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

I Sent a Identity theft alfadavit form to XXXX, XXXX, and XXXX on XX/XX/2023. Listing the following accounts as identity theft : XXXX XXXX XXXX XXXX XXXX BMG Money Account # XXXXXXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This now my second time sending in a identity theft alfadavit disputing these accounts There is an attachment for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX showing they were ceasing the collection for the debt and removing it from all bureaus and have not yet. 

I have also seperately online disputed these accounts as well with XXXX  and XXXX and XXXX but they keep coming back fromt the creditor as verifed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX XXXX XXXX they pulled my credit report where they were they said there would only be 1 inquiry that was on my credit report but i recently recieved a copy of my credit report and noticed a bunch or inquires that i dont recognize nor did i authorize them to access my crdit report. There is also a bunch of inquiries that are showing up as unspecified that i Definetly do not recognize nor do i give the commpanies Permissible Purpose for whatever they are connected to ive never even heard of most of these companies.

15 U.S.C 1681b refers to permissible purpose of consumer reports 15 U.S.C 1681 section 602 A. States I have a 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 XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX,
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX. This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the aforementioned account reported. The aforementioned account on my consumer credit report maintained by you was not opened, or initiated by me. the aforementioned account is 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: Checking or savings account

I am filing a complaint with CFPB regarding XXXX XXXX failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has sided technical issues, which may violate the Electronic Funds Act ( EFTA ) as it requires a timely access of funds. This situation raises concerns about consumer protection laws. And I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit card

On XX/XX/XXXX, Discover Credit Card, acting on my previous information, accessed my personal credit report. I have never requested a credit card from Discover, nor have I ever given them permission to pull my credit. My credit file 's fraud alerts alerted me. I contacted their fraud department and put an immediate stop to sending any credit cards. However, I asked for a copy of the credit application that was used to apply for a credit card, which contained my information. It is extremely alarming that they are refusing my reasonable request. I need this information to file a police report. They are more interested in protecting criminals and Discover Card 's own interests in an attempt to conceal their criminality.
Product: Credit card or prepaid card

Here is a copy of what i sent the company and what has been conveyed in multiple unsuccessful phone calls. 
XXXX Executive Response Team Citibank XXXX XXXX XXXX XXXX, TN XXXX XXXX : Dispute regarding XXXX Dear Sir or Madam : I am writing to ask you to correct an unjust and unethical business practice. Approximately two years ago, I purchased an appliance from Home Depot with the promise of two years no interest. I put the payments on a regular plan and made the payments like clockwork to pay it off within the two years. My last payment of {$50.00} was made in XX/XX/2021. Due to some type of mail delay, my last payment arrived 1 DAY LATE. I had not previously been late on any payment. 

Because I knew I had paid the balance in full, I had shut down my payments on the account. I came to find out eventually that Citibank and not only charged me one, but two late fees, resulting in a late fee assessment of almost {$60.00} -- - which was more than my final payment. 

Rather than making this easy, removing the charges, thanking me for my business and moving on, Citibank went the other way. It insisted that I pay at least part of the late charge, acted like the system would not allow any changes and refused to do anything. Citibank could have easily adopted a customer first model, recognizing the delays that are commonplace occasionally due to the pandemic, but instead Citibank has doubled-down. It is now trying to strong arm me by adding more fees. So a one day late charge is now at {$100.00}, and they keep threatening to keep charging more.

Because this is so upsetting, I offered to pay the original fee of {$28.00} just to get Citibank to stop. Instead, now there are more fees and Citibank is insisting that it wont back off of the additional fees that it has now added. 

I am asking one last time for Citibank to do the right thing. Even though it is appalling business practice on Citibanks part, I will pay the first late fee of {$28.00} just to end this ( although I think the right thing would be to simply waive them all ). If that is not acceptable, I plan to fight this aggressively, both for the principle of the matter and to contest such predatory practices that get used on your creditors.

As an aside, I find it troubling that you do not allow your consumers to file complaints electronically, thus leading to longer assessment times and consequently, Citibanks ability to add more late fees due to delay that it creates.

If you would like to resolve this matter, you may call me at XXXX XXXX XXXX XXXX XXXX or on my cell ( XXXX ) XXXX. I would prefer you try my office first, as such calls are often flagged as junk on my cell. I look forward to hearing from you. 

Sincerely, XXXX XXXX XXXX CC : Home Depot Customer Relations Citibank Corporate Offices XXXX XXXX XXXX  New Mexico Attorney General, Consumer Complaint Division Consumer Financial Protection Bureau
Product: Debt collection

I asked for a validation of debt. They responded after I asked for it. It's been almost 2 weeks and I have not received it with in that 10 day mark of first contact
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX, and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVE GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding the removal of these accounts/inquiries/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a previous dispute I filed regarding a 30-day late payment that has been inaccurately reported on my credit report. The dispute was submitted, to date, I have not received satisfactory proof that the late payment was accurately reported.

I am requesting the following information as it pertains to the resolution of my dispute : The name of the person who conducted the initial investigation for my dispute.

All documentation, records, and proof used in the investigation and verification of the reported late payment. This includes any communication between the creditor and the credit bureau that substantiates the reported information. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and it is the responsibility of the credit bureau to conduct a reasonable investigation and provide all relevant information used to verify the accuracy of the reporting. 

Please note the following consumer rights that apply to my dispute : Section 611 of the FCRA ( 15 U.S. Code 1681i ) - This section outlines my right to dispute inaccurate information and your obligation to perform a reasonable reinvestigation within 30 days of receiving the dispute. It also requires that I be provided with the results of the investigation, including all supporting evidence.

Section 609 of the FCRA ( 15 U.S. Code 1681g ) - I have the right to request all information that you have in your file regarding the disputed account, including the identity of anyone who has accessed my credit report and any documents you used to validate the disputed information. 
Section 623 of the FCRA ( 15 U.S. Code 1681s-2 ) - Creditors are prohibited from reporting inaccurate information to the credit bureaus. They must also investigate disputes and provide accurate updates to credit bureaus if their reporting is found to be incorrect.

I respectfully request that you provide me with the requested information and documents as soon as possible. If you fail to provide sufficient evidence supporting the accuracy of the 30-day late payment, I expect the incorrect information to be removed from my credit report immediately.

Thank you for your prompt attention to this matter. Please provide all requested materials in writing within the timeframes outlined by law.
Product: Credit reporting or other personal consumer reports

Equifax has time and again made it difficult to get an annual free credit report for years. Equifax deliberately and maliciously engages in an unscrupulous business practice so it can sell the subscription instead of proving a free credit report. As of today XX/XX/2024, I was able to obtain my free annual credit reports from XXXX and XXXX without any problem, but not Equifax. Equifax is a dishonest and unethical company and should be audited and held accountable for its shady business practice that has been going on for decades.
Product: Credit reporting or other personal consumer reports

I am writing to address a serious concern regarding your failure to maintain fair and accurate credit reporting as required under the Fair Credit Reporting Act ( FCRA ) XXXX. Despite my repeated efforts over the past several months to have disputed items removed from my credit report, you have persistently affirmed their accuracy without providing any evidence of the verification methods used. This lack of transparency and adherence to FCRA guidelines is deeply frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an account on my credit report from XXXX from XXXX Bank, the company was bought out by Renasant Bank in XX/XX/XXXX. Renasant bank is now reporting a balance owed. I've inquired with Renasant Bank to provide documents 3x proving balances, statements, any documentation regarding my personal information associated with this debt. i've received 3 letters stating, " For further verification please forward documentation reflecting any bank error along with the loan account number and social security number. '' Sincerely XXXX XXXX ( kt ) loan operations administrator XXXX XXXX fax
Product: Money transfer, virtual currency, or money service

I was trying to purchase concert tickets through XXXX and it ended up being a scam. I sent {$86.00} through PayPal and I am unable to cancel the money and they declined my dispute for a refund as I authorized the transaction. Yes, I sent the money but I never received my tickets at this is a scam I now see all over XXXX.
Product: Credit reporting

XXXX. I have disputed and provided information about my bankruptcy been reported incorrectly 5 times. My bankruptcy was filed in XX/XX/XXXX, discharge in XX/XX/XXXX, and revoked in XX/XX/XXXX. I have called and send the required information to prove that my bankruptcy was revoked ; yet Equifax refuses to report it as revoked, but rather continues to report it as discharged. I called and spoke with the supervisors twice and they read the document provided were they clearly understood that it was revoked and they notify me that they do n't know how to fix it. This is completely unacceptable. At first they blamed it on the Court which I called and they were able to confirm the BK was revoked, in the State of Florida said information is public record and could easily be obtained. I have reach the end of the road, the information provided clearly states Revoked but Equifax refuses to report it as such and nobody in their office seems to know what to do. Their incompetence is costing me closing on a home. I called many times but only spoke with supervisors on XXXX occasions, they understand that the the document clearly states revoked but they do n't know how to deal with my case. My bankruptcy should read revoked, dismiss, or deleted from my file as said bankruptcy grant me no protection was it 's revoked.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was living in XXXX and went i get back to XXXX i found all this on my credit report i need help from u companyto help me to remove this information from my credit report
Product: Vehicle loan or lease

Purchase a vehicle on XX/XX/2021 with Wells Fargo. 

CFPB Orders Wells Fargo to Pay {$3.00} XXXX for Widespread Mismanagement of Auto Loans, Mortgages, and Deposit Accounts I want to know if I qualify
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I called GM several times to send me the paperwork for my lease to register it to my new address with the dmv and they haven't sent me the paperwork. 
It's costing me a lot of extra money in insurance and it's important for me to register it in my new Address which is in a different state.
Product: Checking or savings account

I recieved an email message on XX/XX/2020 communicating that my checking account had been suspended and that I would need to re-submit photocopies of the front and back of my ID Card in addition to 2 utility bills and also a selfie photo of myself holding my ID Card. In response to this email message I requested that my account be closed and a check be sent to me with the remaining balance of my account ( more than {$2500.00} ). I called the bank the next day to reiterate my request for account closure and a check for the balance of my account sent to me by mail. The bank refuses to send the funds within my account unless I meet their unreasonable demands for identity verification. I no longer wish to bank with Axos Bank and would like my funds returned to me as soon as possible. Please help me secure return of my money from Axos Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing these unauthorized accounts, and I have before but for some reason the three ( 3 ) major credit bureaus are still reporting these unauthorized accounts, and if you can not provide me with physical documentation then as stated within the FCRA, I'm demanding that these accounts be blocked immediately from my credit report ... please remove these following accounts ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX ( 4 ) XXXX XXXX {$2300.00} ( 5 ) XXXX XXXX {$1500.00} ( 6 ) XXXX XXXX XXXX {$1500.00} ( 7 ) XXXX  XXXX XXXX XXXX {$790.00} ( 8 ) XXXX  XXXX XXXX {$760.00} ( 9 ) XXXX XXXX XXXX {$150.00} ( 10 ) XXXX XXXX ( 11 ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permission to Equifax to place the inquiry for XXXX on XX/XX/XXXX XXXX on XX/XX/XXXXXXXX XXXX  on XXXX XXXXXXXX XXXX on XX/XX/XXXX I asked them to remove their credit inquiry from my credit profile. I also asked them to ease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a fraudulent application for credit was was initiated under my name. I received an inquiry alert on XX/XX/XXXX and immediately called Chase Bank. The fraud department at Chase flagged the application and assured me the inquiry would be removed from my credit file. I followed up by phone on XX/XX/XXXX because the inquiry was still on my credit files and was told by a representative that it was indeed flagged fraudulent will should be removed. On XX/XX/XXXX I send a certified letter to Chase requesting them to remove the inquiry in writing ( see attached ). Chase responded ( letter attached ) asking for information I had already provided in my original letter ( date of inquiry, credit bureaus reported to, etc. ) and stating they would investigate in 30 days. It has already been over 90 days since my initial communication with Chase. I have also attached my FTC identity theft affidavit, as well as, credit reports still showing this fraudulent inquiry. I attached a screen shot of my credit profiles verifying fraud alerts were placed on my credit profiles on XX/XX/XXXX after learning of this activity.
Product: Debt collection

