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

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor ( XXXX ) has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a a credit account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries appeared on my credit report this morning, and I dont know why. I check my credit report regularly, but this time there were discrepancies I didnt expect. I refreshed my browser, assuming it might be a malfunction, but the unauthorized inquiries stayed. Consequently, I request a thorough examination of the documents Ive provided to ensure this doesnt happen again.
Product: Credit card

On XX/XX/year> I visited a Capital One branch located on XXXX XXXX XXXX, with a total cash amount of {$760.00}. I deposited my money into an ATM XXXX, transaction ID XXXX at XXXX XXXX and the ATM restarted mid process, rebooted, & printed out a receipt stating only {$160.00} was credited to the account. I spoke with the branch ambassador XXXX XXXX who told me to call Capital One to report it. Capital One told me id have to call back in XXXX hours because they were waiting to empty the ATM as the money shouldve gone into a rejection box. I waited until the next day and called again, they proceeded to escalate it to a supervisor who then called the branch directly and merged me into a XXXX way phone call with the XXXX XXXX. They expressed this isnt the first time this has happened with that specific ATM i used that day, and that an investigation would be launched into the missing funds. On XX/XX/year> I was credited the remaining {$600.00} in my account while the investigation was proceeding. As of today XX/XX/year> I checked my account to see they reversed the credit they gave me, and told me in a case letter dated XX/XX/year> that We have received your case # XXXX. Unfortunately, we must deny it because our ATM records do not show an error or a completed transaction for the dollar amount or date you indicated. I promptly called them at XXXX XXXX and after being escalated to a supervisor, was told that a complaint would be filed but that the investigation was closed and final. Im basically now expected to pay a bill from an ATM error and my credit card is now maxed out.
Product: Credit reporting or other personal consumer reports

Equifax has blocked all companies from pulling and reporting to my accounts to them. This started in 2021 when I applied for my mortgage, and they told me they couldn't pull my Equifax report or score. Ever since, no one has been able to pull it. When i go to my credit reporting sites, they have outdated info. Such as old credit credits still open that I've closed. A prior mortgage and car loan still showing open. None of my new accounts are showing. 
I've been trying to resolve this them. Calling numerous times throughout the years. Every person I speak with gives me different information. Some telling me they don't know why, and they will have someone call me back. Others telling me that I need to send in my social security card and driver 's license. I faxed and mailed them this in formation several times. When i called back they stated they didn't receive anything. And such a coincidence Ive been a victim of identity theft because of this. Sending my personal information to places instructed by them. 

Equifax seems like a scam and a complete joke. I have and XXXX credit score with XXXX and XXXX. However, with Equifax a XXXX score because of this. 
Ive given up calling them.
Product: Debt collection

I sent a letter to them on XX/XX/2024 requesting the following :

I have disputed this item with the credit reporting agency, and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have XXXX ( XXXX ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely matter, will be considered a waiver to any and all your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or a waiver of status.

They did not respond within the XXXX  days.
Product: Credit reporting, credit repair services, or other personal consumer reports

( See complaint : XXXX, which remains unacknowledged by Experian as of XXXX XX/XX/ XXXX  ) I have discovered multiple unrecognised and unauthorised enquiries on my personal credit file. Experian has not responded to three requests for additional information about this access, and specifically, identification of the 'permissible purpose ', required by law. 

Copies of my requests for the required information from Experian have been uploaded, the most recent of which was sent by Certified United States Mail. Proof of delivery ( signature ) is included. 

These mail requests were sent to Experian on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX 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/year> 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

The collection account from National Credit Systems with amount of {$290.00} on my XXXX  credit report does not belong to me. Verified via multiple sources, it rather belongs to a person with same last name, similar first name, different date of birth and social security number, who happened to have lived in the same apartment community as I did. 

I disputed this account at XXXX  but they listed this person 's name and address as one of mine and indicated this collection is " verified as accurate '' as the result of this dispute. 

I also tried to contact National Credit Systems. I don't have any account on their record but they refused to offer any help correcting the false report, instead their customer representatives tried multiple times to trick or mislead me to admit I owe the money and make a payment. 

