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

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX and I am filing this complaint for false reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax are still reporting my auto loan with XXXX XXXX account number XXXX as open even though i paid in full on XX/XX/21 its already been almost 30 days and there still reporting this account as open it needs to be removed immediately from my credit file since I paid in full satisfactory
Product: Payday loan, title loan, or personal loan

XXXX XXXX  was approved online for a loans for {$4000.00} I never went in to sign anything everything was online now they saying I owe {$5300.00}. They charged outrageous interest and fees
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you have broken the law. You unlawfully reported unauthorized accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681B, the permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated identity theft pursuant Title 18 USC felony punishable 1028A. You have knowingly transferred a felony punishable with up to 2 years of imprisonment in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692G and my instructions are for you to delete these accounts immediately. 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: Mortgage

Escalation is advisable.

Complaint Type : Financial Misrepresentation & False Reporting by U.S. Bank Representatives Breach of Fiduciary Duty & Failure to Adhere to GAAP Compliance Failure to Provide Lawful Proof of Consideration ( FRE 301, UCC 3-305 ) Unlawful Handling of Consumer & Fiduciary Disputes Under CFPB Oversight What Happened?

U.S. Bank previously responded to CFPB complaints using false claims and misleading statements. 
XXXX, an unauthorized bank representative, responded to the CFPB without fiduciary authority, assuming the right to make legal determinations.

This response was a misrepresentation of fact and law, violating GAAP, UCC, and fiduciary accountability.

Instead of escalating to fiduciary review, the bank issued deceptive statements to CFPB, creating systemic failure in compliance.

Evidence & Supporting Documents Prior CFPB filing reference number XXXX ( submitted complaints & responses ).

Certified records of communication and bank failures.

Legal demand for fiduciary engagementnot internal corporate response.
Product: Credit card or prepaid card

I am permanently opted out of prescreened credit card offers yet Synchrony Bank emailed me a prescreened credit card offer for Gap stores. I do not shop at Gap ; have not given Gap my email address in several years and did not ask for anything related to this offer.
Product: Credit reporting or other personal consumer reports

lam writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reporter the theft of my identity to the Federal Trade Commission and also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Checking or savings account

A credit in the amount of XXXX was issued from XXXX, my former insurance company, on XX/XX/XXXX.  The credit should post this week. Once posted, I need a check sent to me. Due to status of my account, I am unable to withdraw funds. The dept handling account works off a voicemail and does not return calls. Numerous messages have been left in the past, not one call returned. The balance on account is currently XXXX, not including credit in the amount of XXXX due to post shortly. I've called Capital One numerous times, referred to another department that only has a voicemail, as stated before. They do not return calls. I need a check sent to me for balance on account plus any outstanding credits.
Product: Money transfer, virtual currency, or money service

I was the victim of a scam and coerced into wiring {$210000.00} from my Chase bank account on XX/XX/XXXX. I realized I was scammed and reported the fraud to both Chase bank and the beneficiary bank, XXXX XXXX XXXX XXXX never released the money to the scammer after I reported the fraudulent activities. XXXX XXXX said they would return the funds to my Chase account once a " Hold Harmless Letter '' was received from Chase Bank. I contacted Chase bank more than six times both via written secure messages on the Chase online account, verbally via phone and in person at branches. The Chase Customer Service reps claimed the Hold Harmless was sent to XXXX multiple times. On XX/XX/XXXX Chase notified me they had closed the case and didn't mention anything about my previous communications with them, nor the Hold Harmless letter they promised to provide. 

My {$210000.00} is still held in XXXX XXXX and waiting for the Hold Harmless Letter from Chase bank to return to my account at Chase bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : 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: Debt collection

I called ERC debt collection and paid in full the debt owed in the amount of {$540.00} in which I had to fight them for a receipt. Then when they sent me a letter confirming that they were going to do a goodwill deletion letter the debt they was dragging their feet on it. Once I filed a complaint with this organization. To reiterate against me I just received another letter from ERC now claiming that I owe an additional {$96.00} which I do not the amount in which I paid was {$540.00} to pay the debt in full with a goodwill deletion and now they are demanding additional payment in which I am disputing and what to bring there unfair debt collection practices to your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate wrong and incorrect names wrong address and unconsented inquiries that are posted on my credit profile. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 
It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once.

