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

I am writing to notify you of a serious issue concerning the compromise of my Social Security number. I am a victim of identity theft. I have reported this incident to the Federal Trade Commission, and a copy of the filed complaint is attached for your reference. I request that you immediately block and delete all fraudulent information from my credit report and provide me with an updated copy of the report. The following items were opened fraudulently and are not authorized by me : Accounts : ( XXXX XXXX XXXX, Account Number : XXXX ) ( XXXX XXXX XXXX Account Number : XXXX ) ( XXXX XXXX, Account Number : XXXX ) Inquiries : ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ) In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and remove these fraudulent items within 4 BUSINESS DAYS of receiving this request. If you fail to act appropriately, I will be forced to pursue a small claims lawsuit against your agency. I will be seeking statutory damages of {$1000.00} for each violation, which may include but are not limited to the following : 1. Defamation of character 2. Negligent facilitation of identity fraud 3. Violations of the Fair Credit Reporting Act 4. Civil liability for negligent non-compliance ( 15 U.S.C. 1681o ) 5. Civil liability for willful non-compliance ( 15 U.S.C. 1681n ( b ) ) 6. Failure to comply with 15 U.S.C. 1692 ( g ) 7. Violations under 15 U.S.C. 1681b Permissible purposes of consumer reports 8. Violations of the method of verification ( 15 U.S.C. 1681i ( 7 ) ) 9. Right to privacy violations ( 15 U.S.C. 1681a ( 4 ) ) 10. Violations relating to the contents of consumer reports ( 15 U.S.C. 1681c ) I take this matter very seriously and demand immediate action to block and remove these fraudulent accounts from my report. I expect to receive an updated copy of my credit report sent to my address at no cost to me, as required by law. Additionally, I request that you notify any recipients of my credit report in the past six months of these corrections.
Product: Credit reporting or other personal consumer reports

To Whom it may concern, I am writing this letter as a formal complaint against XXXX, XXXX and Transunion. I have made several attempts to have my personal information on file updated and the removal of all inaccurate information. As they are not deliverable to me by U.S postal office, and they are not reportable as per the F.C.R.A section 623 ( 15 U.S.C 1681-2 ) responsibilities of furnishers of information. These agencies continue to report my personal information inaccurately, which is damaging to my credit.
Product: Credit reporting or other personal consumer reports

According to information received by XXXX XXXX, credit checks that are related to auto loans that take place within 14 days of each other should be condensed to a single credit check. I have XXXX credit checks for an auto loan on my report on XX/XX/year>, XX/XX/year>, and XX/XX/year>. I also have XXXX credit checks for another vehicle taking place on XX/XX/year>. I spoke with XXXX, Equifax, and XXXX to have these ( XXXX ) credit checks condensed to XXXX credit checks, but they said they're unable to do so since they aren't recent.
Product: Vehicle loan or lease

On XX/XX/XXXX I entered into a purchase agreement with a private party for the purchase of a XXXX XXXX XXXX. I started the loan process with Alliant XXXX Credit Union on XX/XX/XXXX. At their request, I provided all required items. Alliant  kept sending separate requests for items instead of one request with all items needed to close the loan. The communication between XXXX XXXX and myself was horrible. Many times I reached and did not hear back, left multiple messages and even spoke to his manager XXXX. None of these avenues provided any successful results. After multiple unsuccessful attempts, after providing everything they asked for, I reached out to customer service and asked to work with someone else. At that point, I began working with XXXX XXXX on approximately XX/XX/XXXX. XXXX asked me for additional information including another payoff statement and additional paystubs. Again, I provided all items needed including an updated buyer/seller document ( already previously completed ) and waited. I waited a few days and nothing. It is now XX/XX/XXXX, well over a month since I began this process and today, Alliant CU advises me that can only cover 90 % of the car. The value of the car is XXXX but they have stated those can decide to use the value or the purchase price and theyve opted to use the purchase price with no explanation and have asked me to come in with XXXX down. I feel discriminated, I feel like my time has been wasted, I feel they misrepresented their process and at the 11th hour changed the terms on me to a less favorable option in an effort to deny my loan.
Product: Student loan

I had called at some time because I was having financial struggles as a single new mom and no one to help support me and I was told I could make a {$10.00} payment for 10 years and then the loans will have all been forgiven. Later in the course of my loan they either cancelled it or told me I had to re apply for a " income based repaying '' plan .. which I did not understand and since then I have been on this repaying plan paying nothing! I was confused at the time but continued to do what I was told. I am concerned now that I may have been taken advantage of because I had no knowledge of the bait and switch they were pulling on me. I want my original agreement to be honored. This is not fair.
Product: Student loan