Attached proof from the original creditor showing me having XXXX balance with them.
Product: Mortgage

LoanCare has reported my XX/XX/XXXX as late. My payment of {$2700.00} was sent through my online banking and cleared my checking account on XX/XX/XXXX. Somehow LoanCare could not locate my account and apply my mortgage payment. Loancare held on to my payment and didn't return it back to my bank until XX/XX/XXXX. 

As soon as my bank notified me on XX/XX/XXXX, I took care of the mortgage payment. When I saw that this impacting both our credit scores, I wrote a letter to LoanCare on XX/XX/XXXX. I have yet to receive a response on this error. 

Why do we have to be penalized when we sent payment on time, LoanCare held on to the payment ALL month and by the time they sent it back to my bank pn XX/XX/XXXX it was already more than 30 days late!
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has documented XXXX repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part.

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. 

Former : XXXX XXXX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX
Product: Credit reporting or other personal consumer reports

I had a collection account added to my credit report by XXXX XXXX XXXX in the amount of {$730.00}. I had no knowledge of the account. The account is a XXXX account. They said it is valid and that is all they tell me. I am an active customer with XXXX and XXXX and they would not have given me credit if I owed them. Apparently it is for a cell phone that was sent to a friend of mine 's father 's address. Delivered by XXXX. Signed for by my ex friend XXXX XXXX who is now in XXXX XXXX XXXX awaiting the grand jury to indict on a slew of charges including identity theft because he used my information to get the sprint account and another account I am going to dispute here. They are trying to collect on an account I never had at an address I never lived at for a phone I never had.
Product: Credit card

I have paid Kohls credit card on time every month with my online pymnt scheduled out monthly, I was only using the card to build credit. Never leaving a high balance for any length of time, I will pay at least minimum with online banking, somehow the are showing me as 128 % utilization which is hurting my credit score! How can I be that much over when its paid monthly through banking plus me adding payments to keep this low..This being the second month they screwed up, I called Kohls and they told me they will not help me..until XXXX XXXX.Im trying to buy a house, this is hurting me! good bye kohls..
Product: Money transfer, virtual currency, or money service

been ordering brand new XXXX XXXX XXXX for my XXXX XXXX for 15+ years without any issues within the last 8-10 months the have stopped ordering them and claim they are unable to get them. I called the Fed Reserve in XXXX and were told new ones are available and to seek this route to resolve my problem. The reason it is such a problem is without the new bills the dispenser is constantly getting jammed. this leads to upset customers and frustrated employees. Please help.
Product: Checking or savings account

I have been using PayPal to receive payments for my online business and also paid some of my staff using same platform.

I got a notice that PayPal is requesting for my verification details I gladly provided the files required and all was fine until i get notified that my account has been permanently limned I immediately contacted the executive office and was told that one of the accounts I used to make payments to and they linked to me had a limitation hence why i was also banned. 
please i want to close my account or let me do that my self.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accotdance with the Fair Credit Reporting Act XXXX  account XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 it also stated a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Someone stole my identity and has misused my personal information to open accounts under my name without my permission. I am asking for the accounts to be removed from my credit report. 

Equifax credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I was involved in a auto accident that totaled my vehicle as determined by my insurer XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Kia Finance was sent a letter notifying them that XXXX would be paying off the balance of the loan. Kia Finance sent me an email notifying me that I did not need to make further payments on the account. I called Kia Finance to discuss the email I had received and they assured me that no derogatory information would be sent to the credit bureaus during this process. It is now XX/XX/2019 and XXXX has not paid Kia Finance and Kia Finance has reported a late payment to the credit bureaus dropping my credit score from XXXX to XXXX. There consumer relations group is worthless in trying to resolve the problem. My next step is to file a Federal Fair Credit Reporting Act Lawsuit against Kia Finance.
Product: Credit card

In XXXX and XX/XX/2023, I purchased items from XXXX and XXXX, respectively, which turned out to be counterfeit. I immediately sought resolution through Goldman Sachs Bank USA for these transactions, providing detailed authenticity reports from Authenticate First to substantiate my claims. The journey to resolution has been fraught with inconsistencies, notably in how Goldman Sachs has acknowledged and reviewed the evidence I provided. 