The resolutions of what need to be I would like this removed from my credit profile it has caused me hardship and causing me to lose opportunity 's I would like this done at once 15 U.S. Code 1681b - Permissible purposes of consumer reports This bill amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from making any consumer report containing information related to : ( 1 ) a medical debt ( arising from the receipt of medical services, products, or devises ) if the date on which the debt was placed for collection, charged to profit or The Bureau of Consumer Financial Protection ( Bureau ) is issuing this compliance bulletin and policy guidance ( Bulletin ) to remind debt collectors of their obligation to comply with the Fair Debt Collection Practices Acts prohibition on false, deceptive, or misleading representations or means in connection with the collection of any debt and unfair or unconscionable means to collect or attempt to collect any debt, and to remind consumer reporting agencies and information furnishers to comply with the Fair Credit Reporting Acts accuracy and dispute resolution requirements, including when collecting, furnishing information about, and reporting medical debts covered by the No Surprises Act. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My username and password did not work and the phone number in Experian 's system is outdated so it couldn't be used as an alternative means access. I sent them all of the information that their website said was needed to resolve this and 3 months later, have not heard from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account reported is inaccurate. Multiple disputes and furnisher will not update record. Balance and history incorrect. Account closed, balance {$0.00}, paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

As dated XX/XX/2022, Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Consumer, am aware that according to Federal Law 15 U.S. Code 1605 ( a ) 15 U.S. Code 1605 - Determination of finance charge - That the Finance Charge is a sum of ALL CHARGES.

Im aware that Truth In Lending Act makes it VERY CLEAR that The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. 
So, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Im aware according to our agreement that you signed XXXX XXXX XXXX XXXX, that the finance charge to me XXXX XXXX XXXX ) is {$20000.00} and if the finance charge is a sum of all charges, payable directly or indirectly can you please explain in the words of XXXX XXXX XXXX XXXX how is possible for me to be ever be Late on any payments? And why are not all my payments being furnished as On Time on my Consumer Report. 

Thanks in advance for your timely response, Respectfully, XXXX XXXX, Federally Protected Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get access to my credit report via XXXX but also through XXXX XXXX. Neither recognizes my social security number and personal information that I have provided. I tried to call XXXX but never made it through the phone tree to obtain any help. XXXX XXXX indicates I should " fix '' my information which I don't know how to accomplish. 
How can I determine what information the credit bureau uses and convince them, that they may have wrong information and get things fixed?
Product: Credit reporting or other personal consumer reports

Please assist in deleting these items from my credit report XXXX days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Product: Money transfer, virtual currency, or money service

I deposited {$50.00} with Coinbase. I made {$38.00} in transactions. There should be {$11.00} left in my account from this deposit. My balance is {$0.00} USDC. 

Further, the balances detail on Coinbase says I have {$17.00} available. If you add up the assets, the total value is not {$36.00}. The balances of each asset ads up to {$19.00}. 

They ghosted my money and they are absolutely NO HELP in retrieving it. I did not send USDS to anyone. I deposited money, used the Coinbase card for 2 transactions, and withdraw {$13.00}. Thats it.

I want my money back.
Product: Credit card or prepaid card

Hello, I have 6 synchrony store cards which are current or paid in full. 2 cards has been closed by synchrony with no explanation and I had to call to have them send an explanation. The 2 cards are for XXXX and Lowes. I did advise synchrony in 2022 when i was laid off of my job and was out of work from XXXX, but was managing my accounts so that they would not default. My lowes card was the first card they closed and last month my empire card was closed, which this account was never late. These closed accounts has been reported negatively on my credit reports.
Product: Money transfer, virtual currency, or money service

I was making a purchase online with the online banking card XXXX XXXX with the current app. The products never were delivered and I made an attempt to tell them this was as simple a fraudulent advertisement and they said the dispute team had to review my order. It usually took a couple business days to be refunded but I didnt know it would literally take more than XXXX  days when I made the dispute on XX/XX/XXXX. I spoke to XXXX representatives XXXX and XXXX who could not or wouldnt provide a XXXX. They also said the dispute team would contact me but the last time they sent me email the link they provided on my update status was not working. XXXX XXXX trying to understand why XXXX cant trust this company to provide me with info on the progress of my business transactions and why no XXXX has been notified. They constantly have me hold and end the call. They keep telling me it should take XXXX days to dispute when this purchase was made by me with an illegitimate merchant. Who you cant contact. The dispute department is very unprofessional for not expediting this situation and making a good judgement call on behave of their consumer. I would like to know why its in the terms that XXXX cant get a faster response time making me wait on my own earnings is not customer friendly.
Product: Mortgage

My account was sold from XXXX XXXX to Rushmore XXXX  XX/XX/XXXX. Prior to this transfer, I contacted Rushmore in XX/XX/XXXX to explain that I was being assisted through the Hardest Hit Fund for mortgage payments. I was told that there was nothing to do at that time because there was no loan number to research and that I would be receiving a welcome packet with the loan number. In XX/XX/XXXX, Rushmore was still unable to provide any assistance due to the account not being transferred to their office. In XX/XX/XXXX I started to receive foreclosure letters, approximately three in total when I was advised by Hardest Hit  that they were in contact with Rushmore and was awaiting documents from their office to resume payments. 

I would like this harassment to stop immediately. This is the beginning with a new servicer and I am extremely stressed that this is starting to be a repeated pattern as before with XXXX XXXX XXXX. 