I filed XXXX  XXXX XXXX in 2014, included XXXX XXXX student loans ( Notice to Creditors Certification attached ). I requested an Adversary Proceeding due to student loans causing undue hardship. XXXX XXXX was properly notified, means test was performed and Federal Trustee and Judge approved student loans to be discharged ( Final Trustee Report attached. ) I have been trying to get XXXX XXXX, XXXX and now Aidvantage to recognize a FEDERAL COURT ORDER and discharge these loans and remove all negative history from credit reports. I have never been able to buy a home for my family and have suffered tremendously from their inaction.
Product: Checking or savings account

I wrote XXXX  checks for XXXX XXXX on XXXX and XXXX  2023 of but lost the checks and somebody fraudently deposited for the second time on XXXX  2023. I been going to the bank for almost a year for this problem but the bank says its not their problem. Therefore I filed TD bank fraud referral form XXXX XXXX and XXXX XXXX for XXXX checks on XX/XX/2023 store associate XXXX XXXX at XXXX XXXX. It has been XXXX  months since I filed and then I was told to approach another TD bank because they dont handle such fraud case and I went to another TD bank and made another affidavit of Forgery by XXXX XXXX at XXXX XXXX TD . Now they are telling me call customer care which has no answer but to got the nearest TD bank. Im totally frustrated at this point. I feel now they want to bury my case under paperwork and kill my time and patience.

I beg the concern authorities to please look into my matter.

Thanking you sincerely. 
XXXX XXXX Check number. XXXX and XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 - I sent out a letter to XXXX, XXXX AND EQUIFAX regarding a few inaccuarate inquiries Ive came across on my credit reports that weren't authorized by me. ( Documents attached ) On XX/XX/XXXX - A month went by and after hearing nothing back from neither of them, I followed up by sending an additional 30 Day Follow Up letter to each bureau. 

On XX/XX/XXXX- I received a letter from Equifax stating that they needed a copy of my drivers license and social ( which I in fact did send along with the letter ) and stated that process could take an additional 30 days. 

On XX/XX/XXXX - I also received a letter from XXXX which was in fact nothing but a copy of my credit report with attached instructions to dispute online. 

I still have yet to hear back from XXXX regarding the inacurate inquiries since XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I accidentally paid off the full balance of the account. I recently sold real estate and had cash on hand and was attempting to make larger payments against my revolving credit. On XX/XX/XXXX I received notice that my account was closed. I called the company and they advised it was closed to to credit concerns. I was maxed out on my revolving credit, had collections, and delinquencies. I advised truthfully that this had been the case for over 5 years. I advised that I was trying to correct this issue by making larger payments and paying off a significant portion of that debt. They advised they would not reverse the decision. I have been a customer if the credit card for over 20 years. They incorrectly received the full balance and therefore made the decision to close the account. Extremely predatory lending. Advised that the payment was incorrect I would be disputing it with my bank and they needed to reopen the account. They advised they would not. They stated that I could reapply. I advised was not an option. They refuse to correct the situation. Very frustrating and just a sign of the times with these predatory Lenders these days.
Product: Debt collection

I am writing to formally dispute and request the removal of a fraudulent account that has appeared on my credit report with your bureau. I have already successfully disputed this account with the other credit reporting agencies, and they have promptly taken the necessary actions to rectify the situation. The fraudulent account in question is XXXX XXXX, and I believe it is a result of identity theft. I reported this issue to your bureau on XX/XX/XXXX  and I have submitted all required documentation, including the identity theft affidavit, a copy of my ID, and any other supporting evidence. 
I am confused and concerned about why your bureau has not acted in accordance with the Fair Credit Reporting Act ( FCRA ) and allowed this false information to tarnish my credit score. 
Failure to comply with this request within the legally mandated time frame will leave me with no option but to pursue legal action to protect my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Business Name : XXXX XXXX XXXX XXXXs Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Complaint 1. Fraudulent Credit Reporting Misrepresentation of Creditor My personal and business credit reports wrongfully list an auto loan account under XXXX XXXX XXXX XXXX ( XXXX ), even though my original contract was with XXXX XXXX XXXX ( AFS ). 
At no point was I informed that my loan would be assigned, transferred, or securitized by XXXX XXXX XXXX XXXX. 
This constitutes misrepresentation and deceptive lending practices under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

2. Inaccurate Reporting of 30-Day Late Payments My credit report falsely states that I was 30 days late for payments in XXXX 2024 ( XX/XX/XXXX ) and XX/XX/XXXX 2024 ( XX/XX/XXXX ). 
I previously disputed these inaccuracies, but XXXX, Equifax, and XXXX verified them as accurate without conducting a proper investigation. 
Under FCRA 1681i ( a ) ( 1 ) ( A ), the credit bureaus must conduct a full, legally compliant reinvestigation, yet they failed to do so.