I moved from XXXX XXXX two years ago, I never received an email or letter about the charge, in addition to being late in returning the deposit insurance and I sent a letter demanding it or I would have to go to court, then this year I received this supposed charge, this is unfair after all after two years that they come to say that I owe, this year I received an email and a call about this charge, I will seek justice to resolve this unfair charge. I do not know if XXXX XXXX is going through financial problems to come and charge this after years, something that when I moved they did not tell me and they did not even send me a letter of collection or email, only after 2 years.On top of that, they called me super rudely, because I don't speak XXXX and they insisted that I did.
Product: Student loan

I recently graduated from XXXX school on XX/XX/18 and prior to this I have been a student full time. As The XXXX   confirmed by the letter on XX/XX/2018 sent to me : XXXX, the In-School Deferment on your student loan ( s ) will expire on XX/XX/2018. Youre scheduled to start making monthly payments ON XX/XX/2018. 

So, I have the times is 30 days to finding the money in order to make payment? I thinking this Scheduled repayment is very great to me for ( ( Im starting my XXXX XXXX XXXX on XX/XX/18 ) ). 

But, I dont know why : *The AES asked me to make the payment {$430.00} ( Due by XX/XX/2018 ) while Im still a student full time. 
And *The AES asked me to make the payment {$660.00} ( Due by XX/XX/2018 ) At this time that I recently graduated from XXXX school on XX/XX/18. 
I am writing to request that the AES/ credit report be corrected to reflect that my co-signers ( XXXX ) and I am no longer delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously mentioned the missing payment history which has resulted in Experian changing the date of status from month to month re-aging the account. The account was closed/charged off XX/XX/XXXX yet now its showing the date of status as XX/XX/XXXX. This is highly unfair since now they are saying the account will continue recording until XX/XX/XXXX.
Product: Mortgage

On XX/XX/2020 I called PHH mortgage company to discuss relief for monthly mortgage payments. I was immediately place in some kind of shady scam forbearance plan without my consent. I later learned that PHH forbearance plan and the Cares act forbearance plan are nothing alike. PHH mortgage company refuse to offer a forbearance plan in accordance with the Cares Act which offer 180 monthly mortgage payment relief and an additional 180 day relief if necessary. I want to exercise my rights to the benefits offered to me by the Cares Act.
Product: Money transfer, virtual currency, or money service

I am filing a complaint with Cash app, ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and substantial financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint in regards to accounts reporting on my report, it's been well over 30 days and I haven't heard anything back in regards to these changes.
Product: Credit reporting or other personal consumer reports

Saturday XX/XX/24 I went to lift my credit freeze with Experian. 

I was not able to do this online although I repeatedly filled out the online information requested. 

I saw the following on their website : Choose another way to verify your identity and freeze your credit report : Contact by phone SCHEDULE Monday - Friday XXXX - XXXX CST An Experian representative can verify your identity by phone, then process your freeze. 

( XXXX ) XXXX I called on Monday XX/XX/24, was able to reset my password but was not able to speak with a real person. 

I still can not unfeeze my credit. I was able to do this easily with XXXX and XXXX. 

This should be able to be done easily as this is mandated by law. I will now attempt this via mail or upload but I don't know how long this will take.
Product: Debt collection

all credit agencies, portfolio recovery and XXXX  XXXX ... continue to make demands on fraud account not mines, account outdated / charged off and expired to collect in state of TN 4yrs on open ended/ credit card,. both companies violated FCRA, FDCPA and FCBA