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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX 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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Number XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX Account Number XXXX LATE ACCOUNTS XXXX XXXXXXXX - XXXXXXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX CREDITONEBNK - XXXX MRV XXXX XXXX XXXXXXXX SYNVS/FD - XXXX XXXX XXXX XXXXXXXX INQUIRY XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PERSONAL INFORMATION POG MOVING AND HELPE - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal POG HELP AND MOVING - IncorrectPersonal XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX SQ XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX APT XXXX - Incorrect XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Incorrect These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

We're in collections with our timeshare that we're in the process of canceling. At XXXX, they claimed that they were not obligated to validate the debt even though we asked XXXX  in writing within the time allotted by law. 

They need to stand aside so we can continue to work with XXXX to cancel our contract. The debt is disputed. There's nothing to argue. They're just being unreasonable and breaking the law.
Product: Credit card or prepaid card

I closed all my American Express accounts a few years ago. In XX/XX/2017 I ordered a copy of my credit report, and it showed AmEx still open. I contacted AmEx and filed a complaint with the credit reporting agency. I recently received an annual copy of my credit report, and the card was still showing as open. I phoned the number for AmEx on the credit report, but the automated info asked for my account number and I don't have the complete number, so I was on hold forever until I finally hung up.
Product: Money transfer, virtual currency, or money service

I am seeking your kind assistance in regards to my account with WISE ( XXXX XXXX XXXX ). I have an existing balance for only {$540.00} and some cents with WISE. However, they deactivated my account. When I asked for a reason, they were unable to provide any valid reason for the deactivation. Now, I am unable to transfer the remaining funds in my Wise account to my bank account. I know this is just a small amount but I worked hard to earn this money and I am very hopeful to get what I deserve. 

My email associated with wise is - XXXX Please let me know what you need from me to resolve this issue. 

Your assistance is greatly appreciated.
Product: Credit card or prepaid card

My old Nordstrom Store Card still apoears on my credot report.
Product: Credit reporting

I have been the victim of identity theft fraud for more than 4 years. I have filed numerous complaints with EXPERIAN to no avail. I have submitted fraud affidavits, consumer statements and proof of fraud, yet they continue to not accurately investigate my accounts, remove erroneous information and update my reports with the information provided. 

I contacted the office of the president for EXPERIAN and they should not allow to speak with anyone concerning my credit complaints. I furnished EXPERIAN with a fraud packet and supporting documentation on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I need help in resolving this issue asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AK XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, AK XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00}, XXXX XXXX Balance {$190.00}, XXXX XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 XXXX 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 or other personal consumer reports

On or about XX/XX/year> i filled out a form on Equifax to see if i was affected by their data breach.It was positive, and in fact i was affected. Equifax committed these violations. 


Violations : 15 u.s code 6801 ( 1 ) ( 2 ) ( 3 ) ( 4 ) 15 u.s code 6802 E,3a 3b
Product: Credit card

Accepted a store credit card offer on XX/XX/XXXX with a {$1200.00} credit limit. Made purchase of {$11000.00}. Added {$750.00} from my XXXX XXXX unto {$1200.00} XXXX for total amount above. I then traveled aboard on business. Made pay by monthly payments totalling {$1100.00} Never got any disclosure or communications regarding account statement online although it was requested Upon my return home, found account statements covering period account duration. Discovered, I had been charged late fees of {$40.00} monthly and interests from inception account opening. Spoke with a Wayfair Supervisor XXXX ID # XXXX who claimed to grant {$20.00} on interests on XX/XX/XXXX as XX/XX/XXXX concluded one year of promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX has reported a charge off on a account that Im unaware of, never received a W-2 for the charge off in the fair credit report act law this is illegal, I have the right to request these documents that they have yet to send me when item was disputed, Also the law states 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 Iv contacted company more than 2 times through letters
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  {$1100.00} balance, XXXX XXXX XXXX XXXX XXXX {$830.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX$690.00}, XXXX XXXX XXXX XXXX XXXX  {$330.00}, 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 : 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. 
XXXX XXXX
Product: Credit card

Look, its really simple. Im going through a divorce and my expenses are well over {$13000.00} a month, nearly double what I bring home after taxes. There's no logical reason for them to keep declining to help me with a hardship program whenever I apply online. I personally don't think they really have one and theyre lying or they have an automated system that isn't working correctly. Something doesn't make sense at all!!! 

I CAN NOT KEEP UP WITH THEIR INSANE MINIMUM PAYMENTS I AM DROWING!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23 applied for XXXX XXXX which pulls from XXXX and its not pulling my report. I contacted XXXX and there is not any fraud alert or credit freeze. My XXXX score is XXXX according to XXXX XXXX. Please help me resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I purchased a new Vehicle from XXXX XXXX. I was informed by the salesman that I was denied by them " the XXXX Dealership '' but they send customers that don't get approved by them to XXXX XXXX XXXX. They are less strict when it comes to approving clients for Auto loans. So the salesman submitted my application to XXXX XXXX XXXX and I was approved for the Auto Loan and I received my Brand New Vehicle a few weeks later after all the additional options were added. 

After making 6 on time payments I wanted to see the positive affect on my credit report and try to obtain a personal loan or credit card. Well after filling out for a monitoring service I noticed that my score actually Dropped and I was denied because of too many credit inquiries. I noticed a HUGE AMOUNT of unauthorized Credit Inquiries. After hours upon hours of investigating what these inquiries were, I figured out it was the Salesman that took my credit report info without my consent and blasted it off to Multiple different financial institutions that conducted hard pulls on my credit. We only agreed to Submit my Application to XXXX XXXX XXXX. 

This was done without my consent and this is a violation of the Fair Credit Reporting Act. 

I contacted XXXX, XXXX  and Transunion and I explained to them that these inquiries were unauthorized as I did not fill out any applications with these banks and that my information was submitted to them without my consent from the Auto Salesman from XXXX XXXX where I purchased my vehicle. The only Bank I filled out for was XXXX XXXX XXXX which currently holds the lien against the vehicle. 

All three credit bureaus told me to contact the banks and ask them for a letter of deletion. They cant remove the inquiry. I explained to them that this is a violation of the Fair Credit Reporting Act because it was done without my consent and if they can " POST '' this info they can also " REMOVE '' it. 

I continued to get the run around and was told I need to contact all the banks that pulled my credit. 

Some banks had phone numbers. Some Did not. I contacted the Banks that I could and the best results i received was to contact the credit bureaus because they don't give out letters of deletion! 

I attached a screen shot of my report that shows the Unauthorized Inquiries that I told the Credit Bureaus about. I have circled the ALL the Inquiries that are unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

The company, Equfiax, stated it conducted an investigation regarding my complaint. Please upload the investigation report citing the contact information utilized to verify and authenticate the unauthorized credit inquiries. According to 15 USC 1681a ( XXXX ) Exclusions. ( i ) - any transactions or experiences reported on my consumer report, requires my permission. Credit inquiries is considered an experience. Do you have my permission to keep the unauthorized credit inquiries on my consumer report? Please remove all credit inquiries cited in the FTC report I've uploaded immediately!
Product: Credit card

I received a notification this morning from both XXXX XXXX and XXXX XXXX saying that there was a new Hard Inquiry on my credit report. The inquiry was from JP Morgan Chase Bank and I have not applied for credit or a credit card for the last few years so this is a fraudelent attempt to get a card in my name. I am trying to get the inquiry removed from my credit report as well as make sure no one is able to obtain a credit card in my name.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Equifax for failing to properly investigate disputes I submitted regarding inaccurate items on my credit report. Based on my experience, it is evident that Equifax did not comply with the investigation standards required under the Fair Credit Reporting Act ( FCRA ). 
Specifically, Equifax : 1. Verified the disputed items as accurate within an unreasonably short time frame, raising concerns that a proper investigation was not conducted.

2. Failed to provide me with any proof of the debt or documentation supporting the validity of the items in question.

3. Did not adequately review or consider the evidence and supporting documents I submitted with my disputes. 

These practices have caused me significant frustration and concern, as I am unable to resolve these inaccuracies or obtain clarity on the results of their investigations. The CFPBs recent findings against Equifax further validate my concerns about their flawed processes and their lack of accountability in handling consumer disputes. 

I respectfully request the CFPB to : 1. Investigate

Equifaxs handling of my disputes and their failure to provide a reasonable and thorough investigation. 2. Require Equifax to provide clear documentation and proof supporting their verification of the disputed items or delete them.

3. Ensure that Equifax complies with FCRA regulations to protect me and other consumers from inaccurate credit reporting. 

Upstart loan- not my account XXXX XXXX- not my account XXXX XXXX- not my account XXXX - XXXX - listed twice XXXX XXXX - never late . Please remove 30 day late. 
XXXX XXXXXXXX XXXX XXXXXXXX - never late/ please remove 30 day late. 
XXXX XXXX XXXX never late/please remove 30 day late XXXX XXXX XXXX not my account. Please verify or delete from credit report.
Product: Credit card

I am a victim of XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking.
Product: Credit card

