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

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$40000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Someone is using my identity to get car insurance or home loans and its affecting my credit I never had no car or home or apartment I need this fixed asap I believe my ex gave my information to someone to used my identity because I was living with him for 9 years he know people in law enforcement so its hard on me to prove it but my info is on dark web I never used it before dont know anything about it
Product: Student loan

In 2007 XXXX XXXXXXXX XXXX enrolled me into their Vet Prep program. The only choice to pay for that semester was to use a private Sallymae loan. Being the first generation to attend college my father who has now passed was the only source of financial knowledge I had. He looked at the loan terms with me and even co-signed the loan. It cost XXXX for the vet prep program and I failed one class with a D. I called and begged for the professor of that class to see me. He would not and you are not allowed to repeat that semester. So I was out XXXX and no Chance at Veterinary degree. I have since paid triple of what the original loan was and still owe more than XXXX. It is now with Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX recently sent a pre-approved Platimum VISA card to my address in the name of " Mr. XXXX XXXX ''. This is not the first time that " Mr. XXXX '' has attempted to open accounts in his name at my address. This is not a mistake. It is clearly fraudulent. But XXXX XXXX XXXX   provides no reasonable way to contact them of clear this up. To me, that is a red flag. As far as I know, Mr. XXXX has not yet been successful in opening an account in his name at my address. But I feel sure that this us part of a financial scam, and it needs to be dealt with right away. Thank you.
Product: Money transfer, virtual currency, or money service

I recently attempted a person to person transfer through my bank ( People 's United Bank ) which then went through via XXXX. Though the details that I put in of the person I was sending it to ( my boyfriend ) were all accurate and the money was deducted from my account, he got the notification on his phone but was unable to receive my money. Somehow I then got a message over social media from someone living in the XXXX saying that a friend of theirs received the money and promptly spent it all. He knew the date of the transaction and the exact amount. I informed my bank but they and said it was a XXXX issue and would not reimburse my money. I then spoke to XXXX again and they told me that how the process worked was that Peoples United bank sends them the information of who to transfer the money to, and they then transfer the money to that account. XXXX told me that the name they received from my bank of who to send the money to was someone who lives in the XXXX who I have never heard of. Attached are copies of my bank statement that show that I intended to send the money to my boyfriend and not the person in the XXXX. XXXX then told me that due to this, it appeared to be an issue with the bank and they would not reimburse me. All I want is my money back but no one will give it to me ( and the person in the XXXX already spent it all ). I will also be filing a police report but that won't get me my money back.
Product: Credit reporting or other personal consumer reports

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

The following accounts are disputed as inaccurate : 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
Product: Debt collection

Debt was discharged during short sale. In XXXX we sold our investment property in a short sale with Wells Fargo. We later received a XXXX from the lender, for the cancelled debt amount of {$8000.00}. Immediately after the short sale, we also started receiving statements from XXXX XXXX regarding this same shortage as though the cancelled debt was now owed to them. Not fully understanding the situation, my husband paid their invoices for over a year until he was advised by our accountant that we would not be responsible for both the cancellation of debt and the reimbursement of the short sale funds. We stopped making payments after XXXX XXXX. At the close of escrow we were required to sign a promissory note for {$8000.00} but we understood that we would either receive a cancellation of debit XXXX or the possibility of having to pay the promissory note. We were also advised that Oregon is not a " recapture '' state so it was very unlikely that the lender would attempt short sale recapture.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership to get a car, I told them I want to finance through XXXX XXXX XXXX, they told me they would only apply for finance with XXXX XXXX XXXX and instead I ended up with all these hard inquiries below that I did not consent to. Upon reviewing my credit reports I noticed incorrect addresses, phone numbers and unauthorized inquiries. 

XXXXXXXX XXXX XXXXXXXX ( transunion ) XXXX XXXX XXXX ( transunion ) XXXX XXXX XXXX XXXX transunion ) Bank XXXX XXXX XXXX XXXX ) XXXX of XXXX ( XXXX ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX refuses to remove inaccurate reporting information on my credit report. I submitted proof of conflicting information that was stated to be verified by Experian, XXXX and XXXX. Experian stated they will not remove information based on what is presented from other agencies. All agencies stated verified information from original account holder. The most recent example is from XXXX XXXX XXXX. All 3 agency 's stated account was verified, twice. After contacting the original creditor and presented a letter to Contract Callers, Experian, XXXX and XXXX advising of accounting error. On XX/XX/2021 XXXX XXXX that original account holder that sold to Contract Callers confirmed at XXXX the balance was incorrect, payments were not applied to account correctly and account should not have been sent to collections. No good faith investigation to verify inaccurate information was conducted on the first or second attempt by Experian, XXXX or Experian or XXXX XXXX XXXX. I have sent all three agencies a merged 3 agency report showing factual discrepancies in their investigation and reporting but all came back information verified, which is not possible. I have since filed a small claims lawsuit against Experian, XXXX and XXXX in small claims court in XXXX, Ohio for damages and removal of account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 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  According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

I have submitted several disputes to Trans Union credit bureau regarding incorrect information regarding a collection item on my report - XXXX. This is NOT my account. I have been insured with XXXX for over 6 years. I have also contacted the creditor but no answer has been given after numerous attempts. I am not sure what else to do given the attempts and lack of proper response from the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following accounts have violated my rights XXXX account # XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C 1681 Section 602 A States that I have the right to privacy.

15U>S>C 1681 Section 604 A Section 2 States that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

XXXX XXXX XXXX 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 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

From XX/XX/XXXX - to XX/XX/XXXX there are several unauthorized transactions from my accounts which is obviously fraudulent. It's over and over again, due to me XXXX XXXX XXXX XXXX XXXX XXXX I was unaware of these changes in my account. As soon as I saw these unauthorized charges via Wells Fargo I reached out for help. About {$8000.00} was drained from account over this span with constant charges from XXXXXXXX XXXX XXXX XXXX I looked them up and they are crypto currency platforms. After waiting on hold for almost an hour and not getting anyone ( several times ). I finally hear from someone more than a week later. Every time they called, and I answered no one was on the line. When they called and I finally got someone they told me my claim has been denied, and they are reimbursing me. This was our family 's savings! And even for our XXXXXXXX XXXX which we don't have now. Our rent and car payments all late! This has been the worst experiences from any bank we have ever partnered with and now we are left with nothing for our children on the holidays. 

Charges include : XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} I can not believe this was allowed and is not being taken care of.
Product: Credit reporting or other personal consumer reports

I purchased a XXXX  XXXX I was told and viewed a work slip for repairs on the car as I took possession of it. I followed up with a mechanic at the car dealership set the appointment up with. The mechanic said he would attempt to repair the car however he said it needed extensive work. We called back to the car dealership and was told that they would only do one repair to the head gasket. I personally paid for the second head gasket in order to keep the car from not smoking constantly. Again the same mechanic attempted to fix the car I went back to the dealership to see if there was something that they could do to assist me to give me another call I was told at that time it was on me even though they had filled out a work request slip. After spending close to XXXX dollars and Reporting this to XXXX XXXX and the manager at the car dealership I returned the vehicle. 4 years later there has constantly been reports on my credit saying that I owe money and there's interest accumulated as if I am in possession of this car when I explained the situation I was told to file a complaint.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX  XXXX Account Dear CFPB, I am writing to formally dispute inaccurate late payments reported on my XXXX  XXXX account ( Account # : XXXX ) on my credit file maintained by TransUnion XXXX These inaccuracies misrepresent my payment history and creditworthiness, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
Nature of the Complaint Inaccurate Reporting : XXXX : Incorrect late payment reported for XX/XX/XXXX and XX/XX/XXXX. 
XXXX & TransUnion : Incorrect late payment reported for XX/XX/XXXX and XX/XX/XXXX. 
The account is reported as current, with consistent payments on time except for these erroneous late payment records. Additionally, I have been enrolled in autopay, ensuring no late payments occur. 
Discrepancies in Account Information : High Balance : TransUnion and XXXX report {$380.00}, while XXXX lists {$0.00}. 
Last Verified Date : TransUnion lists XX/XX/XXXX, while XXXX and XXXX have no data for this field. 
Date of Last Activity : TransUnion and XXXX list XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
XXXX XXXX : TransUnion, XXXX, and XXXX consistently show {$78.00} ; however, the late payment records contradict this. 
Violation of the FCRA ( 15 U.S.C. 1681 ) : Section 1681e ( b ) : Failure to ensure maximum accuracy of consumer reports.

