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

Back in XX/XX/, I applied for a pre-approved auto loan with my bank, XXXX, but was denied because they were unable to get a credit report. When contacted my bank, they told me that they could not get my report from EXPERIAN. 

At that time, I managed to get a hold of a live person at EXPERIAN, with much difficulty as the phne numbers they provide only take you to automated phone trees. The EXPERIAN agent told me that they did not have my current address on file, so I provided my current address, and thought that was the end of the issue. 

This month, XX/XX/, I again tried to get pre-approved for an auto loan, but my bank was unable to get my credit report. I managed to get a hold of a live person at EXPERIAN, again after many phone numbes with useless phone trees. The agent told me that my information was still not updated, but he told me how to go online and submit documents verifying my identify and current address. He also told me that he would mail me a copy of my Credit Report. 

I received my Credit Report and found that the most recent address EXPERIAN had for me was 10 years old ; nor did they have my current phone number, or any account information. 

I called EXPERIAN again on XX/XX/, and after going through many useless options on an automated phone tree, I got a hold of a live person. All she was able to do was regurgitate information that was on my report, so she transferred me to EXPERIAN 's fraud department. 

The agent in the fraud department told me that my address had a block due to being " fraudulent '', but could not tell me for how long the block had been in place, who had put it there, or why. She told me that I would have to upload documents showing proof of my identity and address ; I told her I already had. She looked it up and said that the ID was blurry and that I needed to put in the comments when I submitted the documents that I wanted to unblock my current address. I asked her how I was supposed to know whether any documents I submitted were acceptable and processed or needed to be resubmitted ; she asked whether I had received an notification that my documents were blurry, and I said, " No '', I have not received anything from EXPERIAN, and if I did not keep calling, I would have no idea whether anything was being done to fix this issue. 

At this point, I am unable to get an auto loan from my bank or the dealership, because they insist on using EXPERIAN. If EXPERIAN charges companies money for providing them with accurate consumer information, then they should be making a better effort to ensure that the information they maintain is accurate. I am now being forced to seek a loan from a third-party lender, who will accept XXXX or XXXX reports XXXX which is not ideal. 

My additional concern, is that even once I have verified my identity and current address with EXPERIAN, they will not have any current credit information on me, since my creditors have apparently been reporting into the ether for the past 10 years - in which case, I will still be unable to get a loan through a preferred lender.
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, the Bureau credit reporting agency , block 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 : Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Mortgage

In the middle of applying for a loan during the underwriting stage, the Loan Officer XXXX XXXX  NMLSXXXX emailed me saying that he nor anyone in the office had time to work on my loan and good luck finding another financial institution. I have also asked for a copy of my credit report. At this time I have neither received my report nor has my request been acknowledged XXXX is employed as a loan officer with : 1st Financial XXXX XXXX XXXX NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Branch Manager :  XXXX XXXX I have also tried to contact the corporate headquarters and speak with the Director of Operations XXXX XXXX and left a message in the general VM box as there was never an opportunity to actually speak with someone each time I called. 
XXXX XXXX NMLS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Director of Operations : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( block , inc ) due to inadequate customer service and unfair practices, which violates the consumer protection financial protection act. Cash App Specifically failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore there dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have previously filed a complaint regarding the negative accounts on my credit report. I have long requested for these to be removed by the XXXX bureaus, but they have yet to take any action on this matter. These negative accounts are severely affecting me, so I am once again requesting their removal. This time, if the three bureaus still do not take action, I will file a lawsuit against them and seek compensation for the damages they have caused me
Product: Debt collection

