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

I recently reviewed my credit report and identified several inaccuracies that require immediate correction to ensure compliance with the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5 ), when information is determined to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency must promptly delete or modify the inaccurate or unverifiable information and notify the furnisher of the information about the changes. 
The following items on my credit report need correction : Personal Information & Old Addresses : Please remove outdated or incorrect personal information and addresses from my report, specifically XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX. XXXX : This account is inaccurately reported as late. Please update the status to reflect Paid as Agreed with no late payments, specifically correcting the report for the month of XX/XX/XXXX to show as paid. XXXX XXXX XXXX  XXXX : This account is also inaccurately reported as late. Please update the status to reflect Paid as Agreed with no late payments, specifically correcting the report for the month of XX/XX/XXXX to show as paid. I have enclosed supporting documentation to verify my identity and current address, along with any additional documentation necessary for your investigation.
Product: Credit reporting or other personal consumer reports

Subject : Consumer Complaint Regarding Identity Theft and Unauthorized Account Reporting Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding identity theft and unauthorized account reporting on my credit report. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically in relation to 15 U.S. Code 1681b, 15 U.S.C. 1681c ( 1 ), and 15 U.S.C. 1681c ( 2 ). 


Name : XXXX XXXX Email : XXXX Date : XX/XX/2023 The specific issue I am encountering involves several unauthorized accounts, including XXXX XXXX XXXX account number XXXX, XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX and,. I have never provided written consent for these accounts, and I strongly believe that they are a result of identity theft. The FCRA clearly states that consumer reporting agencies must obtain written consent before furnishing a consumer report to any party, as outlined in 15 U.S. Code 1681b. Furthermore, 15 U.S.C. 1681c ( 1 ) mandates the prevention of identity theft by blocking any information resulting from such an incident, without the need for written consent. 

Despite notifying the credit bureau and providing evidence supporting my claim of identity theft, the unauthorized accounts have not been removed from my credit report. This failure to address the issue is a violation of my rights under the FCRA. 

I kindly request your assistance in investigating this matter and ensuring that the credit bureau takes appropriate action to rectify the situation. I am seeking the immediate deletion of the unauthorized accounts from my credit report, as required by law. 


Thank you for your attention to this matter. I look forward to a prompt resolution to this dispute and the protection of my consumer rights. 

Sincerely, XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX, I received a Promotional Offer from Citizens Bank that came in the mail, offering up to {$600.00} if I opened a new checking and saving account. On XX/XX/XXXX, I went to the branch whose address appeared on the offer ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ) and spoke with Associate XXXX XXXX ( XXXX ID # XXXX ). I explained that I just received this offer in the mail and asked her what I needed to do to receive the offer. I gave her the offer and she asked me if I wanted to open up both accounts to receive maximum offer of {$600.00}, to which I said yes. The offer required a minimum deposit of {$15000.00}, be maintained for at least 3 months, and the checking account required a direct deposit of {$500.00} or more within 60 days. The offer states that if the deposits were maintained for the required period, the bonus would be paid by XX/XX/XXXX. 
I opened a XXXX XXXX account and deposited {$15000.00} by way of a personal check. I then opened a XXXX XXXX XXXX account with a {$200.00} personal check, and my Bi monthly direct deposits of {$170.00} started on XX/XX/XXXX and continued to date, totaling over {$1400.00}. 
On XX/XX/XXXX, I contacted the customer service department after becoming concerned that I had not received a notice advising that I had met requirements of the offer, and date I would receive my bonus. Customer Service Associate XXXX XXXX XXXX XXXX office ) who reviewed my account and the offer, and believed that the requirements of the offer had been met, and advised that he would submit a pay request, and I should have the bonus within XXXX business days. 
When I did not receive the bonus by XX/XX/XXXX, I contacted Customer Service again and spoke with a XXXX XXXX XXXX XXXX XXXX ) who stated that I should receive my offer bonus by XX/XX/XXXX. 
When I did not receive a deposit in my account by XX/XX/XXXX, I again contacted Customer Service and spoke with Supervisor, XXXX XXXX. She would try to explain to me that I did not meet the requirements of the bonus, because I did not make a one-time deposit of {$500.00} or more from my direct deposit. She then referred the entire case back to the original Branch office to be investigated by XXXX XXXX XXXX ID # XXXX. 
This complaint was supposedly turned over to the Branch manager on XX/XX/XXXX, and to this date XX/XX/XXXX, I have not been contacted by anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some information on my credit file did not seem right so I disputed the following accounts : Account name : XXXX XXXX XXXX Account number : XXXX.Account name : XXXX XXXX XXXX XXXX Account number : # XXXX, Account name : XXXX. Account number : # XXXXAcount name : XXXX XXXX Account number # XXXXAccount name : XXXX XXXXXXXX XXXX Account number : # XXXX according to Transunion all those account were verified as mine. 
I am not liable for those debts. I requested Transunion to provide me with the evidence that I have given all those creditor a written application that was not provided on their investigation Transunion has VIOLATED my right under 15 U.S.C 1681 Section 604 A Section 2 I have requested them to be Investigate, verify the accuracy of the above information and deleted any inaccuracy, false e incomplete information from my file but Transunion continues furnishing inaccurate, incomplete and false information in my credit report deteriorating my finances and creating deep hole on my future creating uncertainty by making me liable for accounts that are not mine. 
I am requesting for Transunion provide me the description of the procedures they used to determine the accuracy and completeness of the information. 
please provide evidence of your reasonable procedures you used to come to such as decision that the information you are furnishing in credit file is mine and that I am liable for it. 
please disclose to the cfpb the following information : The name of the company or business that you submit the information the was verified The company 's address What information was used to update or modify the information on my credit file? 
The company 's phone number as well as the name of the person you contacted How did you use the information I submitted to Transunion on the investigation? 
Transunion has violated my rights under 15 U.S. Code & 1681i The answer to my dispute seem more an Automated process rather than an investigation
Product: Debt collection

I have been complaining about this fraudulent account on my credit all of 2018. I have no knowledge of how my information was obtained in order to put it on my credit reports. I have never applied for services or lines of credit with this company. And never have I given anyone else perimission to do so nor co-signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed with XXXX  to have 2 late payments removed from my account with Experian or any credit reporting agency filing a complaint thru CFPB on XX/XX/2020 Bridgecrest had agreed to remove the late payments due to me being affected by Covid-19, the investigation thru CFPB which was closed on XX/XX/2020 with XXXX  has stated that the items should be removed byt the credit bureaus have let the items remain
Product: Debt collection

I was contacted about a week ago by Shellpoint Mortgage Servicing. The representative did not say she was attempting to collect on a debt and did not read a mini-Miranda. I asked if it was a debt collection attempt and the rep refused to answer the question. At this point, I had received no communication from Shellpoint. The rep insisted I give her personal information without any justification. I asked why and she said Shellpoint had my mortgage. She asked me for my address despite saying Shellpoint had acquired my mortgage - at this point I assumed this was a phishing attempt since any mortgage company with my mortgage would already have my address. When she told me they had sent me several letters, I assumed it was a scam because I had received none. I asked them to not contact me until I received a letter since I had no way to know if this was a legitimate call or not. They continued calling me daily despite this. I did not pick up. 

I consider this to be an abusive act/practice due to the lack of disclosure, lack of contact in writing and insistence that I reveal personal information to continue a conversation with no justification whatsoever. I am also offended my C & D request was not honored and that my insistence that the rep 's actions constituted a UDAAP violation were ignored.
Product: Credit reporting

i had a freeze on my credit report on XX/XX/XXXX and i asked equifax to remove the freeze and they only removed it for 3 months. I call them again on XX/XX/XXXX and they are trying to charge me for something that i did n't autorize.
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation of Inaccurate Credit Reporting Dear CFPB Team, I am writing to request your assistance regarding inaccuracies on my credit report that pertain to a Chapter XXXX bankruptcy., and I am not Sr., as erroneously reported. This misinformation must be corrected, as it is affecting my creditworthiness. 