Key Points of Concern : Initial Dispute and Evidence Submission : Starting in XX/XX/2023, I submitted comprehensive evidence, including third-party authenticity reports, to support my dispute claims. Despite this, Goldman Sachs requested multiple resubmissions, suggesting procedural hurdles rather than substantive examination of my claims. 

Acknowledgment of Evidence : It was not until XX/XX/2023 that Goldman Sachs formally acknowledged receipt of my evidence. This delay is concerning, given the timeline of decisions made regarding my dispute. 

Decision Making Prior to Evidence Acknowledgment : Goldman Sachs 's recent communication to the CFPB reveals they could not verify the authenticity certificate provided. This disclosure suggests that their decision to reverse my chargeback in XX/XX/2023 was made without fully considering the evidence I had submitted. The reversal predates their acknowledgment of my evidence, indicating a decision possibly made in the absence of a thorough review. 

Misleading Conduct : For nearly ten months, Goldman Sachs led me to believe the dispute could be resolved favorably upon proper submission of evidence. Their failure to disclose issues with verifying the authenticity certificate until now prevented me from seeking alternative resolutions or evidence, misleading me into a cycle of futile dispute reopenings. 

Expired Return Labels : Goldman Sachs has cited the provision of return labels by the merchant as a resolution pathway. However, these labels had expired by the time Goldman Sachs escalated the dispute, making them unusable for returning the counterfeit items. This critical oversight was not addressed, leaving me without a viable option to return the items under dispute. 

Given these details, it is clear that the resolution process for my disputes has been significantly hampered by Goldman Sachs 's lack of transparency, mismanagement, and apparent disregard for the timing and validity of the evidence I provided. The contradiction in the timeline of evidence acknowledgment versus decision-making raises serious concerns about the integrity of their dispute resolution process. 

Request for CFPB Intervention : I urge the CFPB to review these discrepancies and the handling of my disputes by Goldman Sachs. The issues highlighted necessitate a thorough reevaluation to ensure a fair and just resolution that considers the counterfeit nature of the items, the expired nature of the return labels, and the misleading guidance provided by Goldman Sachs. My experience underscores the need for greater oversight and accountability in the dispute resolution processes of financial institutions to protect consumers.
Product: Checking or savings account

On XX/XX/XXXXI received two letters from Santander Bank signed by XXXX XXXX, XXXX XXXX XXXX. The one letter was addressed to me only and it stated that they were closing my checking account that I hold jointly with my husband and a savings account that is just in my name. A second letter that was addressed to my XXXX year old son advising him that his savings and checking account were being closed. This letter did not include my name which I am the custodian of both accounts. Both of these letters stated that the accounts were being closed and that I had 30 days to close the accounts or they will close them and send us a check.

The letters did not look professional so I contacted the local Santander Branch in XXXX, PA. Upon their request my husband and I responded to the Bank. We spoke with Relationship Banker XXXX XXXX. XXXX related that he also thought the letter looked to be unprofessional and he was reluctant to call the number. After verifying the number was legitimate XXXX  contacted the number listed. After hanging up XXXX related that the gentleman refused to give him a reason of why the accounts were closed. XXXX   related he would have is branch manager check on it the next day. On XX/XX/XXXX my husband contacted the phone number listed on the letter. My husband was told that Santander was not going to give a reason nor are they required. Just as we have a right to switch banks they can cancel are accounts at any time without giving a reason.

I have a business account in my name and a Home Equity Loan with Santander and neither of them are mentioned.
Product: Debt collection

THEIR IS A COLLECTION ON MY CREDIT REPORT THAT IS NOT MINE, AND IF IT WERE MINE IT VIOLATES MY RIGHTS.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per the FTC and FCRA laws and regulations, any inaccurate and outdated information must be immediately deleted from my credit report as it is not reportable under the FCRA since it is incorrect. The only personal information that should be reported on my credit report includes : My Current Address : XXXX 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/year>
Product: Credit reporting or other personal consumer reports

i did not open thses accounts please remove uder section 605b iv been a victim of identitiy theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter off on XX/XX/XXXX. I have sent out another letter certified XX/XX/XXXX. Here is my tracking # XXXX XXXX XXXX XXXX XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is supposed to share my information to third party company 's.

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the The date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX