23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been violated by XXXX XXXX on XX/XX/2021. I am a victim of identity theft and had an lawful inquiry reported on my credit. Transunion has bought my information without my permissible purpose and has access to all my information. Transunion, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. To assume means to take for granted without proof as the basis of argument. It is unlawful for any creditor to discriminate against any applicant who in good faith exercises their right under 15 U.S. Code 1691. I have been brutally abused and deceived. This is the second time I am filing a complaint for the dispute and it has not been resolved. Please remove this inquiry off of my credit report.
Product: Checking or savings account

On XX/XX/2023, " XXXX '' charged my Frost Bank, Texas valid and active checking account with an old, cancelled debit card that had been used for the free trial site which I had already cancelled within the allowable time frame for cancelling the free trial. This charge and date was about a year after the free trial ended. 
XXXX XXXX XXXX XXXX XXXX used an old, cancelled debit card for this transaction. 
Frost, rightfully so ( XXXX XXXX  ), declined the {$59.00} charge but still listed it as " Pending '' on my currently valid and active checking account, but did not decline ( XXXX XXXX  ) the accompanying {$1.00} fee. 
Even though the debit card charged by XXXX was old AND HAD BEEN CANCELLED aboutb a year ago, FROST ( XXXX XXXX ) APPLIED IT TO MY CURRENT, VALID AND ACTIVE CHECKING ACCOUNT. 
I CONTACTED XXXX XXXX XXXXXXXX ) AND THEY SAID THAT THEY HAD NO RECORD OF ANY CHARGES, SO I WENT BACK AND CHECKED MY FROST CHECKING ACCOUNT. BY THAT TIME, THE " PENDING '' {$59.00} CHARGE HAD DISAPPEARED, BUT NOT THE {$1.00} CHARGE. 
IN SUMMARY : XXXX XXXX XXXX XXXX XXXX XXXX USED PREDATORY PRACTICES TO WRONGFULLY CHARGE ME FOR A CANCELLED AND UNWANTED SERVICE WITH AN INACTIVE DEBIT CARD, AND XXXX. FROST ( XXXX XXXX ) ALLOWED THIS ILLEGAL DEDUCTION FROM MY ACCOUNT WITH AN INVALID DEBIT CARD WHICH HAD ABSOLUTELY NOTHING TO DO WITH A YEAR-OLD TRANSACTION HOW MAY A BANK ( XXXX XXXX ) ALLOW AN ILLEGAL CHARGE TO BE APPLIED TO A NEW, VALID AND ACTIVE CHECKING ACCOUNT FROM AN OLD, CANCELLED DEBIT CARD?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Formal Complaint Against Experian, XXXX, XXXX, and XXXX for Unauthorized Reporting of Bankruptcy Dear Consumer Financial Protection Bureau, I am reaching out to file a formal complaint against Experian, XXXX, XXXX, and XXXX for severe violations of my consumer rights as protected under the Fair Credit Reporting Act ( FCRA ) and any other relevant consumer protection laws. Specifically, the unauthorized reporting of bankruptcies on my consumer credit reports and/or credit file by these agencies. 

Detailed Complaint : Without my consent and without any prior notification, these credit reporting agencies have listed bankruptcy information on my consumer credit reports. This erroneous information has not only damaged my creditworthiness but has also led to substantial personal and financial distress. The inaccuracies reported by these agencies have resulted in denials of credit, severely impacting my ability to purchase a car and a house. Moreover, the public reporting of such sensitive personal financial information without my consent constitutes a significant violation of my privacy. 

Attempts to Resolve the Issue : Despite my efforts to contact Experian, XXXX, XXXX, and XXXX to correct this misinformation, my attempts have been unsuccessful, and the bankruptcy information remains on my reports. The lack of response and resolution from these agencies has only compounded my stress and mental anguish. 

Sought Resolution : Immediate removal of the bankruptcy information from my credit reports and credit file across all mentioned credit reporting agencies. 
A formal investigation into how this breach of my consumer rights occurred and steps taken to prevent future occurrences. 
Compensation for the undue stress, mental anguish, and financial losses incurred due to the wrongful reporting of bankruptcy information and the resulting denials of credit. 
A written apology from each of the credit reporting agencies for the mishandling of my personal information and the distress it has caused. 

I implore the CFPB to take immediate action on my behalf to address these violations of my consumer rights. Your assistance in this matter is not only crucial for rectifying my personal credit history but also serves as a deterrent against the careless handling of consumer information by credit reporting agencies. 

Thank you for your attention to this urgent matter. I look forward to a swift and favorable resolution. 

Sincerely, XXXX XXXX
Product: Student loan

In XXXX I was going to update my income for the year with navient student loans and then President Biden put a pause on payment so I stopped at that point. XXXX sent me a bill anyway for something like {$2000.00} and then in XXXX President Biden put the pause on payment until 2023 and that again send me a different bill for a little over {$1000.00}. There's {$900.00} there for I don't know what reason there's a charge for late fees but it doesn't explain why and in a regular payment of approximately {$14.00} I can't survive at my age of XXXX pay a house along with inflation otherwise I'll have to live on the street. I need an amount that I can pay that makes sense I'm unlimited income I'm already working a part-time job just to try to make ends meet.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally lodge a complaint against Experian regarding their continued neglect of my requests concerning my XXXX credit card account. Despite submitting all necessary supporting documents, including Credit Card Statement showing a {$0.00} balance with {$200.00} available balance, and a screenshot of my account. Experian has failed to address my concerns or provide any substantial response. 

My understanding Experian was sued XX/XX/year> by your company Consumer Financial Protection Bureau for improperly handling consumer disputes, which resonates with my experience. It is disheartening to see a major credit bureau not adhering to the standards set forth in the Fair Credit Reporting Act, particularly regarding the proper investigation of consumer disputes. 

My attempts to resolve this matter directly with Experian have not yielded any results, and I am concerned about the potential impact this negligence may have on my credit score and overall financial well-being. I urge the CFPB and FTC to investigate this matter further and hold Experian accountable for their actions. 

Thank you for your attention to this issue. I look forward to your prompt response and hope for a resolution to my complaint. 

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

I have fell victim to identity theft we have uploaded all the required documents on 3 different occasions since the beginning of XXXX. I have also called each credit bureau and each time Im told to just dispute the charges. These are not my accounts and no one is helping me get them blocked and the companies arent removing either. Each time they respond or I get them on the phone they state the FTC theft reports are not real because of formatting? And the gray box below the signature that is per of the report looks like marker? but yet they are downloaded directly from the FTC website and they tell me they will just dispute it and then leave the information on our reports! They have ignored the 4 business day FCRA block and I have talked to multiple representatives. The email responses state the FTC is not a legitimate law enforcement agency? Please this is ruining my life and we can not obtain a mortgage due to these fraudulent accounts. I have uploaded theft reports, irs theft reports, dmv crime fraud department reports and letters including letters specifically stating what is fraudulent and letters sent to the providers of the incorrectly reported information.
Product: Credit reporting or other personal consumer reports

i did not authorize or give permission to run my credit to any companies nor anyone at all i would like for you to remove any and all hard inqury off my credit report that iam makeing this complaint on
Product: Debt collection

Today is XX/XX/XXXX. In early XX/XX/XXXX I contacted Truist about their inappropriate opening of an account using my name and SSN. At that time they had indicated that a check was deposited into said account for {$4800.00}. I spoke with a Fraud/ID specialist who indicated that they have recorded the account as fraudulent and all activity reversed and account closed due to ID theft. I am NOT a Truist account holder. Last week I began receiving letters regarding the bouncing of this deposited check, which resulted in an overdraft of said amount. Then I received the " threathening '' letter regarding charging-off this account. This letter is dated XX/XX/XXXX. Today - the XXXX - I have attempted to call Truist to AGAIN clear this matter and after trying 4 phone calls to the fraud/ID theft number and waiting on hold over a collective XXXX minutes with NO answer ( shameful )- I can only surmise that either their phone system doesn't work or their staffing incompetency is overwhelming. 

Nonetheless- this matters needs to be cleared immediately without any negative impact to me, including inappropriate negative credit ratings. Additionally - they opened this account without any proof of ID from me ( as my credit reports have been locked down since I had my information compromised )- and while 4 other banks were successful in NOT opening fraudulent accounts in my name during this same time period - Truist has shown their incompetence in this regard as well. One would think that complying with the law regarding " known your customer '' would be in the forefront of their accounting opening procedures- and clearly it is not in this case. 