I have identified several entries that are inaccurate and should have been deleted, including accounts from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX and Inquiries that I have no credit for.These creditors previously promised to remove these inaccuatcies, yet they still appear on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies and ensure that my credit report reflects fair and accurate information. The FTC supports these consumer protections, emphasizing the need for precise reporting. Given that my name is incorrectly reported with Sr. attached is my Drivers Licence and Social security card, these accounts should have been deleted, I kindly request that you investigate this matter and facilitate the removal of all inaccurate information from my credit reports across all three bureaus. 

Thank you for your attention to this important issue. I look forward to your prompt response. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax near the end of XXXX via Certified mail. The company took care of the fraudulent accounts and collections associated with the dispute however, they refused to remove the fraudulent inquires also associated with this dispute. I included a identity theft report from federal agency and outlined the fraudulent inquires in the report and dispute but still nothing.
Product: Credit reporting or other personal consumer reports

I was completely shocked this morning to see inaccurate accounts suddenly appear on my credit report, and I have no idea why. I check my credit report regularly, and this time, out of nowhere, there were mistakes. I even tried refreshing my browser, thinking it was a glitch, but nothing changed. The errors remained. This situation is very frustrating, and I really hope the documents I've sent will be thoroughly reviewed so that I never have to deal with this again.
Product: Credit card or prepaid card

BarclayXXXX XXXX published closing date on my account is the XXXX of the month. The interest is charged on that date, listed on my statement each month. It has been posted in XXXX a day early. Customer Service from Barclays stated that the interest charge can be posted a day or two earlier. It has never been the historical case. The Customer Service XXXX with whom I spoke ( XXXX ) on XX/XX/XXXX  stated that the inconsistency could not be explained. My complaint is that the interest charged is inconsistent with the closing date, therefore not an accurate date/interest charged amount as their web site posts, and what the Barclays Bank internal systems lists . Two sets of books is a practice not consistent with published financial statutes. Please advise. Note : The Customer Service XXXX mentioned an internal complaint would be noted on my account.
Product: Credit card or prepaid card

As of today upon checking my credit profile I noticed that it had dropped nearly 300 points very recently. As it so happens Kohls has closed my card with 0 notice, thus wiping out 7 years of good standing credit history with them. They claim it was for inactivity, which, while true, does not account for the fact that I, like many others, have not been making a habit of public shopping due to the COVID pandemic. 

I called their helpline and was met with not only uncaring representatives but one downright rude supervisor who consistently cut me off and spoke over me many times. Refusing at all to assist me and and telling me only, " it's against policy to change this ''. I would understand such if I had a history of bad standing with them but that is not the case. 

I'm working on building a house currently and due to their actions they have dropped my score enough that they are putting my family and I 's new home in jeopardy. As of now, XX/XX/2021 I have left a detailed message with the rude supervisors chairman and awaiting a return call.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer SSN : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and TransUnion credit reporting agency XXXX 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 an account opened at Fair Collections and Outsourcing on 03/03/2024. This account has resulted in a fraudulent account and hard inquiries appearing on my consumer FICO credit report. I've attached documents with the account and hard inquiries in question maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account and hard inquiries as reported. The aforementioned account and hard inquiries on my credit report maintained by you were not opened, made, or initiated by me. The aforementioned account and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit card

On or around XXXX XXXX I tried to use my Citi card for an online car rental reservation which led to a Fraud Alert call. Apparently the card was being flagged as it was being added to an XXXX XXXX, something I had not tried to do. As a result that card was cancelled and a new one was issued per the representative I spoke with. I left out of the country on the XXXX and returned home Sunday XXXX XXXX. 

