23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX A DEBT BUYER, HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C 1681. ABSOLUTE RESOLUTIONS INVESTMENT WAS SOLD MY PERSONAL INFORMATION BY THE THE ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS. 

15 U.S.C 6802 1 ( a ) ( b ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report an account named XXXX XXXX on my credit report even with proof that it is a result of identity theft. The company is located in the state of Georgia and I am located in the state of Michigan. During my investigation of this account it was determined the dates that this company alleges this account was opened I am seen on toll booth cameras in the state of Michigan. I have previously disputed this account and provided proof it should not be included in my file but the credit bureaus keep saying the account is verified as accurate. This is my final attempt to get this account removed. I have sued Experian XXXX, XXXX, and the company in question. Since there is pending litigation this account should not be reported, I will give each credit bureau 7 days to turn over whatever proof that may have to verify this account is lawfully mine. If no such evidence is received I will pursue legal action and use each dispute I have filed over this last year to prove I have asked each credit bureau to comply with the law. If I am forced to file a lawsuit I will add in legal expenses. You are data furnishers that receive information second hand but you will be the one held liable.
Product: Credit reporting or other personal consumer reports

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a personal credit card account opened : XXXX XXXX XXXXXXXX {$18000.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX. XXXX {$9700.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$1000.00} I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, 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, 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX Dispute of Debt and Civil Liability for Negligent Noncompliance Under 15 U.S.C. 1681o To Whom It May Concern, I am writing to formally dispute the validity of the debts associated with the above-referenced accounts, which your companies have reported and/or attempted to collect. I believe your actions constitute negligent noncompliance with the Fair Credit Reporting Act ( FCRA ) 1681o, which establishes civil liability for failing to comply with its provisions. Basis for Dispute and Noncompliance Allegations : 1. Failure to Verify Debt I previously requested proper validation of these debts, yet your companies have failed to provide sufficient documentation proving their legitimacy. 2. Inaccurate or Misleading Reporting Despite lacking proper validation, your companies have continued reporting these accounts to credit bureaus, causing harm to my credit profile. 3. Failure to Conduct a Reasonable Investigation Upon disputing these debts, I expected a proper investigation, as required under the FCRA, but no adequate response or corrective action has been taken. Under 15 U.S.C. 1681o, negligent noncompliance with the FCRA makes your companies liable for any damages I have incurred due to these violations, including any legal fees required to rectify this matter. Requested Actions : Provide full validation of these debts, including signed agreements, payment histories, and proof of your legal right to collect. Cease all collection activities until verification is completed. Correct or remove any inaccurate, unverified, or outdated information from my credit reports. Failure to comply with these requests may leave me with no choice but to pursue legal remedies to protect my rights under federal law.
Product: Checking or savings account

On XX/XX/XXXX I received an email from what looked like a Chase bank email asking me to restore access to my account. After opening that email fraudulent transactions to binance occurred for a total of {$700.00} dollars after trying to open a claim with chase 3 times they deny the claim and removed the provisional credit of {$700.00} and continue to tell me to take {$700.00} as a loss due to the fact that the transactions are being traced to my IP address on my phone. Ive spent more than 3 weeks trying to find answers for how I can get my money back and every person chase has made me speak with tells me something different. I am a XXXX XXXX I work hard for my money risking my life to save others this is completely unfair and chase doesnt care to understand there customer after almost 10 years of banking with them
Product: Mortgage

In  XXXX  of  2015  I received a letter from CORE ADVISORY GROUP saying they could help me with my mortgage. they offered a huge principal reduction of  XXXX  and a decrease in monthly payments as low as  XXXX . Their fee was  XXXX . I had about 20 days until my next court date to prevent a default judgement and a sale date on my home. I paid the money to CORE. CORE then connected me with another person to help writing letters on my behalf to the bank. The bank offered me a modification with no principle reduction and no huge monthly low rate as advertised. I contacted CORE and was told since I was offered a modification their job was done. I talked with  XXXX ,  XXXX , and  XXXX   XXXX . CORE never showed up in court as promised on the phone.   They stopped taking my calls. CORE misrepresented their sevice s. CORE ADVISORY GROUP is a fraud. I am still seeking help.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details  : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