The only person I WAS ABLE TO REACH ON THIS MATTER - AS PROVIDED BY THE PHONE NUMBER GIVEN ON SAID LETTER - INDICATED TO ME THAT SHE DOES NOT SPEAK TO CUSTOMERS AND I COULD CALL A BRANCH. SHE THEN GAVE ME A PHONE THAT HAS SINCE BEEN DISCONNECTED - STARTING MY OVER XXXX MINUTES OF MY TIME TRYING TO REACH SOMEONE TO CLEAR THIS MATTER.
Product: Checking or savings account

My daughter had just sent me some money on Chime app and I was logged out of my account so I go on XXXX and look up technical support with Chime and apparently It was the wrong number they was acting like they were techno support So they asked me for a number out of my phone and they got into my phone and start controlling my account to get the password once we got to the password they put in their own password at that point I realized something was going wrong And then a email was sent on pay a friand or pay anyone Once I feel like some suspicious is going on I immediately hung up and they was continually calling me back while my money was yet still in the account I call the real Chime number to ask them how can I close my account and to let them know someone was in my account trying to hack it before the money even left my account After a while I realized a {$1100.00} was withdrawn out of my account and my password was change I changed my email to the account and password It was the only thing that I could do Chime said password was changed again I put in the claim and maybe a hour later the Claim Had denied The claim.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX # XXXX opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  # XXXX - Balance $ XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Balance $ XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX opened XX/XX/XXXX Unauthorized inquiries 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, credit repair services, or other personal consumer reports

15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXX  XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX  XXXX XXXX XXXX ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXXXX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX  XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXXXX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXXXX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX  XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXXXX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXXXX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XX/XX/XXXX Delete this item immediately
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed at these companies to make inquire or view my credit report in Addition I did give Equifax permission to furnish this incorrect information on my credit report. This is a violation of the Fair credit reporting act Section 1681b ( c ) constitutes fraudulent activity and serious breach of my privacy right. Please remove the inquiries from my report. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Capital XXXX XXXX XXXX, VA XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

CREDIT REPORT FILE GENERATED ON XX/XX/2024 XXXXTHE PERSONAL INFORMATION PROVIDED ON THE CREDIT REPORT IS INACCURATE.
Product: Checking or savings account

On XX/XX/year> around XXXX my phone was used to send XXXX unauthorized transfers in a loss of XXXX dollars into a complete strangers chime account while I was at work and my phone had went missing for XXXX hours. I found out once I got the phone back when trying to send money to my mother and it kept getting denied confused as to why it was getting denied I checked my chime account and see that this random stranger had wiped my account by sending different transfers to his own chime account. I called chime immediately soon after I saw the last charge to dispute the charges. My first phone call I was hung up on when trying to get the dispute started. I called back and was able to get the dispute started but was told before I could even get a temporary credit they would have to do an investigation. I sent pictures of the same person trying to create fraud again on my XXXX XXXX by trying to request money from my friends and family through my XXXX XXXX as well as sent a screenshot of the police report that was made. An FBI report was made as well and a XXXX  complaint
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and noticed that there were accounts reporting on there that I do not recognize.
Product: Mortgage

Per Customer service Bank Of America CHANGED Program and  they only taken out minimum payments. I have for the last several years had additional money taken out towards principal. After new programs installed by Bank Of America. Tried to resolve this issue since XX/XX/2020 to date it has NOT been corrected. Try to contact CUSTOMER SERVICE AND THE BANK no one seems to know how to resolved this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX XXXX XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX # XXXX XXXX- Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, and the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Money transfer, virtual currency, or money service

In XXXX of 2018 I had contacted cfpb about this matter, I was awarded back my fees and refund and was told to go back to the station where I had purchased a moneygram in question, I have done so on many occasions and have been told everything from the computers are down to they are selling the business and will be up running soon to now and so I called moneygram and now it says my reference number is in valid and now again I'm fighting to get back my refund of XXXX and moneygram transaction fees, please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX requesting to the Credit Reporting Agencies to remove the Accounts and Inquiries that are UNKNOWN to me. I previously reviewed a copy of my credit report and was shocked to find that there were several accounts and information that I did not open and have no knowledge of. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : Medical ( Original Creditor : ) XXXX Balance : {$39.00} Medical ( Original Creditor : ) XXXX Balance : {$23.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2700.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. In accordance with the Fair Credit Reporting Act section 605b, I request that the Credit Bureaus remove the disputed items off of my Credit File as soon as possible.