23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I was a victim of identity theft. I have already sent letters from the FTC, I have called them and I have explained that accounts were not opened with my authorization. Unfortunately, in my physical condition, I can not report to a police station because I have XXXX of XXXX and I am in bed without being able to walk. For this reason, under the FCRA laws that protect me as a consumer i request Experian and XXXX to remove all fraudulent account from my credit report attached below thanks, XXXX XXXX
Product: Debt collection

This letter is regarding account # XXXX, which you claim, I owe [ {$120.00} or my account was charged off {$120.00} ]. This is a formal notice that your claim is disputed. acount # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 


I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Checking or savings account

I issued a check ( number 511 dated XXXX XX/XX/2019 ) for {$500.00} to a friend who lives out of town from my checking account with PNC Bank. When my friend went to cash the check at a PNC Branch in XXXX Virginia on XXXX XX/XX/2019, she was asked to pay 2 % of the check amount, in this case {$10.00} to cash the check. 
When I found out that my friend has been made to pay 2 % ( {$10.00} ) to cash the check, I complained to a Mr. XXXX XXXX, Branch Sales & Service Associate, at the PNC Bank Branch on XXXX XXXX XXXX XXXX, XXXX, PA XXXX. I was informed that it is PNC 's policy to charge for check cashing if the person cashing the check does not have a business relationship, because of the 'risk ' the bank is taking to cash the check. 
I think this is an example of big banks continuing to exploit their customer by unreasonable charging of fees while returning the money that I deposited into the account. Please enact a regulation, to prevent the banks from charging any fees to cash checks presented to them in person.
Product: Credit card or prepaid card

I requested to close my Apple Card. the agent didn't sufficiently explain the consequences of closing the Apple Card account. because I have an apple installment, I no longer can pay it off early. even though I have made an excess payment, it can not be applied to the installment loan. I'm stuck with it for 1 year. because of the active installment on a closed Apple Card account, I no longer can apply for new Apple Card.
Product: Credit reporting or other personal consumer reports

I am filing to formally lodge a complaint against XXXX regarding an erroneous account on my credit report. This complaint is made due to violations of my rights under the Fair Credit Reporting Act ( FCRA ). Account XXXX : XXXX Account XXXX : XXXX XXXX XXXX : {$730.00}
Product: Debt collection

Hello, Received letter in the mail from a debt collection agency, UNIFIN, based in XXXX, IL. I called the number twice and spoke with an agent but did not get her name. When called back after contacting what I thought was the original debt who could not find me in their system I called the debt collector back. The agent XXXX who was a woman verified me by my name and last four of SS #. I then proceeded to tell her that this was not my debt and asked for information on who the original debt belonged to. On the letter the original debt is XXXX, when speaking to the agent she stated the acronym stands for XXXX XXXX XXXX Bank based in XXXX IL. She provided me with a number so that I could inquire about myself. The number is given to me by agent XXXX. I called the number once on my own and called again after speaking with the agent. I spoke to the same individual who confirmed they were not XXXX XXXX XXXX Bank XXXX, but XXXX XXXX XXXX Bank based in XXXX PA. This is clearly fraudulent and wanted to alert you to this scam!! When asking the agent where was the call center was located that I was calling she refused to provide me with that information.
Product: Vehicle loan or lease

Had a total loss. The Gap insurance coverage required from me to obtain a copy of the ELO Connected and Protected agreement. Which I had to obtain directly from the office were I financed the vehicle. 
They were not able to assist me stating they do not house those agreement and it's been almost two years since I financed the car. 
They gave my a contact name of XXXX XXXX at XXXX. 
XXXX. 
I called her XX/XX/2021. She answered and said she would get me the agreement. 
I have followed up with her several times and even the finance office again and as of today XX/XX/2021 I have yet to receive a copy of the agreement. 

This is causing my total loss to be delayed and is damaging my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Last 4 SSN To whom it may concern, I, XXXX XXXX XXXX, never gave ( XXXX, Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. $ 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose 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. 
As a consumer, I am demanding a deletion of the following account : following inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I sent dispute letters to Equifax, XXXX and XXXX as my credit report included erroneous information about my date of birth, legal name and current address. I mailed the dispute letters and supporting documentation on XX/XX/XXXX and the reporting agencies should have received the letters by XX/XX/XXXX. Since I did not hear back from the Credit Reporting Agencies after 2 months, I checked annualcreditreports.com on XX/XX/XXXX and I was able to obtain credit reports from XXXX and XXXX which made the corrections requested. 