Some accounts on my credit report are reported with incorrect or outdated information, and this is damaging my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a XXXX  XXXX and a Fraud Alert on my credit reports, we 're military and move a lot and my information has been compromised and used before. I called Equifax to tell them I did n't authorize a few inquiries on my report, and that I needed them to validate the inquiries to prove that I did n't authorize them.! Equifax originally told me they would erase the inquiries, however there still on my report. I want them removed immediately. The inquiries are as followed. XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX on several different occasions XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting an incorrect coding of the XXXX   - account number XXXX. This account is being coded as an XXXX when actually this needs to be coded as an XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report a few weeks ago and I noticed I have accounts on my credit report that don't belong to me or I never authorized. I notified my family lawyer and he instructed me to file a complaint with the CFPB 1st. The following accounts are fraudulent and are not mine and need to be deleted from my credit report. XXXX/XXXX  XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX XXXXXXXX. Also these inquiries are fraudulent and not mine and need to be deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX. Also on my personal information my Address is : XXXX XXXX XXXX XXXX, Texas XXXX and my Employment is XXXX XXXX XXXX XXXX XXXX. Please correct my information, none of the other personal information applies to me.
Product: Mortgage

My name is XXXX XXXX XXXX. I was purchasing a home in XXXX Georgia through Quiken loan as the finance company. After giving Quicken. All require documents which they approved. They also set a closing date. They then ask me for ID. And I send it to them. After they notice that I was not born in this country. They denied my loan. Meanwhile Ive live in the U.S. for 50, years and work the same job, for over 25, years making {$160000.00} XXXX dollars annually. Plus I already owned 2, home one of which is a rental property in XXXX XXXX XXXX value at XXXX, XXXX. Did these people discriminate against my XXXX, or my XXXX XXXX. Or both. The lady who was doing the loan quit, and called me personally to Apologize for what happen to me. And ask me if I got the loan. Which I did in record time because I wouldve lost the house. They were other people who wanted the house. If any lawyer wants to take up this case please contact me at XXXX. Thank you.
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. 
XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Type XXXX XXXX XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/2020 XX/XX/2020 Reference # : XXXX XXXX XXXX Closing Date : XX/XX/2020 Asset Amount : {$0.00} Court : US BKPT CT XXXX XXXX XXXX Federal U.S. Bankruptcy Court Liability : {$0.00} Exempt Amount : {$0.00} ) 15 USC 1681 section 602 A states i have the right to privacy. 15 USC 1681 section 604 A section 2 : it aslo states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 ( 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.
Product: Debt collection

I contact affirm about this debt everything time i call they are trying to update my inform to the profile. they cant pull an account up with my social or dob. i was able to get the truth in lending documents and neither was my signature or info was on documents. nor could they verify the card that was use for the down payment and the card wasnt mine.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

Hi, I was made aware that an account was opened with my information sometime last year. I had followed up and opened an identity theft claim with Td bank Recovery department which advised me the investigation would take 90 days. It's been over a year and still nothing seems to have been resolved or updated. XX/XX/XXXX of 2025 I contacted the recovery department which advised em that not update has happened on their end and advise they would contact the fraud department to see why nothing has been updated and i'm still being held responsible for this account and the balance on the account. It seems like when she spoke fraud department they stated that the investigation had already been closed and not sure why I didn't receive a correspondence or a update over the phone in regards to the resolution of this claim. The fraud department and recovery department then advised that the global security department was suppose to communicate the results and that no debt is owed and that the account was labeled as fraud and identity theft but neither. has been done. No results were given to me. I want this updated since I was advised the investigation was closed on my favor this debt balance removed from my information and report. swell as to td banks recovery team. as I've stated its been a year and a couple months since I've been dealing which this issue and nothing seems to be updated other systems after it being resolved with the global security department
Product: Bank account or service

Wellsfargo hit me with over XXXX overdraft fees and excess account fees within XXXX months. I called to see if they would be able to reimburse any of the fees back to me and was unsuccessful. They could n't help me. I even asked to close my bank accounts and customer service told me to call back tomorrow.
Product: Credit card or prepaid card

