23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I contacted the credit bureau by online dispute and paper dispute to let them know that my credit had been ran without my knowledge or permission and was asking for them to investigate and remove the inquiries off of my credit. I was told to if I felt like it was unauthorized to contact each company to dispute these actions. I did that with no response or action from the companies.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Action and Notification of Intent to Sue Major Credit Bureaus Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Bureaus Involved : Equifax, XXXX, XXXX Complaint Details : Dear Consumer Financial Protection Bureau, I am writing to demand immediate action regarding my unresolved complaints against Equifax, XXXX, and XXXX. Despite multiple complaints and direct contacts, I have not received satisfactory resolutions. These issues include : Failure to Correct Inaccurate Information : Multiple disputes submitted with documentation, but necessary corrections not made. This violates the Fair Credit Reporting Act ( 15 U.S. Code 1681i ).

Lack of Response Within Required Timeframe : Credit bureaus have not responded within 30 days as required by the FCRA ( 15 U.S. Code 1681i ).

Re-Reporting of Incorrect Information : Items previously removed were re-reported without justification ( 15 U.S. Code 1681i ).

Failure to Provide Requested Documentation : Requested documentation to support the accuracy of items was not provided ( 15 U.S. Code 1681g ).

Reporting Non-Public Transaction Information : Credit bureaus reported my non-public transaction information, violating the Gramm-Leach-Bliley Act ( 15 U.S. Code 6801-6809 ) .

I have sent a final notice of intent to sue to the credit bureaus due to their continued non-compliance. I request the CFPB to enforce federal laws and ensure these issues are resolved immediately.

Request for Compensation : I am seeking compensation for actual damages, statutory damages, punitive damages, and reimbursement for legal fees as allowed under the FCRA ( 15 U.S. Code 1681n and 15 U.S. Code 1681o ).

Relevant CFPB Authority : The Dodd-Frank Wall Street Reform and Consumer Protection Act grants the CFPB authority to enforce federal consumer financial laws, including the FCRA ( 12 U.S. Code 5511 ).

Thank you for your prompt attention to this matter. I look forward to your immediate response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I noticed a major ACH withdrawal from my SunTrust Checking Acct in the amount of {$7500.00}. I immediately contacted SunTrust and told them this was fraudulent and to stop payment. SunTrust was able to inform me the name of the person to whom the ACH was issued ( XXXX on behalf of XXXX XXXX (? ) ), and I again disputed this transaction as authorized. They issued Claim # XXXX, opened a new checking account, and transferred the remaining funds from the original account. 

Approximately 1 hour later I noticed a large ACH withdrawal from my SunTrust Savings Acct in the in the amount of {$2100.00}. I immediately contacted SunTrust and told them that this was fraudulent, it just occurred, and to stop payment. This payment was to XXXX XXXX via ACH. SunTrust issued Claim # XXXX. 

At this time I am being told that this is all under investigation and it will take approximately 7-10 business days to be resolved. SunTrust did not choose to credit my account back with these funds during their investigation. 

I believe that SunTrust has been compromised for the following reasons : SunTrust gave me the standard statement about protecting cards, online access, changing passwords, etc. This could not have occurred in this situation though. 1 ) I only access this account through my phone, which means that any compromise means that both my XXXX and the SunTrust site were compromised ( and no other bank account at other Banks have been compromised ). 2 ) I only deposit funds into these accounts ( except for 2 auto payments debited from the savings account with 1 of the debits by SunTrust ), and therefore there is not a possibility that my account number ( s ) are out there in the world to be compromised. 3 ) I have not cards, checks, etc. for these accounts in use. 

I expressed my concern that anybody in the world can enter in any account number in a payment portal, and there is no safeguard to prevent unauthorized ACH withdrawals. I personally only use Credit Cards for all purchases due to the protections associated with a credit card ( and hence why I don't use checks, debit cards, etc. for any of my bank accounts ). Additionally, SunTrust has no automatic feature to verify a large transaction as with Credit Cards ( i.e., the notifications I receive asking me to confirm a transaction ). Had there been this safeguard I could have declined the transaction before it was allowed to process. 

