credit repair services, or other personal consumer reports

I hope all of you are doing well as of this moment. I was checking on my credit report and I found erroneous information and I was very disappointed to see it on my report. I am writing three credit bureaus to update or remove this items. I hope someone will help and take action on this matter ASAP. I listed the companies showing on my report : Experian : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX XXXX : Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX I know for certain that this is a violation of the law as mentioned in the following : 15 U.S. Code 1681 b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : This company has been reporting a collection account which i have sent multiple dispute letters, validation requests, original conracts between this company and myself, proof of alleged debt, cease and decist of all comunications.. the company has failed to provide any relevant documentation reguarding my requests, it contionues to report negative information damaging my credit score resulting in denials to credit applications. niether XXXX or any of the 3 major CRA 's are properly handling my disputes, they are continuing to violate my rights and damage the financial welbeing of my family and myself. i have brought my complaint to the CFPB more than once now, why is the CFPB not taking this more serious? I was under the impression that the CFPB would address this matter with urgency and stop these companies from doing further damage? XXXX XXXX XXXX, XXXX, XXXX and TransUnion have all been notified of my concerns and have neglected to correct the inaccuracies!
Product: Checking or savings account

My phone alerted me that money was being taking out of my account from chime. I reported it to them that {$2500.00} had been taking out my account twice by a hacker or error. They told me that they didnt see an issue/problem and then told me I didnt have case. I need that {$5000.00} it was the money I received after my car got totaled and for a new XXXX plus to pay my lawyer.
Product: Credit card

I have several specialty credit card accounts through Synchrony Bank. These cards have promotional ( promo ) payback plans which have defered interest. The problem is in how payments are allocated to these promotional plans. All of the offered allocation methods seem designed to not make sufficient payment to the promo plans. Of the XXXX options all seem to apply any payment that is more than the minimum payment to non-promo purchases. So if you use the card for " regular '' purchases most of your payment will not be applied to the promo plans except in the last XXXX months of the promo period. This seems to make it more likely you would end up paying the total deferred interest accumulated on those plans.
Product: Checking or savings account

Someone stole around XXXXXXXX XXXX from my Wells FARGO debit card. I contacted Them and nothing was done to get my funds back to me. I was only giving this claim number XXXX
Product: Credit reporting

I have initiated several disputes with this credit bureau in regards to fraud on my credit report. Last year I noticed some fraudulent activity and went through your ( FTC ) website for information. It instructed me to fill out and have notarized an FTC Fraud affidavit. I 've sent the Affidavit 3 times with all supporting documents. Also I 've sent the FTC Fraud affidavit to the collection agencies. In the documents I am attaching today you will see when and where the bureau received my documents/letters. 
This has all been hard enough, and with this credit bureau not doing their role to protect the consumer it 's very disheartening. I 'm hoping with you help I can get this resolved for my family. Thank you for being a voice for the consumer.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " XXXX XXXX - XXXX, XXXX XXXX  - XXXX
Product: Credit reporting or other personal consumer reports

Experian lowered my credit score by XXXX points within a DAY after XXXX reported I owed an excessive amount on my credit card. XXXX admitted to Experian that the information was entered in error. After doing so Experian only raised my score back up by XXXX points and stated that I would have to wait an additional 30-60 days to have it corrected. This error should have been corrected immediately with Experian.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a fully protected consumer I am opting out of any and all Authorization I the consumer may have given verbally, non verbally, written or non written per 15 USC 6802. 



Please remove all personal information from my consumer report including Remove all non mailable address from my report EXCEPT the address below. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Can you tell me where you got the previous addresses from?
Product: Debt collection

I filed a Complaint on this matter on XX/XX/XXXX which was dismissed with an inaccurate and dismal response from the Sunnovas XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

She basically called another attorney a liar in her response. The original complaint was submitted on XX/XX/XXXX. The filing number is XXXX. I waited 10 days to file this follow-up Complaint hoping that the Sunnova representative would recognize her inadequate response. 

