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

I was a victim of identity theft inXX/XX/2016 whereas an application with XXXX XXXX  for 1 credit card became a 39 inquiries and 22 credit cards mailed, applied over and over again. I had my mail and ID stolen for over a year. When contacting the company for over a year I was assured all accounts were closed. I spent over {$600.00} dollars in applications, monitoring services with all credit bureaus. I had over 5 police reports filled and shared with banks, credit bureaus and FTC report in order to stop the abuse. When calling the company it was like I had had never called them to inform of the theft and after the XXXX data breach this closed accounts started showing up in my credit decreasing the credit report from 850 to 450 ; According to State Laws across the nation when such theft occur all account and related credit cards must be closed and removed from the credit report for a period of 10 years. I can no longer afford to spend an average of {$30.00} dollars a month mailing this police report and requesting the removal ad blockage of this cards according with FCRA consumer credit laws.

When you are notified by a CRA that a consumer 's identity has been stolen, you have specific duties under the FCRA. FCRA 605B ; There was a failed to communicate information within each phone call, each mail of police report.

After reaching the toll free number and speaking with 28 representative they couldn't locate most of the credit cards through the social security number, and I was told : __ Wait there is another consumer with the same name and same accounts but your social security number does not match. That is when the XXXX XXXX XXXX was announced nationwide.

That said, the whole experience was rattling. I can't imagine what a mess it might have been if I had not inadvertently checked the account day by day and spent {$300.00} a year in monitoring services with the credit bureaus, and if additional charges were racked up, wiping out the account, credit cards showing up in the mail after a year.

My vehicle registration, my auto insurance with XXXX   and personal mail were also affected by the mail theft ; When you are notified by a CRA that a consumer 's identity has been stolen, you have specific duties under the FCRA. FCRA 605B.
Product: Debt collection

Resurgent Capital Service ( RCS ) is trying to collect a debt but failed to provide the debt validation notices.

RCS is not the original creditor and purchased the debt from a credit card company or companies for less that what I owed.

I am being forced to pay the full amount of debt instead of what they paid to purchase the debt from my creditors.

There is no transparency and need them to provide me with this information in order to validate the debt.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Information on Credit Report by Experian Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for failing to accurately report information on my credit file. Despite my efforts to address the inaccuracies, Experian continues to report incorrect information, and this has negatively impacted my credit score and financial situation. 

The specific accounts that are being reported inaccurately are : XXXXXXXX XXXX XXXX XXXX ( listed twice ) XXXX XXXX These accounts contain incorrect information that has been disputed multiple times without resolution. I have contacted Experian on several occasions, but they have not corrected these errors. I am requesting that the CFPB investigate this matter, as I believe Experian is not fulfilling its obligations under the Fair Credit Reporting Act to maintain accurate information on my credit report. 

If this issue is not resolved promptly, I will pursue legal action against Experian for failing to ensure the accuracy of my credit report. 

Thank you for your attention to this matter. 

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

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX  XXXX Account # : XXXX High Balance : {$3600.00} Account Name : XXXX XXXX XXXX XXXX Account # : XXXX High Balance : {$3600.00} Account Name : XXXX XXXX XXXX XXXX Account # : XXXX High Balance : {$3600.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX High Balance : {$44000.00} Account Name : XXXX XXXX  Account # : XXXX High Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX High Balance : {$22000.00} {$22000.00} Account Name : XXXX XXXX  Account # : XXXX High Balance : {$3500.00} Account Name : XXXX XXXX Account # : XXXX XXXX High Balance : {$0.00} {$4300.00} ccount Name : XXXX XXXX XXXX XXXX Account # : XXXX XXXX High Balance : {$160.00} {$160.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$360.00} {$360.00} {$360.00} XXXX  XXXX  Account # : XXXX XXXX High Balance : {$6900.00} {$6900.00} Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$260000.00} {$260000.00} {$260000.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX High Balance : {$17000.00} {$18000.00} {$17000.00} Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$1800.00} {$0.00} {$1800.00} Account Name : XXXX XXXX Account # : XXXX High Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX : done XXXX XX/XX/XXXX : done XXXX XXXX XXXX XXXX XX/XX/XXXX : done XXXX XXXX XXXX XX/XX/XXXX : done XXXX XXXX XXXX XXXX  XX/XX/XXXX : done XXXX XXXX XXXX XX/XX/XXXX : done XXXX XX/XX/XXXX XXXX done XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX : done XXXX  XX/XX/XXXX XXXX done XXXX XXXX  XX/XX/XXXX : done
Product: Credit reporting or other personal consumer reports

Subject : Fraudulent Accounts Reported on My Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding fraudulent accounts on my credit report, which were reported by TransUnion. Despite notifying TransUnion that these accounts were fraudulent, their investigation was completed quickly, and I am dissatisfied with the outcome. I have also contacted the creditors involved, including XXXX XXXX, XXXX XXXX, and XXXX XXXX, in an attempt to resolve this issue. 