Federal law prohibits the credit bureaus from relying solely on account statements as proof of delinquencythey must verify transaction logs, timestamps, and payment processing records.

3. Failure to Conduct a Proper Investigation & Verification The credit bureaus and XXXX XXXX XXXX failed to provide legally required documentation proving the validity of the late payments. 
They did not review actual payment processing logs or timestamps, which is a direct violation of FCRA compliance standards. 
XXXX, Equifax, and XXXX failed in their legal obligation to verify information before re-reporting it as accurate. 

4. Failure to Provide Legally Required Credit Disclosures Under TILA ( 15 U.S.C. 1641 ( g ) ), I was never notified that my loan was assigned, transferred, or securitized. 
If XXXX XXXX XXXX transferred or securitized my loan with XXXX XXXX XXXX XXXX, I was never properly notified, violating federal lending laws. 

5. Potential Retaliation & Discriminatory Practices I have reason to believe that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX may attempt to retaliate against me for filing this complaint. 
I am formally putting all parties on notice that they can not suspend my account, alter my credit terms, or take adverse action against my personal or business credit standing due to my disputes.

Under the Equal Credit Opportunity Act ( ECOA 15 U.S.C. 1691 ) and FCRA, any such retaliation is strictly prohibited.
Product: Debt collection

I've sent numerous disputes that the debts in question are incorrect, however, the agency has not acknowledged or responded to any of my disputes. Cease and Desist letters were recently sent, of which were ignored as they continue to send multiple letters weekly.
Product: Checking or savings account

I want to preface this complaint with the fact that I have, up until this point, had no issues with either my Etrade account services nor any customer service issues. I had initiated an online ACH transfer from my Etrade checking account on XX/XX/XXXX to fund a new account opening at another bank. There were issues at the other bank, so the account closure set off a string of poor customer service experiences related to the retrieval of the original ACH transfer at both banks. 

In addition to numerous customer service email requests and phone calls, the funds have still not been credited back to my account. The fact that an unknowledgeable customer service representative indicated that the funds will be credited within 1-2 days over a week ago, and the bank is now backpedaling regarding the need for dispute documents makes me just as suspicious of where my money currently is as I am with the new bank. When they told me today that this simple credit of the funds back to my account will take 90 days, I couldn't help but have to file this complaint for incorrect information provided by the initial customer service representative and the fact that a legitimate transaction would take 90 days to resolve.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Product: Credit reporting 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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account XXXX : XXXX and list of Inquiries. 

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.
Product: Credit reporting or other personal consumer reports

I applied for a Covid Forbearance in XX/XX/2023 and it was approved. In XXXX XXXX XXXX The Forbearance was complete and I received a FHA partial claim to get back to current on my mortgage. Planet Home is reporting the Foreclosure status on my credit report instead of reporting only the status at the time of my application for the Covid Forbearance as outlined in the Care Act.

Mortgage company is reporting the delinquency up to the end of the forbearance up to the payment of the FHA partial claim ( XX/XX/2023 ) I have requested a dispute from all XXXX credit bureaus for it to be updated and the disputes came back unresolved and still showing delinquency status after XX/XX/2023 when I applied for the Cared Act Covid Forbearance.
Product: Checking or savings account

On XX/XX/2022 my chime banking account was hacked and still they do nothing about it while i was asleep someone changed my email address my pin and added there own go 2 bank account and this has been a nightmare my grandkids didn't have a XXXX do to this it was only XXXX and it may not seem like much but to us it was everything. We had no holiday and still to this day they have done nothing and they say they cant identity me i have done everything chime has asked of me and still nothing why cant you sue chime??
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : A thief was able to pose as me and gain access to my credit bureau accounts. He changed my contact information and removed my credit freeze. He gained my credit report from all three agencies. At XXXX he charged my credit card on file to upgrade my account for more access. 

XX/XX/XXXX - today ( XX/XX/XXXX ) : I have called to change the contact information back and reinstate the freeze at all three credit agencies many times. And added a fraud alert multiple times. The thief continues to be able to remove the freeze and fraud alert. 

XXXX and XXXX have my account 'locked down ' during their investigation, meaning I can not access in real time who is making inquiries or check the status of the credit freeze and fraud alert. I do not get any notifications when they are removed. So effectively they have helped the criminal get away with stealing if he ends up being successful. ( For example, I called Saturday and the freeze and fraud alert was removed so I reinstated them. He removed them again Sunday, so I called this morning Monday and reinstated them ) The agents just keep putting it on my account but state there is nothing else they can do to prevent it from happening. 

The documentation I sent in will close my account and reopen with a new account number? But that information is not needed to lift the freeze and fraud alert so I'm not confident the action plan they have in place will prevent theft. And in the mean time there is nothing else being done to protect me or the banks/credit institutions. 

Transunion closed my online account after I changed my username and password but it didn't make a difference he continues to update my contact information and remove the freeze and fraud alert.
Product: Checking or savings account

Chase did not help me with XXXX payment to fraudulent person
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Mortgage

I had a Mortgage with Bank Of America for my home in Florida. I have been advocating to save my home since XX/XX/XXXX when Bank Of America sent me a notice from a Florida Developer that they wanted to buy my home as part of a development buyout of our community. Bank of America did not give me the notice until XX/XX/XXXX but they received it in XX/XX/XXXX. This delay which gave way to me being beyond and objection time frame regarding the sale of my home, therefore Bank of America eliminated my ability to object. 
Bank Of America and their employees caused further harm when they did not accept the Full payoff for my home but instead a very low value. The Home was located in a pristine waterfront yacht community. Florida Law required in addition to my right to object to the sale but also that any first Mortgage is to be paid in full. ( Bank Of America held the First Mortgage and the only Mortgage ) Bank Of America further harmed me when they did not accept the full payoff as required but instead sent my file to another department to charge off my balance and ruined my credit by deliberately sending notice to the credit reporting agencies. 
Bank of America employees to numerous to list including on XX/XX/XXXX XXXX XXXX resolution specialist letter designed to continue to ignore the matters of the complaint and talk about other matters in an effort to sidetrack the complaint.Her summary of research was limited to 2 sentences.The letter was designed to hide many facts including when the developer sent me notice via Bank Of America and who received the notice so not to expose wrong doings by those employed by Bank Of America. 
Because of the lack of proper actions by Bank Of America and their employees we were forced in an unreasonable time frame to vacate our home, boat dock and fire sale our boat and leave our property and community, while Bank Of America gave no thought to our wellbeing after more than 10 years of payments to them while refurbishing our entire home to protect its equity. 
All of our payments were current including HOA fees and taxes. 
All documents and files including letters from Bank Of America will be available with the timelines when all notices were received.
Product: Credit card or prepaid card

I made a {$1000.00} USD online purchase via XXXX with my Bank of America credit card. The entire transaction from the vendor website to the checkout screen and confirmation screen by XXXX and the vendor appeared to me as US Dollars. Bank of America then charged me a {$32.00} foreign transaction fee. 

There are two companies at fault : 1 ) XXXX for failing to be transparent in showing that this is not a USD Charge 2 ) Bank Of America for charging me a foreign transaction fee when I am paying XXXX in US Dollars.
Product: Credit card or prepaid card

Comenity regularly deceives customers to collect undue fees and interest on its POS credit card products. 
The stream of consumer complaints is incessant - with new complaints posted weekly as you can see here : https : XXXX 
and here : https : XXXXcomplaints In my case, I was recently charged a late fee, despite making regular monthly payments well in excess of the minimum due payment. 

In my correspondence with the company, they avoid answering direct questions, and instead obfuscate and confuse by quoting irrelevant paragraphs of their terms and services agreements. 

I will attach our correspondence, if attachments are allowed by this online form. 

Most specifically : - my credit card was issued ( at web POS ) on XX/XX/2019 - I made regular monthly payments of {$120.00} every month no later than the XXXX. 
- I was assessed a late fee of {$27.00} on XX/XX/XXXX. 
- The company would not explained how and why that fee was assessed. 

With you help, I would like to prevent them from extorting and exploiting more customers, as they continue to do regularly and on a large scale. 

Thank you.
Product: Credit card

Capital one mobile app provides the payoff for credit cards including balance+interest. I paid the whole balance including interest on XX/XX/2023 then was charged {$110.00} interest on XX/XX/2023.