On the XXXX I received a fraud alert call which led us to learn that my replacement card I never received was being used. I dedicated XXXX hours between XXXX and XXXX that night to assist with marking all the charges as fraudulent and to ensure the card was cancelled. Due to the amount of time spent on the call I was informed I would have a new card delivered to my home via FedEx as well as a gift card of {$100.00} for my time. 

Yesterday, XXXX XXXX, I receive another call at XXXX from a " supervisor '' advising that apart from the transactions addressed the evening before, there was also balance transfers attempted and also needed to be marked as fraudulent. I provided all the required authorization and the representative claimed he would take care of it and reach out in case of any further questions. This after receiving poor treatment from the representative ( recorded call - pull tapes if desired ). 

Today is the XXXX and received yet another call to learn that the card that was flagged as fraudelent 2 days ago remains active and that new charges were made using that card. This makes me wonder the integrity in which my account is being handled by Citi seeing as the card should have been cancelled the moment I confirmed the first fraudulent card. When asked today where to send the replacement card, I also raised the flag with them considering the " replacement '' was meant to be on its way 2 days ago and wonder now if/when I might receive that one. As a result, I opted out on having them send a replacement card today and went ahead and requested my account be permanently closed since I can not trust Citi is a right fit for my financial needs due to their mishandling of my case as well as mishandling my time which is of more value.
Product: Credit card

I have a credit card with Capital One. XXXX charges it once a year for XXXX XXXX. My wife signed up for it several years ago, but she XXXX XXXX XXXX year 's ago. I was finally able to get through to XXXX last year and they assured me that no future charges would be forthcoming. Yet on XX/XX/XXXX of this year they charged me once again. I have made repeated efforts to contact XXXX both by phone and by their web page, following their instructions. However, they have set up things so that there is not option to cancel the service, and they automatically hang up on you when you call their help line, or thier XXXX XXXX headquarters. You should try it, and you will see exactly what I mean. it is like a boilerhouse operation. They should be ashamed of themselves. I am so disappointed that a major U.S. based company behaves like this.
Product: Mortgage

My mortgage loan is currently serviced by Bayview Loan Servicing ( BLS ). Due to serious accounting issues that were discovered through QWR, Bayview agreed to work through the loan modification process to mediate the issues. BLS has now refused to underwrite the loan modification submission and will no remit a copy of the denial. BLS is required per HUD and CFPB law to remit a copy of the loan modification denial, in order to allow for a formal appeal to be entered. Furthermore, BLS has set a foreclosure sale date of XXXX, without granting allowance for a formal appeal. The CFPB law that was revised in 2014 clearly states that homeowners must be clearly informed during the entire loss mitigation process, so they can take the necessary steps to avoid foreclosure. BLS has clearly violated the CFPB law, so I am seeking your assistance on this matter.
Product: Debt collection

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper XXXX validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking.Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I truly have no idea what these claims are on my credit report I know I have unpaid hospital bills and 1 car repossessed but that is it.There is a claim as of XXXX and XXXX when I know I haven't accumulated I have medical insurance now and have for past couple years.I was Young and didn't understand the importance of my credit but I now know just can't figure out how to fix it no one will help me because of my credit score related to a bunch of negative inquiries that I have no idea what it is please someone help
Product: Vehicle loan or lease

I purchased a certified battery electric vehicle a XXXX XXXX XXXX from team XXXX. 

I was sold a warranty contract that does not cover a battery electric vehicle, The finance company I was issued was Exeter finance LLC and on my contract is stated that same {$XXXX} warranty XXXX XXXX XXXX represented the sale of the vehicle both by selling a vehicle that had a dangerous battery electric vehicle with a fire hazard that was in recalled by XXXX XXXX within XXXX  days of my ownership in addition to selling me a warranty that does not cover XXXX electric vehicles XXXX XXXX was forced to resend the entire sale of the vehicle and refund me all of my money during this time I had to rent another vehicle, but the loan was still through Exeter. XXXX this loan should have been voided. 

The attached document show that the contract was rescinded. I disputed this with XXXX and XXXX and XXXX and asked Exeter to remove this from my credit report. Exeter finance denied