I was unable to get the credit report from Equifax. I called the Equifax Customer Care phone number and I was not able to move forward with my request as I could not talk to a representative. Then I called Equifax XXXX XXXX XXXX and they requested a new dispute letter ( second dispute letter ) and also a copy of my Social Security Card ( front and back ) and Driver 's License, which I mailed on XX/XX/XXXX. I received a credit report from Equifax with date XX/XX/XXXX, which still contained the wrong date of birth, more specifically year of birth and they used my maiden name for the name on file. 

I have been trying to resolve this issue as I am trying to buy a home and my credit history/report must be available to mortgage loan providers. 

Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX  have overused their roles of being consumer reporting agencies. With unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCP
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a home loan pre-approval recently and the mortgage broker informed me that my Equifax score showed up as XXXX due to " Serious recent delinquencies ''. However, nothing was actually shown as delinquent on the report that the broker pulled, nor on my credit report. My Equifax report shows my FICO as XXXX with no delinquencies or pubic record. 

This is a serious issue because I ca n't contest this with Equifax unless a derogatory account is listed. My identity was stolen on X/XX/15 ( CFPB actually helped me resolve an issue with XXXX 's that arose from this identity theft ) and I filed the appropriate paperwork including a police report and place a fraud alert on all 3 reporting agencies. I also locked my credit to prevent further theft. Currently the only debts I have are a student loan ( XXXX/XXXX ), and two credit cards ( XXXX and XXXX XXXX ). All of my accounts are current and in good standing. 

I would like this resolved as quickly as possible, especially since I 'm looking to purchase a home within the year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

Time and time again I have been ignored by the bureaus and I can no longer wait while they continue to fail at their job. The information hat they are reporting is incorrect and false information and I need them to remove the items listed at once. It is my right under federal law to enforce this action.
Product: Payday loan, title loan, or personal loan

I downloaded the Solo app and signed up as a lender in XXXX of XXXX. My wife started lending a few months after I did and had her own account. 

With the app I was able to lend small loans to people for a period of 15 days in amounts up to {$500.00}. I started to track my loans in XXXX of XXXX after I noticed that all of the loans were not being reported and I was missing money. I reached out to solo on several occasions requesting an audit of my account and it was never done. fast forward to XXXX of XXXX, my wife received an email notifying her of an account audit and that she would be receiving a total of {$1900.00} as a result of the audit on her account. My wife lent a total of {$300000.00} while using the app. After seeing this, I reached out to solo to ask when my account would be audited. On XX/XX/XXXX I received an email stating that an account audit will only be available for users who received the email. I have not received any further communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to CFPB regarding Equifax failing to block a fraudulent account on my credit file after they received a copy of my Identity Theft Report. Long story short, Equifax added my CFPB Identity Theft complaint to my credit report as a consumer statement. I was not under the impression that filing a complaint with CFPB would cause my complaint to end up on my report as a consumer statement. Equifax never asked my permission and not only that but the my complaint mentions Identity Theft. My complaint to CFPB was not intended to be used for as a consumer statement. I wrote to Equifax asking them to remove the consumer statement they added without my permission and they have not responded to my dispute and still remains on my credit report.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

PERSONIFY XXXX
Product: Student loan

Currently on +1-hour automated hold with XXXX. Have been trying to reach a person on the phone for weeks to no avail. It is not immediately evident how to do a loan payoff on the site. 

On XX/XX/23 I was able to get an automated message that I have until XX/XX/23 to do a payoff of the full amount, however no instruction was given on how to do that. It is XX/XX/23 & they have been accruing interest on my loan since XX/XX/23. This seems like intentional negligence to drive up interest for profit.
Product: Debt collection

I saw Credit Control LLC information and saw they were trying to collect a debt. Requested validation. Upon insufficient validation, they forwarded my request back to XXXX XXXX XXXX. The letters were dated XX/XX/XXXX - these can be provided if needed via scan because the pages are numerous. The original XX/XX/XXXX letters were from XX/XX/XXXX and XX/XX/XXXX. 