In this instance I feel that SunTrust has been compromised, and it is me that is suffering. I am out approximately {$10000.00} with no real assurance this will be resolved timely or in my favor. I feel that we will hear on the news 6 months after SunTrust and XXXX XXXX XXXX merge that " they were hacked '', but that shouldn't be my problem. I believe that SunTrust should provisionally credit my accounts while they conduct their investigation and get their money back. They know where the money went, and we issued Stop Payments on the ACH payments while they were still " pending ''. Why it takes 10 days for the Consumer to get his/her money makes no sense.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a concerning matter regarding the reporting practices of Equifax, one of the major credit reporting agencies. Specifically, I have identified instances where Equifax has reported accounts on my credit report that do not appear to be verified through the Uniform Commercial Code ( UCC-11 ) process, thus raising questions about the accuracy and legality of their reporting practices. I have submitted many complaints over the years about their practices most recent being CFPB report # XXXX leading to deletions. Please see the certified UCC-11 report attached to support my concerns as the Secretary of State has provided me a certified letter to support my claims. 

Furthermore, I have reason to believe thatEquifax 'sactions may constitute violations of several provisions under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Gramm-Leach-Bliley Act ( GLBA ). These violations include but are not limited to : Violation of 15 U.S.C. 1692d : Equifax 'sreporting of accounts not verified through UCC-11 may constitute harassment or abuse in connection with the collection of a debt. 

Violation of 15 U.S.C. 1692c ( a ) : Equifax 's reporting of inaccurate or unverified information may constitute communication with a consumer at an inconvenient time or place. 

Violation of 15 U.S.C. 1692b ( 5 ) : Equifax 's failure to verify the accuracy of reported accounts through UCC-11 may constitute unauthorized access to consumer credit reports. 

Violation of 15 U.S.C. 1692e : Equifax 's reporting of inaccurate information may constitute false or misleading representations in connection with the collection of a debt. 

Violation of 15 U.S.C. 1681q : Equifax 's failure to maintain reasonable procedures to ensure the accuracy of information reported on my credit report may constitute a violation of FCRA. 

Violation of 15 U.S.C. 1681s-2 : Equifax 's failure to correct or delete inaccurate information upon request may constitute a violation of FCRA. 

Violation of 15 U.S.C. 6802 : Equifax 's failure to adequately protect consumer information in accordance with GLBA may constitute a violation of consumer privacy rights. 

I respectfully request that the Consumer Financial Protection Bureau conduct a thorough investigation into these allegations and take appropriate enforcement action against XXXX if violations are found. Additionally, I request that XXXX be required to correct any inaccurate information on my credit report and to implement measures to prevent similar violations in the future. 

I am available to provide any further information or assistance necessary for your investigation. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to ensure that consumers ' rights are protected and that credit reporting agencies adhere to all applicable laws and regulations. 

Sincerely, XXXX XXXX
Product: Credit card

HELLO. 
THIS LETTER IS TO COMPLAIN ABOUT SERVICES I RECEIVED STARTING XXXX XXXX, 2012. I ORIGINALLY WENT TO THIS OFFICE BECAUSE I HAD XXXX METAL FILLINGS IN MY TEETH. I JUST WANTED THESE FEELINGS OUT AND REPLACED WITH COMPOSITE FEELINGS. THIS IS A VERY SIMPLE PROCEDURE. I WAS TOLD THAT I NEED CROWNS AND ROOT CANAL. AS I WAS IN THESE PROCEDURES DONE I KEPT ASKING ABOUT THE MATERIAL USED FOR ROOT CANAL AND CROWN 'S. I GOT I DO N'T KNOW FOR AN ANSWER EVERY TIME. MY ORIGINAL COMPLAINT I WENT TO THIS OFFICE WAS XXXX XXXX MATERIAL IN MY FEELINGS. LATER WHEN I FOUND OUT BY COMPLAINING TO THE BANK THAT THE MATERIAL USED WAS XXXX XXXX AND I HAD REPAIR BILLS FOR XXXX OF THE CROWNS I WAS COMPENSATED FOR {$1400.00} PLUS INTEREST THAT WAS AMOUNT OF {$1700.00}. UP TO THIS DATE I HAVE NO IDEA WHAT MATERIAL WAS USED IN ROOT CANAL. I HAVE COMPLAINED MANY TIMES THE BANK THAT FROM THE BEGINNING THE CONTRACT WAS BREACHED AND I WAS CHARGED FOR PRECIOUS MATERIAL AND I WAS PROVIDED XXXX XXXX AND UP TO THIS DATE I HAVE NO CLUE WHAT MATERIAL WAS USED ON MY ROOT CANAL. WHEN I COMPLAINED TO THE BANK FOR THE LAST TIME I WAS GIVEN A CREDIT OF {$730.00} FOR {$5100.00} $ XXXX THE INTEREST OF 14.99 %. I 'M NOT EVEN SURE IF THIS AMOUNT IS CORRECT. I AM VERY CONCERNED BECAUSE XXXX OF THE FILLINGS HE HAS DONE NEEDS CROWN AND ANOTHER XXXX CROWNS NEED TO BE REDONE. THIS IS ANOTHER CHARGE OF {$3600.00} ON TOP OF OLD EXPENSES THAT HAD ORIGINALLY COST AT LEAST {$8000.00} OF EXPENSES SINCE XXXX OF 2012. PLEASE BE ADVISED THAT CONTRACT WAS BREACHED AT THE BEGINNING AND I HAVE TO HAVE ALL THE CROWNS BE DONE AGAIN BECAUSE I DO N'T KNOW WHY I HAVE XXXX IN THE XXXX AND I FEEL DIZZY ALL THE TIME. I AM COMPLAINING BECAUSE I HAVE SERIOUS DIFFICULTIES CHEWING ON ALL OF THE TEETH HE HAS WORKED ON.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, and XX/XX/2022 I filed disputes with XXXX, XXXX, and experian, all 3 credit bureaus due to there being collection accounts that are not mine ( 4 to be exact ) on all 3 of my credit reports. According to the rules and or laws for your guidelines, I got no response in a reasonable amount of time and heard no answer or anything explanation whay is happening. I would like these items removed from all 3 of credit reports, thank you. The items are : 1. XXXX XXXX. Acct # XXXX Account is not mine. 
2. XXXX XXXX XXXX XXXX Account Number XXXX 3. XXXX XXXX XXXX XXXX XXXX Account # XXXX. Account is not mine. 
4. XXXX XXXX XXXX Account # XXXX. Account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXXXXXX Filed on XX/XX/2019 Reference number XXXX XXXX, XXXX XXXX XXXXXXXX Filed on XXXX XXXX XXXX  Reference number : XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 


I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

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

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

I have 3 cards with Capital One and 1 with XXXX ( which Cap One ) just acquired. Family situation has dramatically changed. 
Approximately XX/XX/XXXX, got a call at work, asked the Cap One rep not to call me at work again. She said " ok '' and to go into the app to change the phone number. I tried to change the number, but was not allowed to. 
Approximately XX/XX/XXXX, got a call at work, asked the Cap One rep not to call me at work. Told her I told the last person to not call me at work. She said " ok ''. 
Yesterday, XXXX I get a call at work from Cap One, but no one comes on the line and it disconnects. 
Today I get ANOTHER call from Cap One. I tell the XXXX " XXXX '' that I have asked twice before to NOT be called at work. She said that the numbers are dialed automatically, essentially saying there's nothing that can be done. 

