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

After investigating an unfamiliar debt listed on my credit report, which I looked into after being denied credit, I discovered that the debt listed on my report was for a different person, at a different address, for a different and lower amount than listed on my credit report.   I asked Equifax to investigate this obvious fraud, and they came back with the stance that they would keep it on my report until   XXXX   and include my statement detailing why it is fraudulent.     This is a breach of trust and failure to investigated reported debts and uphold accurate credit reporting rules as is required by credit reporting agencies. Because of this misconduct, I request that CFPB investigate this debt report ( previously reported here ) and compel the credit bureaus to increase screening and implement debt validation practices and to be forbidden from reporting false and damaging information on a consumer 's credit report.     This credit bureau will be held liable for damages caused for acting in bad faith and failing to verify reported debts.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was opened without my knowledge, consent, or authority within XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9900.00} XXXX XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$400.00} XXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX XXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$4400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XX/XX/.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and seen that a late payment was reported on an account that I have never never late for. Consumer Reporting Agencies have assumed a vital role and are responsible for outlining the information to the best of their ability with Maximum Accuracy. For the accountXXXX have never been late payments. Please investigate and provide proof with statements showing the payment the account was late. If Proof Can't be provided, I demand these payments be amended to on time as they should be as I was never late. Thanks.
Product: Credit reporting or other personal consumer reports

I am submitting this CFPB complaint to request, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), that you block information on my consumer credit report that has resulted from identity theft and fraud within 4 business days of receiving this complaint. The fraudulent and incorrect information includes the following : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} These accounts have led to several fraudulent collections appearing on my consumer FICO credit report. I do not recognize the listed accounts or collection as mine. The accounts and collection listed on my consumer credit report were not opened, initiated, or authorized by me. They are all a result of identity theft and fraud. Enclosed is a copy of FTC Identity Theft Criminal Complaint # XXXX from the US Federal Trade Commission, which verifies that the listed accounts and collections are due to identity theft and fraud.
Product: Credit reporting

I noticed XXXX erroneous accounts on my credit a few weeks ago and I immediately took steps to have this error corrected by contacting both the data furnisher ( XXXX XXXX ) and the bureau ( Experian ) which were reporting this incorrect information on my credit file. 
I am attaching the letter I sent to Experian in which I dispute the account on XXXX XXXX. I also am attaching the letter I sent to XXXX XXXX on XXXX XXXX, requesting a description of their " verification procedures '' as well as the XXXX forms transmitted by them to Experian regarding this account and any and all data submitted as " verification '' of this account. To date, I have received no response. Since my letter was sent out over 30 days ago, the window within which they must respond has now closed for them to provide requested verification proof. Therefore, as they are unverified accounts they must be immediately and permanently removed from my file, as per 15 U.S.C. 1681s-2 of the U.S. Code, which states : " ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. '' Please instruct Experian to remove these XXXX unverified and erroneous accounts from my credit history.
Product: Checking or savings account

Ok so basically I depsitted a large amount of money in my chime account. Money came from the covid Assistance, my taxes, savings etc. pretty much it was my savings I previously had in my cashapp and felt it should be in a bank to be more secure. I started seeing emails from chime transactions alerts on my phone so I called reported the issue they gave me back what was stolen. Then I had the misfortune of losing my phone which had my banking app and pretty much my identity on the palm of their hands. I reported everything immediately and chime stood by while my account was being drained day in and day out. I was helpless to stop them because my info was changed. And chime closed my account after it was fully drained. Ive put in multiple disputes rebuttals and all get denied when I ask for the documentation on why my claims were being denied all they do is send me a list of transactions Im disputing. Ive called spoken to pretty much the whole company from disputes, new accounts dept, fraud, supervisors and all tell me they will send an email to the correct dept and for me to wait for a response from support @ chime. I wait I get a response and they tell me the exact same thing. Nothing. Just keep getting denied and when I ask for documentation on why they are denying my claim they send me what Im disputing basically nothing. I ask why they close my account and they say it does not comply with the user deposit agreement. I ask which part they say read the deposit agreement. I didnt do nothing wrong. I deposit my money and it gets stolen and they refuse to help me they just give me the run around.
Product: Money transfer, virtual currency, or money service