XXXXTHIS IS A BALANCE DISPUTE********* I had previously requested verification for duplicate charges from XX/XX/XXXX. Dispute was not resolved. Afterwards, when adding charges back to my account, the balance due was being doubled. I had requested an audit of my account. The balance was corrected, then thereafter doubled with no applicable charges. I had included invoices previously and requested the account be audited. The balance was corrected. This needs to be corrected as it is now adversely affecting my credit report. Correct balance due. This issue continues to keep happening. I have previously included billing statements from XXXX with the last submission for the same issue. XXXX***I HAVE AGAIN included statements from XX/XX/XXXX through XX/XX/XXXX. ******* PLEASE CORRECT***
Product: Debt collection

I request all debt Validation Letter and a debt contract to the collections. With documents and agreements with my signature and documents showing my identification. Showing it was me personally opening the account. I still have not received anything from them. Or why they sold my personal information to anyone company is had no knowledge of. They don't me the account was openneed online. And yet they refused to sent me requested documents to show it was truly me to open the account. When I asked about it, the only claim it was done online and it was my information used and they did not ask or require any documents before opening the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account, BK OF AMER, is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS LISTED WRONG AND PREVIOUS ADDRESSE ARE WRONG
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2013 we traded in the vehicle financed by XXXX for another vehicle through XXXX XXXX XXXX. Our credit report is stating that we were late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2013. It further states that this account was charged off when in fact it was paid in full. I spoke with XXXX in detail and wrote a letter the dispute department to them stating all of this and providing them with a copy of our Retail Installment Sale Contract dated XX/XX/2013. XXXX claimed they didn't get paid until XX/XX/2013 from XXXX XXXX XXXX and therefore what they have reported to the credit bureaus ( s ) stand.
Product: Student loan

My loan was suppose to be paid off in a 15 year term. They sold my loan and started a new loan program of 21 years. I have asked for the original paperwork showing this new agreement of 21 years with no results. Also, I have been tracking the information of the loan in detail by XXXX sheet and the information changes from month to month. They have added money to the unpaid balance with no explanation and have not removed my co-signer even after she passed away. The XXXX sheet I have been loading monthly changes. Also, at this moment Navient/Salliemae shows I have paid in payments XXXX for a XXXX dollar loan for XXXX XXXX XXXX and only XXXX has been applied to principal. This does not include the Capitalized interest I have paid. Without the capitalized interest I have paid XXXX just on the monthly interest alone and now I have anther ten years instead of it being paid in full in two years. I don't think it's okay that they just change my loan terms because they want more money. When they sold my loan Salliemae/Navient also added more money to the unpaid principal. Why do I have to pay for them to buy my loan when I didn't want to sell my loan in the first place?
Product: Credit reporting or other personal consumer reports

Personal Statement for CFPB Complaint Subject : Complaint Against TransUnion for Failure to Provide Verification Details Dear CFPB, I am writing to file a formal complaint against TransUnion for failing to provide verification details for an account that was allegedly electronically verified by a creditor. 

Details : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : TransUnion Account in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Description of the Issue : I previously disputed the XXXX XXXX XXXX XXXX XXXX ) account on my credit report, which was initially removed. However, TransUnion has since reinserted the account, claiming it was electronically verified by the creditor. Despite multiple requests, TransUnion has refused to provide any documentation or details about this verification process. 

This lack of transparency and refusal to provide verification details is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, I have the right to be provided with a detailed explanation and evidence of the verification process if an account is reinserted into my credit report after a dispute. 

The reinsertion of this account without proper verification has significantly impacted my credit score and caused considerable stress. The lack of response from TransUnion and their failure to provide any documentation raises serious concerns about the accuracy and fairness of my credit report. 

Requested Resolution : Immediate and Permanent Removal : I request the immediate and permanent removal of the unauthorized XXXX XXXX XXXX account from my credit report. 
Detailed Explanation and Documentation : I request a detailed written explanation and documentation of the verification process that TransUnion claims to have conducted. 
Future Assurance : I seek assurance that such issues will not occur in the future, and that TransUnion will comply with their obligations under the FCRA to provide transparent and accurate information. 
I appreciate the CFPB 's assistance in resolving this matter and ensuring that my rights as a consumer are upheld. 

Thank you for your attention to this serious issue. 

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

Someone was able to use my account and go to various other banking locations such as XXXX XXXX XXXX and XXXX XXXX XXXX and pull funds depleting my account. They depleted about 1500 dollars. I went into the office talked with branch managers and even filed a police report and nothing was done. I ended up having to close my account with this bank. They did absolutely nothing to help me and they didnt even check out my police report
Product: Debt collection

AI Overview Learn more 15 U.S. Code 1666b, also known as TILA 163, is a consumer credit regulation that covers the timing of payments for credit card accounts under open end consumer credit plans. It states that creditors can not consider a payment late unless they have taken reasonable steps to ensure that each periodic statement is mailed or delivered to the consumer at least 21 days before the payment due date. Creditors must also post payments promptly to the obligor 's account.