23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

A credit was applied from XXXX to my credit card account, dated XX/XX/2017. On XXXX, I used XXXX, on the CitiCard website and asked the credit balance amount, approx {$750.00}, to be sent to my bank account. This is the same bank account used to make payments for the credit card use. I was told it would begin processing on the next business day, XXXX. I called CitiBank on XXXX asking for the status of the credit balance refund request and was told the refund was initiated on XXXX. They could not explain why it was not initiated on XXXX even though I had not used the credit card since XXXX. I do anticipate the credit balance refund to be applied my bank account by approx XXXX based on their timing shared, on the second request. 

It seems the credit card company, in this instance a bank too, failed to execute the initial credit balance request and waited nearly 6 days, 3 business days, before they supposedly initiated the refund process. In the meantime, the bank continues to earn interest from my credit balance owed and I 'm sure thousands of others too. If indeed the refund request was initiated on XXXX, which I doubt since they lied to me on the first request, why should a bank/credit card company be allowed to hold a credit balance, in this case for 11 calendar days? 
1. When a customer has a credit balance for longer than 5 days, the bank should be automatically contacting the customer on how to proceed to refund the credit balance. 
2. My account history shows I requested the credit balance refund on XXXX, and therefore should have been processed on the next business day, XXXX. 
3. Credit card companies should not be allowed to delay a credit balance refund request if the credit balance is over a certain amount -- example {$250.00}
Product: Credit reporting

Hello, I have been a victim of False Impersonation. I have a copy of my police report on file with the XXXX Police Department and I have a case number that I received from the FTC when i registered a claim with as it relates to the fraudulent activity. In addition all XXXX major credit bureaus have a certified copy of my police and a fraud affidavit. With that being said, i was advised to request a Freeze from the credit bureaus to prevent further fraudulent activity. I did for about two years. It was my understanding that no one would be able to access my credit unless i provided them with my access code. I received written confirmation in the mail that my credit file was BLOCKED from all XXXX bureaus. 

However, my complaint is the Equifax said they blocked my file but they still allowed unknown/authorized creditors have access to my credit file and add inquiries to my credit history. I have requested the UNAUTHORIZED inquiries be removed and instead of Equifax investigating and ascertaining the matter they said my investigation was complete after XXXX hours of receiving my dispute ... .. they said Inquiries are factual data??? 
My point is what was the person of my file being blocked if UNAUTHORIZED person/persons still had access to it? 

I am requesting the XXXX inquires be removed from my history XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Transunion, XXXX XXXX XXXX the credit reporting agencies, block all information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This theft has also resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account or hard inquiries as reported. The aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

My identity has been stolen. Theres multiple disputes. Here are the following companies my identity was taken. I have cases on all these companies and disputes. 

( 1 ) XXXX ( 2 ) XXXX  ( 3 ) XXXX XXXX ( 4 ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE XXXX keeps reporting the incorrect dates on my credit report. I surrendered my lease on XX/XX/2021 but they say I was late in XXXX and XXXX of XXXX and XXXX of XXXX, payments that never happened, while I was on time on other payments that I was late on. 

Please see attached payment schedule of all payments made FROM XXXX that lists actual payments made that do not list any payments due on those dates and show correct late payment dates, as well as letter from XXXX showing when car was surrendered, as well as photos showing correct payment reporting. XXXX TransUnion is incorrect. 

This is an FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX have consistently violated my federal rights for going on over a year now. It has gotten to the point I have had to hire a lawyer. I have tried to communicate directly with XXXX, Experian and XXXX and show them in writing where they have violated federal law and still they have refused to acknowledge these laws. The federal laws XXXX, Experian and XXXX has chosen to ignore are 15 USC 1681b as well as 15 USC 1692g. I have sent certified letters, I have sent screenshots of the laws they have violated, I have asked for proof which is required according to federal law, and they still have not complied. I advise XXXX, Experian and XXXX to cease and desist collecting and reporting the accounts until they have provided and supplied the full, thorough details surrounding their reasoning for keeping the accounts on my report against my wishes as a consumer. This is not only harming my credit report, it is also harming my chances of owning a home. XXXX, Experian and XXXX should not be allowed to get away with breaking federal law and that is why I am here in hopes that these accounts be removed from my credit report. Once their reinvestigation is complete, I would like for XXXX, Experian and XXXX to mail me a copy of my new and updated credit report pursuant to 15 USC Chapter 41. 