XXXX told me that because their system was unable to verify my payment method and identity even though I've submitted the correct documents several times they were not going to give me my money back
Product: Mortgage

Despite applying overpayments to my principal for the last 18 months XXXX XXXX has refused to do so without any prior notification. In response XXXX stated in writing that I could have the funds returned to me however when I called customer service on XX/XX/2017 as per the instructions they have refused to return my money
Product: Vehicle loan or lease

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with SANTANDER. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed personal information to be released, and a check with their website confirmed my information was comprised.
Product: Checking or savings account

This issue is separate from the other two previously filed claims against Chase Bank. This is a new one in response to their response to me, claiming that they closed my account due to excessive claims. One of those claims were called in over the phone where I stated someone had booked a XXXX XXXX XXXX in California claiming to be me. I even offered to send to them the itinerary which was given to me by the hotel after calling them. They then sent me a new card as a preventative measure. When I first learned of my account closure on XX/XX/22 I asked if it was in regards to this so I could provide them with the proper explanation and they stated no reason was given and that my accounts were simply closed at the discretion of the bank. I asked if it was regarding my claims filed so I could assess to provide documentation if needed, but was never given that opportunity. 

I believe that this is discrimination and if the response to this complaint by chase bank is continue with the termination of my relationship to them and to keep my accounts closed I will now be pursuing legal action against Chase Bank and will then follow up with them with an attorney to file suit, if my account is not reinstated. As a XXXX man I believe this was due in course to discrimination. 

Thank you!
Product: Debt collection

I have just received a letter as of today XX/XX/2022 from XXXX XXXX. They have indicated they have attempted to contact me a month ago which is a complete lie. This is my first time even being aware the account from XXXX was sent to collections, I have been working with chase to pay this amount down. Nationwide credit has also not mailed me any documents for my right to dispute just a letter stating I owe money which is completely unfair. 
They have not sent any written contracts with my wet signature or a full disclosure.

This debt collector has also violated 15 USC CODE 1692b which states : 15 U.S. Code 1692b - Acquisition of location information ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; They have also broken 15 U.S. Code 1692f - which states Unfair practices ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
Product: Mortgage

I have been trying to make a payment on my mortgage but everytime I try to log onto my account it wont let me. Everytime Ive tried calling it tells me that there is no one to assist me due to the fact they cant get into anyones accounts. I have been trying for over a week now. I also just found out that there is a lawsuit for there system being hacked and wasnt informed led that my information maybe breached
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$620.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account Number : XXXX 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, states a consumer reporting agency can not furnish an account without written instrutions. 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 items of information, other than records of convictions and crimes which antedates the report 7 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. Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required.
Product: Vehicle loan or lease

I enrolled for a semi monthly auto payment program. When signing up on the customer online portal, it required one to select the first payment date to be prior to the due date. The second payment, I was allowed to select ANY date. However, now after speaking to a supervisor, they will still be charging me a late fee because the second payment is after my due date. No where during the process did the website state that BOTH payments had to be before the due date. Only the first payment had to be prior to the due date. It was EXTREMELY misleading to the consumer because thats an extra {$78.00} they charge for late fee. Why even have that as an option if when you are signing up there are no instructions stating BOTH payments must be prior to ones due date. It doesnt make any sense. Then they tell me Im just incorrect and there is nothing they can do.
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT.

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit card or prepaid card

On XX/XX/XXXX I received a text alert from Capital One about fraudulent charges. After reviewing the charges I agreed that they were indeed fraudulent. The charges are from stores I do not shop in and for products I do not consume and appear to be part of a spree : {$8.00} at XXXX 's on XXXX {$160.00} at XXXX XXXX {$55.00} at XXXX XXXX  {$39.00} at XXXX 's XXXX {$31.00} at the XXXX XXXX Despite the fact that all of these businesses are curiously near where I live and work, I have never frequented them. This particularly strange element is what leads me to believe that this is a case of identity theft, or, that someone took my card out of my wallet while my bag was unattended, made these charges, and returned the card. 