They did not provide validation and are relying on another agency to do that, which I have also submitted a cimplaint about to the CFPB earlier today- the creditor name, is different on all the documents, banks are different but they are claiming they are the same. I still have not seen the original documnets from XXXX, Credit Control or XXXX on this matter. I disputed the trade line and have not been able to get it removed becasue they are saying becuase they received a statement from them, that it is validated. The ttactic is not legal given the circumstances. A statement of account provided does not validate I own a debt. They also failed to provide what I requested. 

Please let me know if you wish to see communication requests and responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXXXXXX AND XXXX XXXX WAS REMOVED FROM MY CREDIT REPORT. NOW AS OF XXXX/XXXX/2017, THEY WERE PUT BACK WITHOUT NOTICE FROM EQUIFAX
Product: Credit card or prepaid card

I received a statement on XXXX from All Rewards which is being serviced by Comenity-All Rewards. On this statement there was a late charge of {$27.00}. I went online to my checking account and a check was sent to the company prior to the bill due date. I contacted Comenity and spoke to a customer service representative I disputed the late charge and stated I wanted to close my account. XXXX eventually waived the late fee and provided me with a reference # of XXXX. 

On XX/XX/22 I received my statement from XXXX XXXX serviced by Comenity XXXX XXXX XXXX and it now has an additional late fee of {$27.00} and {$1.00} interest charge in addition to the late fee from last month that wasn't waived. Total due now {$55.00}. 

I called Comenity and spoke to Customer Service Rep and then a supervisor. Initially told since account closed they could not waive the late fees. After much discussion, supervisor XXXX stated she would do a system override and clear the late fee. I asked for documentation that this had occurred, since I received the same assurance last month. She stated she couldn't provide me with documentation until after the statement period ends, which would be XX/XX/XXXX. At that time I could call in and get a XXXX XXXX letter. 
The issue is if this once again doesn't go through, like last month, I will have another late fee added and it will probably affect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
I received A letter From XXXX XXXX XXXX  Account # XXXX. 
Has violated, my rights, I will be submitting the letter with violations codes. 
15 USC 1692 ( B ) ( 2 ) 15 USC1692 ( C ) ( A ) 15 USC 1692 ( D ) ( 2 ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( G ) ( A ) 15 USC 1692 ( C ) ( A ) 15 USC 1692 ( D ) 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 card

I have a Bank of America XXXX Visa. In XXXX of XXXX, I decided to accept BoA promotional offer of 0 % interest for a cash advance in the amount of XXXX. The 0 % promo rate ends on XX/XX/XXXX. 

My credit limit is XXXX, and I have about XXXX in credit remaining, so I decided to use the card for monthly utilities ( {$200.00} ), that I would pay off that balance each month in order to avoid interest charges ( like I do on all my credit cards ). 

I paid that month 's minimum payment on the promo balance of XXXX and an additional {$200.00} to cover the new non-promo charges in full. However, BoA still charged me {$4.00} interest charge ( that's 23.74 % interest ). 

When I called to see if I could apply the payment to the new charges or get a refund BoA said no, not until I pay the promo balance in full. Payments can only be applied to the promo balance first, then to new charges. So now I am stuck with the new charges at 23.74 % until I pay the promo balance in XX/XX/XXXX. And I can no longer use the card until XX/XX/XXXX unless I want to pay 23.74 % interest on it! 

This is predatory and misleading! It's designed to bilk interest out of customers even though they are using a 0 % interest promo! BoA needs to offer the payment options that allow monthly payment to be split so that minimum required can go to the promo balance, and the rest of the payment to the new charges, to avoid interest charges!
Product: Debt collection

I have been called repeatedly by Allied Interstate LLC at my phone number as they are searching for someone named who is not me. I am not the person they seek, and they have been informed of this, yet they continue to harass me.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : XXXX, 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 the Equifax credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( private ) a cell phone account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a cell phone account opened at XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of $ [ private ] that appears related to the aforementioned cell phone account opened at 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 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.