On XX/XX/XXXX, I found out that there are 2 debt collections and credit card accounts under my credit report which are not mine. So I contacted all XXXX credit bureaus ( XXXX, XXXX and XXXX ) and also all the credit card company and debt collections. The thief used my identity opened accounts : XXXX. XXXX XXXX XXXX : {$610.00}, date opened on XX/XX/XXXX. XXXX. XXXX XXXX XXXX : {$500.00}, date opened on XX/XX/XXXX. XXXX. XXXX 's : {$1300.00}, date opened on XX/XX/XXXX. XXXX. XXXXXXXX XXXX XXXXXXXX : {$610.00}, date opened on XX/XX/XXXX. XXXX. XXXXXXXX XXXX XXXX {$1300.00}, date opened on XX/XX/XXXX. XXXX. XXXXXXXX XXXX : XXXX, date opened on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I know according to the Fair Credit Reporting act consumer reporting agencies have the sole responsibility in reporting 100 % accurate information. Upon looking over my credit report I noticed alot of inconsistencies that aren't 100 % accurate. 

Please Update my consumer report as follows...
Product: Mortgage

Short sale regarding Chase - submitted in XXXX and still do not have any movement - Chase is the XXXX and has been informed there is a foreclosure sale date on the XXXX lien - the file has been escalated with no response
Product: Debt collection

I have a judgement that Velo law office say is a medical debt. They have garnished my wages. I was served a summons in XXXX of 2022 and contacted them asking for copies of said medical bills. They will not give them to me. I have furnished the request both in writing and verbally. They claim that they have never gotten any written communications. I have asked this for months. My employer paid half of this off and I the other half. But they haven't closed the account it still is growing interest and now they are requesting another {$100.00}. I again today asked verbally for the case in its entirety to be sent to me she asked for me to put it in writing and hung up on me.
Product: Credit card

Please complete the form below. Your message is limited to XXXX characters or less. When you are finished, click Send Message. Your inquiry will be sent directly to Customer Service. 

Inquiry # XXXX Status : New Category : Other Priority : Urgent Date of Inquiry : XX/XX/2023 Date Submitted : XX/XX/2023 XXXX XXXX Your Message : XXXX is not posting the payments timely and this caused XXXX XXXX to add a {$29.00} late fee on my account. This is predatory practices. I have exported the transaction history from my bank to show the payments made to XXXX exceeding the minimum payment required ( {$50.00} every XXXX weeks ) and XXXX financing 's delay in posting the payments and then charging me for a late fee due to XXXX financing predatory billing practices. I will be filing a complaint against XXXX financing with FDIC and Consumer Protection Agency if this is not removed from my account. 
From Date Message XXXX  XX/XX/2023 XXXX XXXX I have messaged customer service at XXXX on XXXX XX/XX/2023 XXXX XXXX and have not received a response. Transactions were exported from my bank to show the regular payments sent and the purposeful and predatory delay of posting payments late on my account as payments by mail instead of in house payments.
Product: Bank account or service

Synchrony Bank began to erroneously charge me a fee on my XXXX XXXX account last XXXX. Despite spending hours on the phone multiple times with them, they continued to do so month after month. I finally closed the account a few weeks ago and still have not received a check for the amount in the account. This is unacceptable.
Product: Credit reporting or other personal consumer reports

After numerous disputes I demanded the company furnish details of their investigation and received nothing.
Product: Debt collection

On XX/XX/XXXX I received an email from Cash1 LLC, claiming that I owed {$540.00}. I have never heard of this company and they are claiming that this debt has been owed since XX/XX/XXXX which was the month that someone was using my identity in order to get personal loans..I don't owe this debt because I never signed up or was aware of this personal loan that was taken out in my name with my social security number, I am aware who this individual was that stole my identity and chose not to press charges due to mental illness issues and lack of accountability
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX charges were made on my Citi Bank Credit card, that I did not make or authorize. Citi contacted me via text message asking if charges were legitimate, I contacted Citi bank on XX/XX/XXXX and told them I did not make or authorize these charges. Charges were made at XXXX in XXXX XXXX, La and at XXXX Oh. I have never been in either State nor do I allow anyone to use my Credit Cards. My Identity was stolen in XXXX and I have had several fraudulent transactions attempted in my name, including a SBA Covid Disaster loan. The Credit Card Co is saying I made the charges and wants me to pay the bill. I am getting notices that the bill is past due. I have called the Citi Bank at Least 12 times and this issue is not resolved.
Product: Credit card or prepaid card

Upon a review of my credit report I noticed an entry for credit on bank for a credit card that i never applied for, This is a clear case of identity theft in the amount of XXXX dollars, I never applied for an account yet XXXX XXXX XXXX  allowed someone to steal my identity
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX of XXXX I found furniture on XXXX XXXX and financing was offered through American First Finance. The total cost of the purchase came out to {$2500.00}. There were to be bi-weekly payments of {$200.00}. 