Cap One has even called my Wife, XXXX ; even though she is NOT listed on any of my accounts!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for a bankruptcy chapter XXXX back in XXXX of XXXX XXXX 9 Years ago ), I had a mortgage that was included in the bankruptcy and as soon as I received my discharge in XX/XX/XXXX, that same mortgage company ( XXXX XXXX XXXX  ), reported me more than 60 days late, which was not supposed to be done, considering that bankruptcy is 9 years old. I have reached out to them on many occasions since XXXX and have been told on multiple occasions it will be correctly reported to the credit bureau. Finally, after multiple failed attempts, since they have continuously kept reporting incorrect information, I sent a certified letter to the bank in question with all the proof and nothing has been done. I finally reached out to the credit bureaus, and sent the explanation, with all supporting documentation, I received a credit dipute update with Equifax, claiming that the mortgage company has reported correctly and that sufficient information was not provided. I sent Equifax the letter I sent to mortgage company, a detailed explanation of what was going on and the proof of bankruptcy payment plan where this mortgage was included and completed with exact dates. I don't understand how much more specific I can be. I then call the Equifax phone number XXXX, and am asked to verify my identity. I verify the information around 5 times, with the numeric portion of my address, phone number, social security and zip code and system says it can not verify my identity, although I am 100 % sure Ive input the correct info. Then I call consumer services at XXXX and explain I really need to speak to someone and they say they are terribly sorry but there's nothing they can do. I finally communicate with Equifax and after 3 and 1/2 hours on hold ( I took a picture of the screenshot ), I was told by an Equifax customer service rep that despite me sending them bankrupcy proof and advising them that mortgage company is being extremely uncooperative, the incorrect information will continue to be on my file.I then asked the rep if I can record her saying that and she agrees. Her ID # is XXXX, name XXXX I believe. I have the recording on my phone, just could not upload, where I recorded the rep confirming they would not remove the negative rating report. Both the mortgage company and Equifax have been very uncooperative. This has been affecting me in obtaining credit, including a refinance of a home I own and 1 I'm trying to buy. I have been more than patient and now I see myself extremely hurt, as no one will give me financing and I have a balloon loan due as well. Please help with having the mortgage removed from my credit ASAP, as it was included in my bankruptcy. Thank you in advance.I have also attached the letter of denial from the Lender trying to get me approved. This is only an example of what has been happening to me for a while. I have been pretty much denied by other banks because of this.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, I applied online for a line of credit through the companys website. 


Cherry Technologies, XXXX immediately denied me an extension of my credit. This denial is XXXX violations of ECOA / Regulation B, by denying me and further discouraging me from applying for an extension of my credit.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

FTC REPORT ATTACHED XXXX XXXX fraudulent amount {$3300.00} CFPB has been apprised several times of the illegal activity transpiring on my consumer reports. 
Several notices have been certified mailed to ALL entities SEVERAL INACCURACIES AND INCOMPLETENESS. 
Creditors are not complying with the truth and lending act. There are numerous of illegal activities taking place on my consumer report ; all responsible parties have been apprised ALL ACCOUNTS HAVE BEEN REAGED. EVIDENCE SUBMITTED IN PREVIOUS CFPB COMPLAINT THAT WAS NOT RESOLVED. 

Apprising the Attorney General IS THE NEXT STEP then the OCC, Comptcontroller and then litigation for WILLFUL noncompliance and DAMAGES to consumer. 

XXXX who is also XXXX XXXX  XXXX, XXXX XXXX, was PAID IN FULL. Creditor failed to provied proof of anything. They sent packets of irrelevant information nothing regarding valdiating or accountabilty for illegally REAGING my accounts. 

CRA 's ( XXXX XXXX, TransUnion, XXXX, XXXX ) were apprised of this illegal activty as well and did nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX
Product: Consumer Loan

I received a packet in the mail with informing me of the lease coming to an end. I knew the buy back amount was {$11000.00} because I asked about that when I leased the car. I called Kia and confirmed this amount. I went to XXXX Kia to find out information on how to buy my car. I asked the person who greeted me, who said he was a manager, to speak to a finance manager to find out what I needed to do to buy my car. What he did was sit me down with a salesman. He took my information was gone a long while. He came back with the form and starts going over the numbers with me.He had sales price of {$11000.00}, there was a pre-delivery charge of $ XXXXand another non tax fee of XXXX. And tax of {$800.00}. I looked at the paper and questioned him about the figures and he said that 's the way we do it here.I picked the form up and told him I am sending a complaint to the Consumer protection Agency. He asked do you want to speak to the manager. Why would I need to speak with the manager my pay off on the lease contract was {$11000.00} and the pre-delivery charge of {$590.00} was already paid for when I leased my car it was figured in with my car payment. Why would that manager sit me down with a sales person when I should have been talking with somebody in finance who would look my contract up and give me the correct numbers. This is why I am complaining they saw an old lady and thought they could up the price of the car and charge {$590.00} pre-delivery charge, that I already paid for up front, and I would not know the difference. All the numbers are on the contract. This made me so angry I do not want the car I do not want to deal with those people at XXXX Kia. When I left there I went to another dealership and will be leasing a car from them. The reason I am writing this complaint is because how many people have they done this to and get by with it? They would have made a {$1500.00} profit from their deceit.