I followed the Capital One protocol for fraudulent charges on XXXX and immediately cut up my credit card which I found still in my possesion at the time I made the complaint. Capital One removed the charges from my account within the next few days. 

Today, XX/XX/XXXX, I reviewed my statements to see that the charges were again added to my account. I immediately called Capital One assuming there was an error. I was informed that according to their investigation, a chip was used for each of these charges and unless I lost the card I must have made the purchases myself. I explained that I did not make these purchases and would like to escalate my complaint. I then spoke to two more individuals with Capital One. The last person was XXXX, ID # XXXX, a fraud account manager. She told me there was nothing they could do and there were no more people I could escalate this claim to. I told her I would be filing a police report and informing the CFPB about this conduct because its really absurd. Additionally, when I asked about the method of investigation and how they came to their determination, they would provide me no information other then that which is in a letter that will be delivered to my home. It was clear that they checked off a box and wanted nothing more to do with me. Meanwhile, I am fearful what else this perpetrator has done with my information and have no idea how this even happened. I also don't have access to my card number because I cut up the card at issue and my app only has the new card number on it.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several inaccurate addresses listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to have incorrect information corrected or removed from my credit report.

Please review the addresses in question and update my credit report to reflect accurate information. I have included documentation supporting my correct address for your reference. 

Inaccurate addresses listed as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter.
Product: Mortgage

I was injured and I couldn't not work for 2 years so i missed my payments and then I got back to work and for the last 3 years my payments were current. I had to file for bankruptcy protection even though I have been paying my payments for the last 3 years timely. I have asked Fay Servicing to provide my payment information history on the charges and credits and they sent me someones else 's information. My attorney asked for my information and they have yet to provide it still waiting after XXXX weeks. My lawyer returned the paperwork to them and we are still waiting for the correct paperwork. I have a property that I am selling that will bring me current with my payments, however, Fay Servicing still wants to auction off my house before XXXX time, not allowing me the chance to see close on my property which is under agreement.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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, credit repair services, or other personal consumer reports

I have noticed that there are accounts on my credit report that don't belong to me. I am not a credit repair company, and I have provided my personal documents to you. Please investigate these accounts and remove them when completed. Thank you.
Product: Money transfer, virtual currency, or money service

Dear sir/madame, This is a follow up complaint -- the previous ones are XXXX, XXXX, XXXX. 

The last response to my complaint was, This complaint lists someone the company does not recognize as their customer or their customers authorized representative. I do understand, as Citibank is an intermediate entity in this transaction, they cant provide information directly to me, but Citibank keeps being on a full mute and ignoring multiple recall requests and inquiries from XXXX and XXXX XXXX. I escalated this case to the Attorney General of New York XXXX, XXXX XXXX, and as suggested by her associate, attaching the response, also stating that Im adding new information. Her office is forwarding this correspondence to CFPB as well. Hope this will help to move the needle. 

Unfortunately, Citibank did nothing to resolve the situation and keeps ignoring multiple recall requests from XXXX and XXXX XXXX. Citibank keeps holding my well-earned money since XX/XX/XXXX, with no explanation. I really hope that the concept of private property still does exist. Despite also the fact, that the funds are not blocked by XXXX, and recent XXXX XXXX licenses : On XX/XX/XXXX, the XXXX Treasury XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) issued XXXX General License ( GL ) XXXX and GL XXXX. GL XXXX authorizes transactions related to pension payments to XXXX persons or non-U.S. persons not located in the XXXX XXXX that are normally prohibited by XXXX Order ( E.O. ) XXXX provided that the only involvement of blocked persons is the processing of funds by financial institutions blocked pursuant to XXXX. XXXX. GL XXXX authorizes the closing of an account of an individual, wherever located, who is not a blocked person held at financial institutions blocked pursuant to XXXX. XXXX. GL XXXX also permits the unblocking and lump sum transfer of all remaining funds and other assets in the account to the account holder, including to an account of the account holder held at a non-blocked financial institution.
Product: Credit card

XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiries and a fraudulent account found in my credit report