None of these creditors have my correct address or email address on file, which further proves that I was not responsible for opening these accounts. I have taken all necessary steps to dispute this fraud, and I believe the investigation was not thorough enough, as my personal details were not accurately reflected in the accounts reported. 

It is unfair that I am left with these fraudulent accounts on my credit report, as they do not belong to me and were opened without my consent. I am requesting the CFPBs assistance in resolving this matter, as the current situation is negatively impacting my credit report and financial well-being. 

Thank you for your attention to this issue. I look forward to your assistance in ensuring this matter is resolved. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX
Product: Debt collection

I have contacted XXXX as they have allowed someone to open not ONE but TWO accounts under my name and social and I have repeatedly told the last collection agency it was fraud and it was removed. As I never had an account with XXXX XXXX  bank and never authorized anyone to use my information. Now I have yet ANOTHER debt collector on my credit report attempting to collect the same stuff as this is a FRAUDULENT ACCOUNT. I should not have to deal with my credit and life being shot repeatedly by the same fraudulent account with different companies. This is unethical and very much illegal when its been KNOWN that this is FRAUDULENT. MIDLAND has been contacted and nobody has done anything and this is still on my report. REMOVE ME OUT YOIR SYSTEM AND OFF MY CREDIT REPORT!
Product: Credit reporting or other personal consumer reports

My information has been obtained. Ive been seeing multiple requests to open accounts in my name. This information isnt factual at all and fraud. Delete this information from my credit file immediately.
Product: Credit card or prepaid card

I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAPITALONE with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Product: Credit reporting or other personal consumer reports

I would like to add 20 USC 1232g ( b ) to start off with my complaint.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

There were several XXXX XXXX XXXX XXXX transactions from XX/XX/XXXX to XX/XX/XXXX that were unauthorized, i spoke to several agents, and given a guarantee my funds would be back in my account within XXXX hours. i have not seen those funds and this is for claim number XXXX, there was also a {$20.00} XXXX XXXX claim, that i got scammed with, and my financial institution with words of " XXXX liability if unauthorized or fraud '' is not giving me my money back, and i want a report on them, because i need this money back for bills, they can take it quickly, but they cant give it back quickly? please have Wells Fargo return my funds to me promptly!!!! i will not wait XXXX  days for this when i was promised and spoke to multiple supervisors and account managers that said i would have this back within XXXX hours of filing! i am ready to get a lawyer for this one! if need be!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure XXXX XXXX percent accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX, XXXX.
Product: Debt collection

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I don't believe the information to be accurate, and please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX FL, XXXX You did not confirm BANK OF AMERICA # XXXX According to the FCRA, accounts that have been disputed by the consume must be notated as such. Your failure to investigate this account, and notate it as such, is a violation of the Fair Credit Reporting Act. Please remove immediately
Product: Credit card or prepaid card

Found out on XX/XX/XXXX that my credit card through Chase was declined. Called Chase that day explained the issue and talked to multiple people. Many didnt know why. Was told that I failed to fill out XXXX forms that they had sent ( SSA-89 and W-9 ). I was never alerted electronically ( email, text, app ) that my account was going to close due to these forms. Ive also never had to fill out these forms for any other credit card Ive had. 

I was told i could provide these forms to a chase branch. I traveled to a local chase bank later that day. The employees there were confused about what was required. They said that they couldnt accept the forms I had filled out. They had someone call their credit card office. After being on hold for too long, the bank employee gave up and told me to call them myself. 

I called Chase the next day explains what had happened. I was told I could make an appointment to hand over the forms and that this might lead to my account being reopened. I went online and made an appointment with a different branch and wrote down that i needed to submit a couple of forms. I get a call later in the day from the branch telling me that they dont deal with credit cards. I was told that I could send these documents online via the app. 

So I went on the app and went to the document upload link. There, it only let you upload forms for a dispute. Since this was the only option available, I selected it, gave a made up claim number, and uploaded the documents, hoping someone would get it and know what to do. 

This did not seem to work, and I have gotten a couple of letters informing me that I need to fill out the enclosed form if I want to change my name. Not what I was looking to do. 

I called Chase again on XX/XX/XXXX. I told them that my account was closed due to not submitting the forms, and that i wanted to open another account. After XXXX transfers, I was simply told that it would not be possible, due to the card having a promotion and that they didnt want me to take advantage of that promotion twice. They could not issue me a card without the promotion.

So Im stuck with a closed account with a lot of points, and possibly no way of reopening. Most of the people I talked to were unsure or thought it was possible. I feel that myself and the employees are uninformed as to what happened and why.
Product: Vehicle loan or lease

I have a loan with Ally Financial for a XXXX XXXX XXXX. I paid {$6500.00} in XX/XX/XXXX to 'pay ahead ' as I knew I had some financial constraints happening in the beginning of XX/XX/XXXX. In XX/XX/XXXX, I was notified that I was past due for my XX/XX/XXXX payment. When I asked why, I was told due to no payment being received since XX/XX/XXXX. When I explained what I had attempted to do, I was told their company does not recognize 'pay ahead '. I asked why I was n't past due for XX/XX/XXXX or XX/XX/XXXX and no one could give me a reason. I scraped for the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments each of these months, all they considered 'late '. In XX/XX/XXXX, I paid off the loan, less what I thought late fees were. On XX/XX/XXXX, after speaking with an 'offshore ' rep and Supervisor, I was transferred 'onshore ', where I spoke with two reps, all the while arguing to speak with an 'onshore ' Supervisor or Mgr. I was finally transferred to a Mgr line and was told she was n't available and I would have to leave a message. This Mgr called me back within 15 minutes and after listening and empathizing with me, she said she would put this in for late fees to be removed. She also promised me a return call with in the next few weeks. In XX/XX/XXXX, I called and spoke with a second 'onshore ' Mgr, who said the fees were not waived ( which I knew ) and said she would look into this further and call me back. To this day, I have not heard from anyone. I attempted today to call in and requested the number for the customer advocate for Ally, this number was refused to me without my account information and then the rep hung up on me. I would like this to be reviewed to have late charges waived and my credit bureau updated. At this point in time, I will not consider Ally for any future loans. I am beyond upset and frustrated with their non-compliance of my requests. I have worked for several banks and have NEVER promised a customer something I have not followed up on. **I am including my ssn in place of the account # as I am completing this at work and do not have the account # with me.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX 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

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment that has been reported on my credit file. After reviewing my credit report, I noticed an inaccurate late payment listed on my account that I believe is incorrect. I have reviewed my payment records and I believe this reported late payment is an error. 

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

On XX/XX/2021, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, On XX/XX/2021, I submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after 8 months, I review my updated credit report and I noticed that Experian updated my address, but they did not remove the inaccurate addresses ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) so I am now, taking the extra step, because I really these addresses off of my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent XXXX  XXXX  a letter asking for proof of contract provide me with a certified copy of an authenticated original contract with my signature. They have not done so under the frca all unverified accounts must be promptly deleted. By XXXX  XXXX  publishing this inaccurate and unverified item on my credit report they are damaging my reputation and creditworthiness. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX may presume that no proof of the alleged debt for therefore any such debt, in fact exists.
Product: Vehicle loan or lease

Purchased car from us auto XX/XX/2022 Made car payments to us auto until XXXX account was transferred to XXXXXXXX XXXX XXXXXXXXit is now a different higher number now then when payment.Seems like they have no history of any payments I already made to us auto or payment was wrongly applied.Payment is being applied wrongly now hardly anything is being paid to principal only interest this will affect to keep in debt
Product: Credit card or prepaid card

I XXXX XXXX am disputing the transaction that settled on XX/XX/XXXX XXXX in the amount of XXXX. When I went into XXXX XXXX  on XX/XX/XXXX at XXXX to do an over the counter withdrawal the teller XXXX XXXX informed me after swiping my card twice that the transaction did not go through. I told her my netspend account showed the transaction was pending from XXXX XXXX  in the amount of XXXX. The branch manager XXXX XXXX then informed me that the transaction would automatically fall off because the funds were not taken on there end. She promised me the funds would automatically reverse. The next day around XXXX am I noticed the transaction from XXXX XXXX  showed it had posted and the funds were taken out. At this time I went back to XXXX XXXX  to show them the transaction had settled they told me the funds were not collected on there end and I needed to file a dispute. This was my money from my XXXX payroll deposit. I am without money at this time. I go to this bank every Wednesday to do this same over the counter withdrawal if you check my records. I have XXXX small kids and am now without any money. Please fix this the cash was not given to me and I have the e-mail I sent to the branch manager XXXX XXXX advising her that the amount had settled and was taken. I am attaching the e-mail below. I have been with netspend along time and have never had this happen. I was also provided with chase reference cancellation number XXXX Please fix this! 


XXXX XXXX XXXX standing XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX
Product: Credit reporting

Experian said they do not require information from the company reporting the debt but they asked us to prove it? How is that Fair? This account is Not suppose to be reporting on my husbands or my account. Please see the attached letter from my attorney indicating they are not allowed to practice collection activities in the state of NJ. Please remove this item from my report.