I am dissatisfied with the agencys closure of this complaint and with the disingenuous response from Sunnova. I note that the XXXX & XXXX XXXX XXXX did not even give her contact information ( to another attorney at that ) but went on to deny the complainants statement of facts to include that her company stole money from his companys account then harassed him to collect a debt he did not owe. 

I need to be made whole. In my view my damages and it must be punitive to stop this kind of illegal and blatant behavior is valued at {$6000.00}. I expect a check for that amount or else I will take this matter to a court of law. 

I am attaching the relevant evidence from my bank and elsewhere to document the harm done to me. Please refer to the original Complaint # XXXX for context and reference. 

PS : Since the closure of this matter by the CFPB I have received two harassing collection calls from Sunnova representatives.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I sought assistance with obtaining my car title from this company and they have failed to send me the title. Its been longer than 45 days. 

I am disputing false late payments reported by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account XXXX XXXX DEPT OF EDXXXX XXXX Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX  has violated my rights. On XX/XX/2020 there was an unauthorized inquiry. 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 an account without my written instructions 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received inquiries on my credit reporting file that I did not authorize. I have disputed them several times. The only company that has corrected the issue is XXXX. Equifax and XXXX have not corrected the issue after 60 days.I HAVE DISPUTED THESE UNAUTHORIZED INQUIRIES WITH XXXX, EQUIFAX AND XXXX ON SEVERAL OCCASIONS. I EVEN BOUGHT MEMBERSHIPS WITH THEIR CREDIT REPORTING AGENCIES AS A GOODWILL GESTURE, BUT STILL NO HELP. 

1. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX 2. XX/XX/XXXX EQUIFAX MORTGAGE SERVICES - EQUIFAX MORTGAGE SERVICES -, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX  XXXX XXXX 3. XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX-MT, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX 4. XX/XX/XXXX XXXX XXXX XXXX XXXXTX , XXXX XXXX XXXX, XXXX, FL XXXX 5.  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX 6. XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX
Product: Credit card or prepaid card

I called Capital One regarding my Venture Card to understand the rewards program.

I earn 2 points for every dollar spent using the card, straight forward, easy to understand, no issues. 

Where I have the problem is I could not find any information on the point redemption values. I logged into my account on capitalone.com but there is no information listed for the value of my points for cash back, purchases, etc. 

I spoke with several agents on XX/XX/XXXX and they informed me that I need to call in to learn of the redemption point values. I believe this information should be prominently shown on their website ( or terms and conditions in the card agreement ) so all consumers know the value of the reward program. The agent informed me of the following cash redemption values : Cash credit : 100 miles = XXXX cents XXXX purchases : 100 miles = XXXX cents Travel purchases : 100 miles = {$1.00} Previously in XXXX, I used to get cash credit of 100 miles = {$1.00}. I was never informed that my redemption point value changed from {$1.00} to XXXX cents. Capital One changed my reward without notice, and continued to charge an annual fee of {$39.00}. 

Capital one should not hide these point redemption values where customers may be unaware of the value of rewards program. Instead, Capital One should be completely transparent of the point redemption values on their website, T & Cs on card agreement, and all marketing materials.
Product: Checking or savings account

Trying to reopen account after 15 years and old account information is still holding onto the new account. When I call the customer service agents they are TOTALLY USELESS in assisting me and because automation has everything locked no one knows how to navigate around it or even know how to escalate to a different department for assistance. 