Section 1681i : Failure to conduct a proper investigation when disputes were previously raised.

Section 1681s-2 : Reporting inaccurate or incomplete account data.

Potential Violation of FDCPA ( 15 U.S.C. 1692e ) : The inaccurate reporting of late payments may constitute false representation of the character or legal status of my account.

Truth in Lending Act ( TILA ) : Inaccurate reporting practices fail to meet the standards of transparent and accurate credit disclosures. 
Requested Resolution I request that TransUnion : Conduct a thorough investigation of the XXXX  XXXX account inaccuracies. 
Remove all erroneous late payments ( XXXX : XX/XX/XXXX and XX/XX/XXXX ; XXXX and TransUnion : XX/XX/XXXX and XX/XX/XXXX ) from my credit file. 
Update all other account details to ensure maximum accuracy, including high balance, activity dates, and payment history. 
Compliance Reminder Pursuant to 15 U.S.C. 1681n and 1681o, failure to correct these inaccuracies within the statutory 30-day window may result in civil liability, including damages, attorney fees, and punitive measures. 
I look forward to your response within the legally mandated time frame. Please provide written confirmation once the corrections are made. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. 


6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. 


XXXX ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit card

I lost my job and called all my cresit card companies to pay them off in full. I explained that I will not be able to pay anything so I wanted to pay anything amd everything owed. I took a loan out to do this in the amounts given. I paid them exactly what I was told was owed. I now see interest fee 's on all 3 accounts from Chase bank. All other creditors are exactly as we discussed. I was also told they were waiving 1 month of interest in tje amount of {$100.00}. This still has not happened. I've spent countless hours on the phone with them. They trasnfer me back and forth and have continued to make promises not kept! I'm frustrated. I would've made different choices had this been brought to my attention. I know they say all calls are recorded. Its all there in the recordings I do not have access to. Please, please help me. I know it may not seem like a lot but to someone who has no income, who chose to pay my bank credit cards off first it is a huge deal. Its very upsetting the way they talk to you, tell you what you want to hear then ask for a great review at the end of the call and make false promises. I can try amd print the statements and send them to you so you can see. It was showing a XXXX balance on 1 card XXXX, chase and then all of a sudden it was nearly {$1200.00} owed. I had not used it but for an ac repair of XXXX and when I asked how {$400.00} turned into XXXX I was told pending transactions?! I didn't have any since I had paid the card off. The last time I used the card was over a week prior for a vending machine while I was in the hospital. That is not {$1200.00}. Now when I try to print my statements its a blank screen. I need help amd don't even know what questions to ask aside from " where did this amount come from " again I was told pending transactions, that do not add up to that amount. If I could please get your advice and some assistance. This bank has made a fortune off of me. I was always on-time with my payments. I had auto pay set up until XXXX. I have paperless and it will not allow me print my statements!?!??? I can't even take a screen shot of it. I put the last 4 of all 3 account below. I do not have 2 of the cards. I cut them up some time ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2021 while browsing cars on XXXX, the preapproval option was given. No where in the writing did it notate that the preapproval would be a hard pull and on top o that my credit was also pulled by XXXX XXXX as well as Ally Financial, without my knowledge or consent. Therefore this did cause my credit score to drop. I ask that these inquiries be removed immediately from my XXXX credit report.
Product: Credit reporting or other personal consumer reports

The consumer reporting agency Equifax is in several violations of the FCRA for reporting inaccurate data on my consumer report that is not in XXXX XXXX COMPLIANCE and has yet to respond to my notice of their violations sent on ( XXXX ) and ( XXXX ). Failure to remove such data will result in pursuit of litigation on behalf of the many errors and inaccuracies listed in my notices sent to the consumer reporting agency on both ( XXXX ) and ( XXXX ). Equifax has had more than enough time to resolve this clear issue as their actions have damaged my livelihood and ability to obtain credit due to their inaccurate reporting on my consumer report.