We hired home depot to renovate our kitchen in XX/XX/XXXX. We used their offered 24 month 0 % financing promotion and put the full amount on the Home Depot credit card. For the first 6 months, no interest was charged. However, after 6 months we started getting interest charged. Apparently a 6 month promotion was attached to the account and not the 24 month promotion as described in the signed contract. Because we had it on auto pay - {$1000.00} per month, it took me a while to realize this - roughly XXXX months. In the last 18 months I have called at least 6 times. On 2 occasions, I eventually spoke to a " credit supervisor '' who assured me all the finance charges would be removed and the incorrect 6 month promotion would be modified and corrected to the correct and agreed upon 24 month 0 % promotion. I have a recorded phone conversation of the 2nd conversation from XX/XX/XXXX where the representative assures me the promotion will be correct/backdated to the original date and all the accrued financial charges will be removed. When there were not changes made, I called again on XX/XX/XXXX and was assured it would be taken care of within XXXX days. As of XX/XX/XXXX, we had paid the full amount of the kitchen renovation and other purchases without paying any of the interest charges- so by my math the balance on the card should be {$0.00}. I called again on XX/XX/XXXX after again no changes were made to the account and spoke to a supervisor who told me the promotion had expired so the finance changes could NOT be removed. I went back and forth but no progress even with the complete lack of logic. I told her I have a signed contract the specifies a 24 month 0 % finance promotional period. She told me the request was being denied from higher in the company and gave me a po box to write a letter to explaining the full situation - to " The Executive Response Unit '' XXXX XXXX XXXX XXXX XXXX 
I have also use the messaging system on the Home Depot web site on 3 occasions where I explain everything that has happened and included a link to my XXXX XXXX for the signed contract dated XX/XX/XXXX. One response was completely off topic and the most recent response was that the promotion had expired so we owe all the interest from the 18 months - at this point that is about {$9000.00}. So complete disregard for the signed contract, in fact not even acknowledging the existence of the contract.
Product: Credit card or prepaid card

XXXX  has been non-compliant with removing the unverified account SANTANDER CONSUMER USA XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SANTANDER CONSUMER USA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit card

On XX/XX/year>, I began having issues making my payments on my Chase credit card. I reached out to them and asked for their help, but they did not give me any options but to pay what I could. But soon after I could no longer pay anything, and this credit card went into default and then to collections. The total pay off for this credit card is {$4200.00} and when I contacted them to offer a settlement of {$1200.00}, they declined the offer and stated that this would remain on my credit report until paid in full.
Product: Debt collection

XX/XX/2015 I was notified by my employer that my wages were being garnished by a company called Gurstel Chargo PA. I had no knowledge of any debt with this company or the Plaintiff, XXXX XXXX. I 've never been to court before or been sued so I was unaware of what I was supposed to do to fight it. This company garnishes my wages for the next XXXX paychecks, they took XXXX % of my check for a total of over {$1800.00}. In XXXX 2015 my employer sent me a " Notice to Discharge and Release Garnishee ''. I assumed that was the end of it and I 'd never hear from them again. On Tuesday, XXXX XXXX I received notification from my employer that the exact same company was garnishing my wages again for the exact same case number but for an additional {$150.00}. My employer called this company and told them that I had already been garnished, but they had not received the proper paperwork to send the money. I was told it must be filed in the court before the money is paid from my employer to the Gurstel Chargo. Gurstel Chargo stated that they did n't file their paperwork on time so they are refiling the garnishment, my work was to return the money to me and they would start over with an additional {$150.00} in interest from the last year because they did n't complete the paperwork in time. I went to the courthouse and filed a dispute and request for hearing, in turn having to pay {$230.00} to do so to fight this. I was never given notice of this " debt '' prior to the garnishment, nor was I given a chance to clear it up prior to them taking a huge chunk of my paycheck. I was never served with any documentation to prove such a debt or even notify me that I owed money and needed to pay it. To this day I still have no idea what this is for.
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 Accounts : XXXXXXXX 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 XXXXXXXX has violated my rights. ' 15 U.S.C 1681 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the 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.