Totally unacceptable.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I viewed my consumer report and noticed my personal information is listed incorrectly. 15 USC 1681 ( a ) ( 4 ) 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a PayPal account so that my unemployment could be deposited on there not reading all about the rules and policies anyway my first unemployment deposited on XX/XX/2020 and as soon as the funds from unemployment deposited to my card I immediately called XXXX pcs to pay my phone bill well it didn't go through so I tried again thinking maybe I put the info in wrong so I tried it again it declined so im just like confused as to why so I go to the cornerstone go to ATM tried to withdraw some cash it wasn't going through so I try to buy a piece of candy, it didn't access so im lost at this point so next thing I know I'm getting an email stating my account has been put on a temporary limit due to suspicious activity so im upset crying.so I go into my PayPal app and provided some of the info they asked because some of the questions I couldent answer so they put my account on a full limit hold for 180 days so im panicking because rent, car note, electric due I became homeless lost job me and my two children were sleeping in our car that became up for repo so long story short it's been almost 2 yrs I call and try to withdraw my funds and they give me the run around and say to be looking out for an email from them and I been waiting and waiting im currently homeless my 2 kids and I moving from place to place, shelter to shelter, and I direly need my funds of XXXX to be available for me to withdraw can you guys please
Product: Debt collection

This fake assets company harassing me trying to get my bank and credit card information.
Product: Mortgage

Our loan was transferred from The XXXX XXXX to PNC Bank in XXXX. Prior to the transfer, The XXXX XXXX sent us an Escrow Account Disclosure that stated we needed to pay {$260.00} or our would increase starting XX/XX/XXXX. Since I was already told that our loan was being sold AND MOVING TO PNC Bank as of XX/XX/XXXX I was confused. So I called The XXXX XXXX  and told them I wanted to pay the amount due of {$260.00} but since our loan is being transferred do they recommend I wait and they said that's fine. So XXXX comes and PNC Bank finally sent us our first mortgage statement and it's our normal payment due of {$2600.00}. Nothing else comes in the mail until the next statement that says this payment is {$3400.00}. We called them right away to find out what happened. They said it's our escrow. We looked at the different statements and saw they are now requiring an increase in our escrow by an additional {$720.00}. Our payment was due but they ( PNC ) said we had to make payment now and we can figure it out in the next week or so. So we had the increased payment. I called back to PNC a week or two later to see if they figured out the problem yet and was told yes, they don't know New Jersey taxes so they double charged us ( County & City taxes ). I asked if this being fixed they said we are putting in another request for the escrow department to take another look at the account and they told me to call back in about a week. I call back again to follow up because another payment would be due again for XXXX and I was told another run around that we don't have any answers so you'll need to make another large payment. Now here we are in XX/XX/XXXX and another payment is due. I called today and they still don't have any answers. They just keep telling me to make these large payments.
Product: Credit card or prepaid card

I applied for and received the American Express Blue Cash Card ( XXXX ) in  XX/XX/XXXX. The invitation information said that there is no fee, and I also enjoy 0 % interest until the end of XX/XX/XXXX. I therefore applied for a balance transfer of {$6200.00} when I applied for the card. The balance transfer was approved and executed in XX/XX/XXXX. However, AmericanExpress incurred a 3 % balance transfer fee against my account. I believe this is not consistent with the invitation material that AmericanExpress sent me, and therefore a breach of contract. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Failed to unlock My account even though I ' was previously verified by my identity
Product: Credit reporting or other personal consumer reports

Despite my previous attempts to address this issue, I regret to inform you that the late open account remains unresolved in my credit report. This discrepancy is causing significant concern and may have adverse effects on my creditworthiness and financial opportunities.

I kindly request your urgent attention to rectify this matter by promptly correcting the status of the late open account in my credit file. It is imperative that my credit report accurately reflects my financial history to ensure fair and accurate assessments by lenders and financial institutions. 

Furthermore, I would appreciate transparency regarding the steps being taken to resolve this issue and prevent similar discrepancies from occurring in the future. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX : {$20000.00}.
Product: Credit reporting or other personal consumer reports

Experian failed to fulfill its legal obligation under 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 furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures aligns with my experience, where Experian has neither corrected, or 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 the disputed accounts m, as Experians inaction violates federal law and my rights as a consumer.