Hardest Hit emailed me an update on XX/XX/XXXX, that my loan will be brought current on XX/XX/XXXX in the amount of {$1900.00}. According to Hardest Hit, this confirmation was also sent to Rushmore XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lender : Santander Consumer USA Date Opened : XX/XX/XXXX Loan Amount : {$23000.00} Date Closed : XX/XX/XXXX Amount Paid in Full : {$23000.00} As of XX/XX/XXXX Santander Consumer USA has yet to assist with accurate reporting, after Account was Closed and Paid As Agreed, as well as reporting derogatory items Foreclosure/ was a repossession. After numerous disputes dating back to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my report and verify accounts that should not be reported as late payments since I always make sure that I am paying on time. I demand these accounts be updated and remove the Late Payment notice. Attached below are the accounts I am reporting : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was offered a credit card through XXXX XXXX. The card was from XXXX XXXX. Located at XXXX XXXX XXXX XXXXXXXX Utah. XXXX XXXX. I never heard Back From Them So I decided to call XXXX XXXX  at XXXX. 
The Inquiry was mede by them in my credit report. When I spoke to them they stated they had no information on me and I explained I did a full application. The customer service replied you will have to go ahead and take care of this yourself then hung up on me.
Product: Credit reporting or other personal consumer reports

I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) due to willful negligence and non compliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C. 1681 and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore, the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX has repeatedly called & tried to " XXXX '' me into paying a debt, I never incurred to " XXXX XXXX '' Even after I sent their attorney, a letter disputing any & all " bogus '' charges, their representative continues to call threatening to sue me, even at one time trying to disguise himself as a lawyer. Calling me an " XXXX '' on this last call ( XX/XX/2021 ), I finally blocked their number which is ( XXXX ). 
After reviewing their comp [ any, this is a pattern they use with many consumers. The representative of this company, disguises himself as an attorney and/or someone from a law firm TRYING to " XXXX '' me into paying, something I DO NOT OWE, threatening to sue, calling derogatory names. Something you would see on a playground or in movies as a " shakedown '' Please investigate this company, so others will not have to go through this kind of conduct. Thank you for your cooperation in this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I pulled my XXXX Credit Report from all three Bureaus ( XXXX, Equifax, and XXXX ) and found out that my personal information ( Name & Address ) was being reported wrong and that my Credit Report had inaccurate and incomplete credit information. I then sent XXXX, Equifax, and XXXX a Personal Information Update Letter on XX/XX/year>. 
I received responses from Two of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax ) on XX/XX/year>, verifying their information XXXX replied via their website, Equifax via Mail, and XXXX XXXX No Response, and my Credit report still had personal information ( Name & Address ) was being reported wrong and my Credit Report still had inaccurate and incomplete credit information. I then sent XXXX, Equifax, and XXXX another Personal Information Update Letter on XX/XX/year>, and My 1st Dispute Letter for the inaccurate and incomplete credit information being reported. As of XX/XX/year>, I have not received any response from all three Bureaus ( XXXX, Equifax, and XXXX ). So, I sent XXXX, Equifax, and XXXX another Personal Information Update Letter on XX/XX/year>, and My 2nd Dispute Letter for the inaccurate and incomplete credit information being reported. On XX/XX/year>, I logged into my XXXX XXXX account to monitor my XXXX XXXX and Equifax profiles, and XXXX XXXX has started reporting a debt owed to XXXX XXXX XXXX XXXX in the amount of {$630.00} on the XXXX XXXX XXXX without any validation of this debt.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of a dismissed bankruptcy and associated late payment remarks from my credit report. Despite previous attempts to address this matter, I have not received a satisfactory response, and the inaccurate information remains on my credit report. 

The dismissed bankruptcy, which occurred [ XX/XX/2023 ], was ultimately resolved and dismissed [ XX/XX/2023 ] by the court. As a result, it should not be reflected on my credit report as it inaccurately portrays my financial history. 

Furthermore, any late payment remarks associated with this bankruptcy are also inaccurate and misleading. These remarks do not accurately represent my creditworthiness or financial responsibility, as the dismissal of the bankruptcy indicates a positive resolution to the situation. 

I have sent in attached documentation confirming the dismissal of the bankruptcy for your reference. I kindly request that you promptly investigate this matter and take the necessary steps to remove the dismissed bankruptcy and associated late payment remarks from my credit report. 

I understand the importance of accurate credit reporting and its impact on my financial well-being. Therefore, I urge you to prioritize this request and provide me with confirmation once the inaccuracies have been corrected. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of the dismissed bankruptcy and late payment remarks from my credit report. 

Sincerely,
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681e - Compliance procedures ( ACCURACY OF REPORT ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. produce all documentation everything associated with account Produce original contract and auction receipt payment insurance loan insurance XXXX XXXX