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

account XXXX First Federal Credit Control is not able to provide any signed correspondences showing that this provider was to turn accounts over to collections and/or bill. The company has yet to provide proof of this alleged debt, which the dates and/or services along side alleged debt is being disputed. Per this dispute along side the fact that First Federal Credit Control can not provide reasonable evidence that this debt is owed, this needs to be off my credit report.
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. 

The account name : XXXX XXXX XXXX Account Number : XXXX The account name : XXXX XXXX XXXX Account Number:XXXX The account name : Portfolio recov assoc Account Number : 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 states a consumer reporting agency states a consumer reporting agency can not furnish without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions and crimes which antedates the report by 7 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 that
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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX 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 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: Debt collection

Greetings, I received today a collection notice from Penn Credit Corp., alleging that I owe {$380.00} from a service date of XXXX XXXX, 2018, for a purchase of " ordered merchandise '' from XXXX. It is Penn Credit ID # XXXX. 

I never made this purchase from XXXX. I have never purchased anything from XXXX in my life. 

Thank you for any assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my most recent credit report from XXXX, I noticed that the XXXX, XXXX, and XXXX accounts from XXXX were reported by both XXXX and XXXX XXXX XXXX. This looks like 6 delinquent on my report. The accounts were fraudulently opened anyway, but its even worse that its been reported double.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

In accordance with Fair Credit Reporting Act these accounts have violated my rights XXXX XXXX XXXX -- XXXX XXXX XXXX XXXXXXXX XXXX XXXX U S DEPT OF EDXXXX -- XXXX U S DEPT OF EDXXXX -- XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXXXXXX -- XXXX US DEPARTMENT OF EDU -- XXXX US DEPARTMENT OF EDU -- XXXX 15.U.S.C 1681 section 602 A . States that 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
Product: Credit reporting or other personal consumer reports

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 XXXXXX/XX/year> please remove these accounts from my credit report per 15 USC 1681b 15 USC 1681 ( e )
Product: Mortgage

Quicken Loans mailed me a notice that claimed I was prequalified to refinance my home mortgage. ( My mortgage is currently with another lender. ) The notice claimed " You 're already prequalified to refinance your home loan at a low, 30-year fixed interest rate of 4.125 % ( 4.273 % APR ). This lower rate could reduce your monthly mortgage payment to {$1500.00}! '' The claim clearly indicates that my current mortgage rate is higher than their rate and that my monthly payments would go down with this refinance. They even mention my current approximate mortgage balance in the advertisement which gave me the impression that they have my current loan information from my recorded mortgage or credit report. However, my current mortgage rate is much lower ( 3.25 % fixed for 30 years originated in XXXX 2012 ) and later in the fine print they also planned to charge me 1.75 % in points to get their higher interest rate. The P & I payment they quote of {$1500.00} is slightly lower that my current P & I payment of {$1500.00} but they are re-amortizing my current balance over a new 30 year period to achieve that $ XXXXmonth savings! This refinance would cost me considerably more interest over the term of the loan despite the lower payment. Clearly, their claims are not in my best interest and are deceptive ; particularly, their claim that they will lower my interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor reporting falsely on credit report stating account opened in XXXX  would like investigation into this matter.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/year>
Product: Debt collection

This complaint is about the dispute letter I sent to XXXX  on XX/XX/20 about a medical bill on my report. The account is # XXXX for {$160.00}. I sent a dispute letter to XXXX  telling them to verify these collections and if they could not to delete this from my credit report immediately. They verified the debt with no proof of documentations at all to show it belongs to me. Also I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. I never gave permission to the creditor or company to release my medical information to XXXX. I would like this deleted from my report.
Product: Debt collection