On XX/XX/XXXX I contacted XXXX XXXX and asked if they would take the furniture back after seeing that the payoff doubled. The company stated that they would not accept returns. I called American First Finance. I spoke to a representative that stated if the store would not accept the return of furniture. She gave me the option of donating it to a not for profit charity and uploading a form with the charities tax ID info on it. I stated that I didn't have a truck to take the furniture to the said charity and asked if XXXX XXXX would do the pick up. She stated they would not. 

On XX/XX/XXXX, I called to have a payment deferred since I can not afford to continue to pay on this predatory loan. They rep stated that they could not do a deferrement and offered to cancel the payment scheduled on XX/XX/XXXX. The payment still pulled out on XX/XX/XXXX and I called to see why. I asked for the payment to be refunded as I requested a deferment. The representative placed me on hold and asked when I could make up the payment. I again requested that the payment be refunded and stated that I would like a deferment. The representative explained that the XXXX collection system pulled from my card. 

This is predatory lending and I would like to return this furniture immediately.
Product: Credit reporting or other personal consumer reports

XXXX credit bureau : I wanted to submit a complaint about hard inquiries that have been made to my account without my knowledge. I had no knowledge about these hard inquiries and they are a result of identity theft and I am requesting for them to removed no later than XXXX business days per 15 U.S. Code 1681c2. I will attach a list of the hard inquiries needed to be removed as some are linked to open accounts not all are meant to be removed. The list of the hard inquiries needed to be removed : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Experian credit bureau : I wanted to submit a complaint about hard inquiries that have been made to my account without my knowledge. I had no knowledge about these hard inquiries and they are a result of identity theft and I am requesting for them to removed no later than XXXX business days per 15 U.S. Code 1681c2. I will attach a list of the hard inquiries needed to be removed as some are linked to open accounts not all are meant to be removed. The list of the hard inquiries needed to be removed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX
Product: Checking or savings account

A few years bank Chase Bank opened two checking account 's I believe and two savings account 's they opened two credit cards as well as an auto loan in my name without my permission. The Automobile was returned to the dealer and sold, and I did not open ANY account 's with Chase or It's subsidiaries. Chase previously when I called into their customer service asked me to provide my identity theft affidavit from the FTC. Which I did, Chase Told me they closed the Checking Account ( s ) and Saving Account ( s ) and Credit Cards that I did not authorize. These account 's were opened a few years back at an address I never lived at, I did not present my ID to Chase either, and my wallet and Identification were stolen. Chase, Allowed these account 's to be opened and used from the thief. Chase Bank told me I am not responsible for Identity Theft, Yet Chase has flagged my Social security in their system as having a relationship ended. I never ended a relationship I never started with Chase Bank. Chase Bank has had this flagged on me since they let these account 's be opened almost 8 Years ago. These were opened from Identity Fraud, and The FTC Affidavit which is a legal document was sent to the FBI and my local police department. I do not know these account numbers because I did not open said account 's. I did not receive a debit card, and I did not receive any account opening documents, I did not make any transfers from these account 's and I did not sign any applications nor use these account 's. The number they have associated with it XXXX Is not my phone number and never was. Additionally, Chase bank told me they would remove the flag off my Social Security Number, because I never had any relationship with Chase ever in the past. I do want to eventually Bank with Chase Bank, but I can't because of the account 's they let be opened as Identity Fraud. I want this cleared off my records as the accounts should have been closed out as Fraud. I am a victim of identity theft, and not the fraudster. Chase previously told me by phone from their Identity Theft Department that I was not responsible for these account 's and that they would clear them from my information including the credit cards that were deleted from my credit profiles. With all bureaus. I do not owe Chase anything, as I never opened any account 's with chase. I did not make any Transfers and I did not visit any Chase branches.
Product: Credit reporting or other personal consumer reports

This complaint is in regard to the XXXX lawsuit most recently filed. My last XXXX XXXX file was JXXXX XXXX XXXX, and XXXX lack of investigation of the disputes I placed has negativity impacted my credit score and hurt my chances at credit after the response to my earlier dispute that the accounts were " verified ''. However, I have not seen the evidence from XXXX about my credit investigation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below on my credit report. This account is being reported with errors and inconsistencies that violate multiple sections of federal law. 

Account Details : Creditor Name : XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Type : Collection Account Number : XXXX Balance Reported : {$4000.00} Status : Collection/Charge-Off Violations and Inaccuracies : 1. Failure to Verify the Debt ( 15 U.S. Code 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide verification of the debt upon request. No such verification has been provided for this account, making its reporting invalid.

2. Failure to Cease Communication After Dispute ( 15 U.S. Code 1692c ) : Despite disputing this account, the derogatory reporting continues. Federal law requires communication to cease during the dispute process unless verification is provided, which has not occurred.

3. Inaccurate and Misleading Reporting ( 15 U.S. Code 1681e and 1681i ) : The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to maintain maximum accuracy in their reporting.

This account shows a balance of {$4000.00} and a status of Charge-Off/Collection, which is contradictory and misleading.

No payment history or activity justifying the listed balance has been provided.

Comments indicate placed for collection, yet the balance remains unverified.

4. Failure to Issue a Form 1099-C for Charged-Off Debt : Per IRS regulations, when a creditor cancels {$600.00} or more of debt, they are required to issue a Form 1099-C for tax purposes and report the cancellation to the IRS.

I have not received a Form 1099-C for this account, raising concerns about its validity and compliance with IRS regulations .

5. Recent CFPB Lawsuit Against XXXX : The Consumer Financial Protection Bureau ( CFPB ) recently opened a lawsuit against XXXX, which is reporting this account, for its failure to properly investigate disputes and validate debts. This lawsuit highlights systemic issues with Experians practices and raises further questions about the accuracy and legitimacy of the information being reported in my case. 


Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Dear CFPB, Claim : XXXX XXXX  : XXXX Amount : # XXXX Please help me with a dispute with Chase XXXX Chase is not helping me. They keep the case for so long without a temporary credit and eventually just deny the claim without reviewing the documentations. I originally submit the claim on XX/XX/2022. They gave me a temporary credit right away, however, in late XXXX, they reverse the credit without a notice to me. I called them and they said the merchant provided them with document saying the charge is valid. They without letting me know and give me chance to response to it, closed the case. I then sent in more documents to response to the merchant. I pointed out the non-sense part of the merchant response. Most of this response are automatic and does not answer my dispute reason directly. 

I order a XXXX XXXX from them, and they sent me a XXXX XXXX. I then contacted them to request for a return label and ask them to check the camera to see if they sent me the wrong item. They eventually confirmed me in one email saying that they sent me the wrong item and provided me with a return label to return it. The return label says 3lbs on there for the weight and I questioned them right away. But they explained to me that, that's just pre-label, and every return label for this category of product would say the same 3 lbs since they have contract with XXXX  for cheaper rate. See the documents for your reference. 

I then returned the item. They received the item and never process a refund for me. I dispute with Chase, and they response to Chase that because the item I sent back is 3lbs and the item they sent me is 8lbs, they can not process the refund. In fact, those weight are not accurate since they are all type in number just for the label. Chase got all the documentation and I think those are too clear for them to decide what to do, and it took them 3 months, and they got back to me today denying the claim. I don't even think if they even worked on it. They just denied it. 

Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3500.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$220.00}
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX HM XXXX XXXX