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

" XXXX XXXX  '' continues to report inaccurate information to EXPERIAN, XXXX, AND XXXX, unbeknownst to me up until now. I have been a victim of Identity theft. 

Account # : XXXX - Shows as closed however this account was not mine to begin with, I never authorized or initiated this account setup, and It is was opened in XX/XX/2015, well past the statute of limitation laws of 7 years on a credit profile. 

As a result, I have gone forward and filed for Identity Theft, in which I've attached below the copy of the Affadait. 

According to 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. 

It has been 30 days and EXPERIAN XXXX XXXX are in violation of this law because I am a victim of identity theft!! 

This account should not be furnished on my consumer report as it is VIOLATION. Under 15 US code 1681b permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( 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 NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I desperately need some help resolving the situation at hand!! I reviewed my credit report and noticed an incorrect entry being listed in the collections section. Take note, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. I have tried to have this validated by the collection agency, to no avail. So, I am requesting that you please verify that the information reporting on this account is in fact correct. Also, please send me the procedures that you take in order to verify. I want to know who you contacted in order to verify their address and phone number. Since the company is unable to provide me sufficient proof that I am legally obligated to pay this alleged debt, I am requesting that you delete it from my credit report. Please send me confirmation of said deletion. XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX and XXXX XXXXXXXX. Please delete these fraudulent accounts ASAP.
Product: Credit reporting or other personal consumer reports

noticed an unauthorized withdrawal from my bank account with XXXX XXXX on XXXX XXXX. This transaction was not authorized by me, nor did I make this withdrawal. The amount of the unauthorized withdrawal was XXXX. They took unauthorized money which was my personal money to cover any other charges on my account. Which put me at an higher amount. I am disputing an unauthorized withdrawal that occurred from my XXXX XXXX. The withdrawal was made by XXXX ( the car rental company ), and I did not authorize this transaction causing a downward spiral on my account and which sabotages my credit report which hurts me poorly in trying to apply for anything.The charge was related to a car rental under insurance replacement, where the insurance company was responsible for payment, not me. This payment was paid in full. The insurance company had already paid XXXX directly for the rental car, and they were not authorized to take additional funds from my card. However, XXXX took funds from my account in the same amount the insurance had already paid them, without my consent or knowledge of charger, effectively charging me double for the rental. I did not provide authorization for XXXX to charge my card at all since the payment was already settled by insurance. When I noticed the unauthorized charge, I immediately contacted XXXX to dispute the transaction, but they did not resolve the issue. Instead, they reported the charge-off to the credit bureaus, marking my account negatively for this unauthorized transaction. Additionally, I discovered that XXXX had made an unauthorized credit inquiry on my account on XXXX XXXX. I did not apply for credit with XXXX, nor did I authorize them to check my credit report. I have filed a report with the FTC regarding this fraudulent activity and attempted to resolve it with XXXX XXXX several times and XXXX and the other credit bureaus. American heritage did not grant me sufficient help with this matter nor did XXXX XXXX XXXX me it was non disputable even though it was wrongly done and I showed proof it was paid for and that they were unauthorized to pull funds from my bank card. However, the unauthorized charge-off and inquiry remain unresolved, and this has negatively impacted my credit. I immediately contacted the bank to dispute the transaction, but instead of resolving the issue, the bank charged off the account, marking it as a negative item on my credit report. The charge-off was reported to the credit bureaus as a negative entry, even though it was the result of fraudulent activity. I have restrictions from my bank and cant not get credit or apply for anything and has negatively impact me for years.
Product: Credit card

I wanted to remove the joint cardholder off my account but was unable to
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 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 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: Checking or savings account

Around XXXX my account became compromised and closed from the fraud. 
I accidentally fell for a scam that had me put {$2500.00} worth of invalid checks that would bounce. I was then asked to send the money to someone to help take care of their child 's caregiver. I felt like something was off and reported the fraud before the checks could bounce. 
I reached our to Bank of America to notify them of the fraud since their automatic system did not stop the deposit of 5 {$500.00} checks until after almost {$3000.00} was already scheduled to deposit. I deposited a valid {$1600.00} check from XXXX that they tried to tell me was a fake check. 
I've followed up for two months and Bank of America is insisting I pay for fraud I reported despite their coverage liability and inability to act. They have held my accounts in closure for two months and have not contacted me about the held funds. Despite contacting and asking for a time line or any future steps, I was told that I simply have to wait. And despite being a victim of fraud, they have yet given me any time when I may get the funds or when the accounts will close.

I've been unable to open new accounts but can't use any other banking institutions due to their report on XX/XX/XXXX. Overall, Bank of America has not held up to their fraud prevention and have left me stranded in trying to find a resolution.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX XXXX  XXXX made an unauthorized inquiry on my credit report without my permission, so did credit acceptance on XX/XX/XXXX. i contacted both companies and experian, XXXX and XXXX. i informed them that i have never had a credit in my entire life and that i've never applied for credit either and that i'd like them removed.There has been no permissable purpose. because i've never applied for credit, had a credit profile, or gave anyone allowance to check, or report any information on me to anyone, or company
Product: Credit card

I have a Macy 's XXXX XXXX Card - XXXX ( XXXX ) fraudulent charges were made on the XXXX XXXX portion on XXXX/XXXX/15 for XXXX products for {$52.00} each - a total of {$210.00}. I have never used the XXXX XXXX in the entire history I have used this card. I do n't use the Macy 's card that often and did n't notice the fraudulent charges until a made a small purchase at Macy 's at the beginning of XXXX. I immediately contacted the Fraud Department on XXXX XXXX and was told they would be sending a Statement of Fraud form that I needed to fill out. I never received the form so I contacted them on XXXX. I finally received the form and immediately mailed and faxed a copy on XXXX. I received a confirmation receipt that it was sent. I contacted them on XXXX and they said they would expedite the case. On XXXX, I called again and they said they did n't receive the information. I faxed the information again on that day and the following week on XXXX. I got confirmation receipts for both days. On XXXX, I activated a new card but when I tried to make a purchase in Macy 's on XXXX it was denied. I was told I would have no issues using the card when I activated it. I immediately called the Fraud Dept. that same day and they said it was denied becaue of pending unpaid charges. In the meantime, my card is accumulating late fees and interest on those fraudulent charges made way back in XXXX. I am afraid this is going to affect my credit. I have an excellent credit history and always pay my bills on time! I called today, XXXX and they notified me that my case is still under investigation. It 's 2 months already and they are unable to give me any good reason as to why it 's taking so long. I really need help in getting this resolved.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balanced {$0.00} XXXX  XXXX Balanced {$0.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiry I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiry : XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian is wrongfully reporting a defaulted student loan that should have been removed under the Fair Credit Reporting Act ( FCRA ). 

The loan originally defaulted in XXXX, meaning it must be removed after XXXX years ( XXXX ) per FCRA regulations. 

XXXX and XXXX have already removed this loan, confirming that it should no longer be reported. 

Experian refused to remove the account despite multiple disputes. 

The CARES Act forbearance does not reset the XXXXyear reporting period, and Experian is incorrectly reporting a " new '' collection date ( XX/XX/XXXX ), which is misleading and damaging to my credit. 

As a result of Experians refusal to correct this error, my credit scorXXXX dropped XXXX points, causing financial harm. 

I am requesting that Experian immediately remove this defaulted loan from my credit report and correct my credit score. If this issue is not resolved, I will explore legal action for FCRA violations. ''
Product: Credit reporting or other personal consumer reports

the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C.5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Account type credit card XXXX  XXXX, XXXX  & XXXX Account type Charge card XXXX XXXX XXXX Account type line of credit XXXX XXXX Account type Credit card XXXX XXXX XXXX XXXX Account type Credit card XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I opted to have my account frozen which it was frozen. But it was also used after my freeze
Product: Credit reporting or other personal consumer reports

Theses inquiries were unauthorized 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reached out numerous times to XXXXXXXX XXXX  in regards to a XXXX day late payment that they are reporting on my credit reports with the credit reporting bureaus. The late payment is being reported in late  2021 during the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I provided XXXX XXXX  that information including a copy of the XXXX XXXX XXXX XXXX XXXX XXXX stating negative consumer credit reporting this time is suspended due to no fault of my own.
Product: Credit reporting

I 'm referencing Case number : XXXX for a previous CFPB case, the reply was n't satisfactory and I disputed it mentioning what I really wanted which is explained from my response " my issue is that I ca n't access the report online, I did n't want to be sent a copy through mail. 
I feel more comfortable viewing my report online and I need to know why I ca n't. 
I appreciate the response but that 's not resolving the root cause, you are just fixing the symptom. 
Do I have to submit a complaint every time I want to view my report, I was even trying to register for your plan to view my report whenever I want, meaning i was willing to pay but because I ca n't access it online I ca n't even start the subscription '' Equifax did n't respond, they closed my case which is still very unfair because they have n't actually sorted out my problem
Product: Consumer Loan

On XX/XX/XXXX, we ( XXXX XXXX XXXX XXXX XXXX purchased GAP Coverage from Performance Ford in XXXX, NJ for our new XX/XX/XXXX XXXX XXXX XXXX. When finance representative from Performance Ford sold us the GAP Coverage, he suggested to keep it for XXXX year and then cancel the GAP Coverage in XX/XX/XXXX. The primary reasoning for keeping the GAP Coverage for XXXX year was that the market value of our car will be closer to the loan amount after the end of first year, in which case the GAP Coverage wo n't be required. As agreed per our discussion at the time of car purchase, in XXXX, we called Performance Ford to cancel the GAP Coverage
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report you listed that I have a collection/chargeoff from your company. Please provide signed documents with my signature or any other documents showing I supposedly have a collection/chargeoff with your company. I have never been to college and I do not have any student loans. Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. Thank you
Product: Checking or savings account

Per the request of XXXX ( XXXX ) on XX/XX/XXXX. 

XX/XX/XXXX Purchased two TV totaling {$750.00} ( page labeled 5 in the upper right corner ) is the receipt. XXXX XXXX order # XXXX. XXXX XXXX emailed see page ( s ) 1-4 ( page labeled in the upper right corner ), stating the order was delayed. 
XX/XX/XXXX I received a notification at XXXX that the product had been delivered. ( page labeled 5 in the upper right corner ) Upon arrival to XXXX XXXX XXXX XXXX XXXX my dwelling ). There was no product delivered. I immediately contact XXXX XXXX at XXXX. I informed the agent that I had not received any product and need a proof of signature from the delivery company. I was put on a 23 min hold. When the agent returned, he stated, the product had not been delivered. He further stated another shipment would be sent out. 
XX/XX/XXXX I received an email stating the order was delayed. See page ( s ) 7-8. ( page labeled 5 in the upper right corner ) XX/XX/XXXX My bank checking account was debited {$750.00}. ( which I found very interesting, since I had no product and no delivery date in sight ) XX/XX/XXXX I called XXXX XXXX at XXXX once again to advise, I had not gotten the product, nor a delivery date as to when the product would be delivered and that my bank account had been debited for {$750.00}. I requested the order be cancelled. I received an email see page ( s ) 9-10. ( page labeled 5 in the upper right corner ). 
XX/XX/XXXX I called XXXX XXXX yet again at XXXX to inquire about the {$750.00} refund. The female agent, stated to me, I would need to wait one billing cycle in order for the credit to show. I explained I used my debit card no credit card. The agent told me it was the same regardless what type of card I used. I was not satisfied with the response, so I started my own investigation in an effort to recover my monies. I read in the disclosure, see page ( s ) 10 ( ( page labeled 5 in the upper right corner ), that it could take my bank up to 10 days to make adjustments to my account. Based on that information, I waited the 10days and then contact my bank. 
XX/XX/XXXX A provisional credit of {$750.00} was issued to my account. Because I had followed instructions and did beyond my due diligence. 
XX/XX/XXXX I called Capital 1 bank to find out why my account showed a negative balance. XXXX XXXX XXXX ) stated the claim was denied. OVER 90 DAYS????? 
XX/XX/XXXX Submitted this letter along with 12 attachments for demand of credit of {$750.00}.
Product: Checking or savings account

I'm filing a complaint against cash app ( block , inc ) due to the inadequate customer service and unfair practices, which violates the Consumers Financial Protection Act ( CFPA ). Cashapp failed to take timely ans effective measures to prevent and 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 regulations E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have an account on my credit report that is closed and shown as charged off with a balance due of {$13000.00}. This is by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my account was issued a 1099-C for debt cancellation, but the account balance still shows {$13000.00}. It has not been updated to {$0.00}. XXXX XXXX XXXX XXXX not let me settle the account balance with them as they have already issued a 1099C, and they still will not update my balance to {$0.00}. So I am stuck here with no other options! As of XX/XX/2024, the balance on my credit report still shows {$13000.00}. I have also filed disputes against this with all 3 credit reporting agencies still yet to hear back. One did get back to me ( Experian ) but did not actually resolve anything. That is why I am escalating this to CFPB to step in to help me get this resolved. I can not apply for mortgages as it still shows a balance and causing my credit utilization ratio to go over 70 % due to such a high of a balance, and I can not resolve this with the company either as they already issued me a 1099. 

I have attached my credit report for reference and I also did file a complaint with XXXX XXXXXXXX XXXX as well but I want this fixed on my credit reports as well.
Product: Debt collection

A received notice from Credit Corp Solutions Inc. that I allegedly owed them {$2900.00}. I had never heard of that company, so I requested verification of the alleged debt. I reached out via USPS mail on XX/XX/year>, via email on XX/XX/year>, and again via email on XX/XX/year>, I have yet to receive verification of the alleged debt. However, the company has threatened legal action on me, despite not having met my request for proof that this alleged debt would belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian for failing to adhere to consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. Despite my lawful disputes regarding inaccuracies on my credit report, Experian has failed to conduct a proper reinvestigation and continues to report incorrect information, in violation of my rights as a consumer.

The violations in question include but are not limited to : * Failure to remove inaccurate or fraudulent accounts despite lack of verification.

* Failure to conduct a reasonable reinvestigation as required under FCRA 1681i.

* Continued reporting of unauthorized credit inquiries without permissible purpose under FCRA 1681b.

* Failure to provide adequate documentation proving the validity of disputed information.

I have made multiple attempts to resolve these issues directly with Experian by disputing the inaccurate information, but they have not complied with their legal obligations. These violations have caused undue financial hardship, including potential impacts on my credit score and access to financial opportunities.

In accordance with FCRA 1681s ( a ), I am formally requesting the Consumer Financial Protection Bureau to investigate Experians actions and take appropriate enforcement measures. I have attached copies of my dispute letters, Experians responses ( if any ), and any supporting documentation proving their non-compliance.

I kindly request that the CFPB intervene and ensure that Experian adheres to federal laws protecting consumer rights. Please confirm receipt of this complaint and inform me of any actions taken regarding this matter.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that MRSBO would verify the debt. So I took it upon myself to ask MRSBO for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.