The company that threaten to sue me is called XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX. They threaten to take me to court if i did not pay for an auto loan that was repo in 2018. The company that I have gotten the loan from is Santander based in Texas. I just gotten a letter in the mail stating that Santander has been sued by New York State for wrongfully over charging people interest on their loans. This was sent to me by the State District Attorney. I wanted to know if I have to still pay the loan back if the loan was illegal in the first place in the State of New York?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a hard inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX, Ok XXXX was pulled in order to put a collection account for delinquent rent from a lease I co-signed in XX/XX/XXXX on my consumer report. Section 604 of the FCRA provides that a consumer reporting agency may furnish a consumer report only for specified permissible purposes. The hard inquiry does not constitute a permissible purpose for XXXX XXXX actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the following inquires from the companies below. These companies obtain my credit report without my consent : These lenders have accessed my credit file : XX/XX/XXXX Bank Credit Cards Inquiry date : XX/XX/2021 XX/XX/XXXX Auto Financing Companies Inquiry date : XX/XX/2021 XX/XX/XXXX Auto Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/2021 XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/2021 XXXX XXXX XXXXXX/XX/XXXX Auto Financing Companies Inquiry date : XX/XX/2021 XX/XX/XXXXAuto Financing Companies Inquiry date : XX/XX/2021 XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2021XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating 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. 

These are the accounts Ive marked inaccurate XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous attempts to address the fraudulent items on my credit file. Despite our prior correspondence and my persistent efforts, it appears that the fraudulent items have not yet been removed. 

I kindly request that you escalate this matter and undertake all necessary steps to thoroughly investigate and remove these fraudulent items from my credit file. Transparent communication regarding the progress made and the actions being taken to resolve these issues would be greatly appreciated. 

I understand that addressing cases of fraud can be complex, but it is essential that we work together to expedite the resolution process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory outcome. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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: Vehicle loan or lease

I purchased my leased vehicle. The pay off was a little over {$30000.00}. I mailed in a check for {$25000.00} from XXXX XXXX XXXX XXXX and a cashiers check from XXXX XXXX  for {$5000.00}. Chrysler Capital claims depending on who I talked to that day either they lost the XXXX check or that I never sent it. After XXXX or so calls, I was told if I dont send them {$5000.00}, they will keep the {$25000.00} check and repossess the truck. I had to borrow money and go without food to send them another {$5000.00} as you have to wait XXXX  days to do a stop payment on my initial cashiers check from XXXX XXXX. XXXX  days was up this Monday the XXXX XXXX XXXX. Turns out Chrysler Capital did in fact cash that check when I sent it and misapplied the funds. They had the money the entire time while accusing me of never sending and saying they will repo the truck. Now, they wont give me the {$5000.00} back until they can find the money and get it back from the wrong account. I dont see how their XXXX XXXX  is my fault making me wait longer. This seems like theft and bad faith. All while falsely accusing me of not sending them the money.
Product: Credit reporting or other personal consumer reports

. I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a XXXX, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these XXXX actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the XXXX and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a debt through an original creditor, XXXX. I paid the debt via Afni 's website on XX/XX/2019. I paid the full amount of the debt {$200.00}. I have sent letters requesting that this debt be removed from my credit report since I am no longer liable for this account. 

I currently have AFNI and XXXX XXXX reporting on the same dates on the same account. According to law, you shouldn't have 2 collection accounts reporting on the same account. 

This is severely hurting my credit and I am unable to buy a home for my family.
Product: Debt collection

This is concerning a car accident that occured when a mechanic working on my car test drove it without my permission. I was deemed not liable due to not driving or even being present at the time of the accident. National Commercial services has been calling me with recorded messages and have recently began to send notifications by mail. I have sent them XXXX cease and desist letters via certified mail and they still contact me.The accident occured on XX/XX/XXXX of 2016.They are attempting to collect 13,000 dollars from me that I do not owe and have been deemed not liable for by my insurance company.The liable party is the mechanic who was driving the car who has not been responsive.
Product: Credit reporting or other personal consumer reports

Experian Report XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have not lived at this address or applied to live at this address as stated on my credit under personal info is wrong by Experian. 

Experian needs to provide proof of a said mortgage, Rental Agreement, Contract of this said information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX