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

I sent a letter on multiple occasions to XXXX, XXXX, and Experian. Here is my tracking number. It has been over 30 days and the credit reporting agencies have failed to send my investivation back. This isnt making any Sense.

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 

XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX XXXX  XXXX XXXX XXXX, PLEASE DELETE!!!!!! 
XXXX XXXX XXXX FRAUD, PPLEASE DELETE!!!!! 

I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence. 

I implore you to take immediate action to resolve this matter within the five-day timeframe mandated by law. 

Please manage your responsibilities accordingly.
Product: Credit card

XXXX XXXX : XXXX # : XXXX I ordered truck tires from XXXX XXXX. They use Flex shopper as payment agent. When applying application ask how you are paid. I put monthly with hopes of paying monthly payments. Instead, as soon as tires were delivered, I was told the agreement is for weekly payments. I explained because account had been hacked, I was changing banks and as soon as I received the debit card and the new account was funded, I would make weekly payment. I was told after XXXX payments it would go to monthly payments. Then I kept being charged to the old account causing overdraft fees for old account and Flex shopper causing me fees on both accounts. Then I asked that old account be removed from account and my new account not be automatically drafted because this company is generating fees from old account, new account, and the Flex shopper account and never providing statement to alert for over drafts. The fees cost more than weekly rental of merchandise. Keep charging payments. I received the merchandise on XX/XX/2023, and as of XX/XX/XXXX, I have paid XXXX payments of {$45.00} overdraft fees of {$29.00} from old account 3 times and now one payment of {$82.00} and now another payment of {$45.00}. 
weekly. Plus, I have been blocked out of the account and can not see if any of the payments have been credited to account for tires. 
I am a service-connected XXXX veteran and all moneys come from department of XXXX XXXX XXXX XXXX and social security.
Product: Mortgage

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2018 with a balance of {$240000.00} which I did not make. I have filed this police report where I stated that I lost my bag with my cards & IDs inside, they advised me to submit a dispute to prevent fraud from happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was a patient in the XXXX  at XXXX XXXX XXXX. 
I later received four different bills, one each from XXXX, XXXX x2, and attending physician XXXX XXXX, all of which were billed to my insurance company, XXXX, and the copay portion to me and paid by me promptly. 

On XX/XX/XXXX I received an invoice for {$200.00} from XXXX XXXX, XXXX on behalf of XXXX XXXX. The invoice indicated that this amount was my responsibility, and I promptly paid the total amount of the invoice with {$0.00} balance. ( See attached copy of invoice as well as copy of my credit card statement showing payment made. ) On XX/XX/XXXX, Wakefield and Associates, instructed by XXXX XXXX, XXXX, wrongfully placed derogatory collections on my credit report in the amount of {$640.00}. 

I hereby demand that XXXX XXXX XXXX and Wakefield and Associates immediately remove this amount from my credit report that I do not owe, as I have paid in full the amount that I was billed by their client, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY ARE REPORTING INFORMATION ON MY CREDIT REPORT THAT IS A RESULT OF IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Product: Checking or savings account

To Whom It May Concern, On numerous occasions, I have reported ATM debit card fraud and theft to KeyBank. The complaints have not been properly investigated nor addressed. Managers at KeyBank have stated that it is " impossible '' for debit card transactions to be fraudulent despite many attempts to reasonably address the issue, which has resulted in {$710.00} of unaccounted for money. 

The following includes a breakdown, by date and amount, of the unauthorized ATM withdrawals at various locations totaling {$710.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX | {$23.00} XXXX | XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ME | {$100.00} XXXX | XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX {$63.00} XXXX | XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX | {$160.00} XXXX | XXXX  XXXX XXXX ATM XXXX XXXX XXXX XXXX XXXX XXXX {$28.00} XXXX XXXX XXXX  XXXX Tg XXXX XXXX  XXXX, ME | {$130.00} XXXX | XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, ME | {$130.00} XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, ME | {$63.00}
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am filing this formal complaint against Experian Credit Bureau for failing to address and correct inaccurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite my multiple requests, the credit bureau has not taken the necessary actions to resolve the issues. 

Below are the details of my prior requests : 1. Request Date : in the year of XXXX and or about XX/XX/XXXX Description : Dispute of inaccurate personal information ( social security number, addresses and name ). I received a letter in the mail from the credit bureau responding that this information can not be corrected. 
2. Request Date : XX/XX/XXXX Description : Dispute of inaccurate personal information ( social security number, addresses and name ). 

Despite allowing the credit bureau sufficient time to investigate and correct the errors, they have failed to comply with the following provisions of the FCRA : 1. Failure to Investigate Disputes : Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit bureaus must investigate disputes within 30 days. These requests were not addressed within the required timeframe.

2. Failure to Ensure Accuracy and Integrity : Per 15 U.S. Code 1681e ( b ), credit bureaus are required to maintain reasonable procedures to ensure maximum possible accuracy in consumer reports.

3. Failure to Provide Timely Notification of Investigation Results : According to 15 U.S. Code 1681i ( a ) ( 6 ), credit bureaus must notify consumers of investigation results within 5 business days after completion. I have not received any such notice. 

The unresolved inaccuracies have negatively impacted my financial standing and ability to manage my credit effectively. I am now seeking your assistance in ensuring compliance with FCRA regulations and holding the credit bureau accountable. 

I kindly request that the CFPB investigate this matter and help facilitate the removal or correction of the inaccurate information. Please let me know if any further documentation or information is required. 

Thank you for your attention to this complaint.
Product: Credit card or prepaid card

I received a billing statement for my credit card with Capitol One, Which is XXXX XX/XX/2022. While viewing the list of my consumer credit transactions I noticed a billing error. Capitol One failed to credit my account properly. I was billed {$500.00} and my Available credit showed {$0.00} when In reality I should have {$500.00} of available credit and a Balance of {$.00} Capitol One being a Creditor failed proper treatment of my credit balance and this is clearly explained Pursuant to 15 USC 1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
Product: Credit reporting

When signing up for XXXX XXXX XXXX Cell phone service on XXXX of 2015, I was told multiple times that XXXX XXXX XXXX would not do a hard inquiry into my credit report and that it would not show up on my credit report or affect my credit score. However, the company did do a hard inquiry. I disputed this claim but Equifax determined within 24 hours and getting no documents from me that it was authorized. However, I have screen shots proving that XXXX claims that they will not do a hard inquiry when signing up for cell phone service. 
I have tried multiple times to contact XXXX ; first by using the number provided on the dispute and then calling all the different numbers that XXXX employees give me. I have not been able to speak to anyone at the company about removing this inquiry. 

On this dispute, I also disputed XXXX 's claim, but the company is working with me to remove it. I am also in the process of contacting XXXX and XXXX for the same problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft please remove this fraud inquiry from my credit repor
Product: Credit card or prepaid card

I have 3 accounts through Synchrony Bank ( Care Credit, American Eagle, and Ashley Furniture ), plus, much to my dissatisfaction, they run Venmo. I was charged a late fee after not being able to access my accounts. I called and resolved it through customer service, but that, in and of itself, was a hassle. I explained to the representative that the website was down for months. I can technically log in with my credentials, but all that pops up after the login is an error page saying the site is experiencing technical difficulties. This has been going on for months now. I cant access my profile information to update my address or email, and I cant see my available credit lines or balances. 
I wrote a complaint on XXXX website in XXXX and someone from Synchrony said they would be in touch. Its XXXX and no one has reached out. Their site is still down. If they had a physical location, I would have already gone, but thats the disadvantage everything has to be handled through a phone call that takes entirely too long. Wait time is awful, and you can tell the representatives are feeling just as burnt out.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 


US DEPT ED XXXX Balance Owed : {$4100.00} US DEPT ED XXXX Balance Owed : {$7400.00} US DEPT ED XXXX Balance Owed : {$4100.00} US DEPT ED XXXX Balance Owed : {$7300.00} XXXX XXXX VA XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER APPLYING FOR A HOME MORTGAGE, I WAS HORRIFIED TO DISCOVER THAT THERE WERE SEVERAL ITEMS THAT DID NOT BELONG TO ME. I REACHED OUT TO THE THREE MAJOR BUREAUS TO NO AVAIL AND ALSO TO THE COMPANY REPORTING THIS INACCURATE ACCOUNT. IT MUST COME OFF.
Product: Vehicle loan or lease

I have a issued with Capital One Auto loan, I was a Co-Signer and The vehicle got Totaled, Capital One had gap insurance to pay it off and they refuse to pay, and I was told I had to pay the remaining balance {$880.00}, that I cant afford to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXXXXXX 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

Of or around XX/XX/2017 I applied for a XXXX XXXX position to apply makeup for the XXXX XXXX XXXX XXXX. I NEVER APPLIED FOR A CREDIT CARD I APPLIED FOR EMPLOYMENT AND THEY RAN MY CREDIT FOR THEIR STORE CARD! During this time I was at the beginning stages of credit repair so I wasn't getting my credit ran for ANY reason! Their inquiry actually did more damage to my already fragile score at the time. I immediately disputed the inquiry by letter AND by phone. XXXX XXXX denied all of my requests. I recently wrote them a letter to remove the inquiry which they denied again.
Product: Credit reporting or other personal consumer reports

Inquiries that are not authorized. I did not authorize these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some accounts on my credit report that are not mine and reporting twice and believe this is an act of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The following accounts 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
Product: Credit reporting, credit repair services, or other personal consumer reports

UNATHARIZED INQUIRY TO MY CONSUMER REPORT DAMAND FOR XXXX SETTLEMENT I recently pulled my credit report and seen two unauthorized inquires on my report ( XX/XX/XXXX, XX/XX/XXXX ). The unauthorized inquires are in violation of the Fair Credit Reporting Act 15 USC 1681. 15 USC 1681b states A person shall not use or obtain a consumer report for any purpose unless 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ) I have never authorized any transactions with JPMCB Card Services As well as I do not have an account as defined under 15 USC 16939 ( a ) with JPMCB Card Services for reviewing of any sort. 
JPMCB Card Services is liable to me in the amount of XXXX for actual damages. I am willing to settle the matter without liability if you comply to my terms. 1 ) Cease and Desist obtaining my private information from the credit reporting agencies without my written consent 2 ) Pay me XXXX and deliver it to the above or address within 10 days of receipt of this demand or XXXX ) Increase my credit line in the amount of XXXX. 
Please be advised that I am prepared to litigate if you do not comply with this demand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, these accounts do not belong to me.
Product: Credit reporting

I found out I had a collection placed on my credit report around XXXX 2015, information appears to be related to an apartment rental at an address that I am not associated with and I disputed as fraud and the credit bureau refuses to remove. I was sent a copy of a lease from the collection agency, but it is not for an address that I have ever lived at and does not appear on my credit report. I have notified the credit bureau of possible identity theft, but the collection has remained on my file. I was never notified by the collection agency prior to this being placed on my credit report, but disputed as fraud and they continue to report.
Product: Credit card or prepaid card

I booked a flight for 3 on XX/XX/19 for XX/XX/19. I called Chase on XX/XX/19 to change two of my tickets return date. I received a confirmation email from XXXX about the changes and was provided the full itinerary. On the day of the flight, we were unable to check in due to part of the itinerary being missing in their system. We called all airlines involved and Chase to figure out the problem. Someone from chase confirmed the person that made the flight change did it incorrectly. We ended up missing the flight and having to rebook a couple days later. Chase admitted it was their fault, and only offered to refund the amount in airline credit if we decide to cancel our trip. They even tried to charge me ticket difference and change fee for rebooking but I convinced them they should pay for it. I believe I should be able to proceed with my trip and still be reimbursed for the trouble that Chase had caused on their end.
Product: Credit reporting or other personal consumer reports

I am disputing fraud on my account none of these accounts belong to me i am XXXX XXXX XXXX i was XXXX XXXX XXXX to open these accounts at the time they were open. I have sent my social and ID card numberous amount of times my XXXX is XX/XX/scrub>XX/XX/XXXX to verfiy that XXXX XXXX XXXX.
Product: Credit card or prepaid card

Between XX/XX/XXXX and XX/XX/XXXX there were over {$4000.00} in fraudulent charges made on my discover Credit Card. Most of which were online through money broking companies ( XXXX, XXXX, XXXX  .... ) Other charges were made by using the card # 's to purchase State Lottery tickets  that yielded the culprit a percentage of the cost of the lottery  tickets. Which was ALL profit, due to the fraudulent use of my card. 

I have had the card for 24 years, and never a problem or late payment. Even when faced with better offers I chose to stay with Discover due to their % 100 money back guarantee concerning non approved charges, Theft, and FRAUDULENT charges.. 

They initially reversed all the charges and sent me a new card ; living up to their claim of having my back % 100. This was last Winter/Spring. They decided to retroactively reinstate ALL the disputed charges .... ( Pause ) .... THE REAL kicker is, I not only was given NO REASONING, I was not given a heads up to the charges either. This has caused so much collateral damage, I have no choice but to take legal action if this can not be settled to my satisfaction.
Product: Checking or savings account

Hello, my mother opened a UTMA account with about {$150.00}, which has now grown to {$190.00}. As per the law, UTMA accounts belong to the minor once they become of age, and the minor is legally required to be the full owner of the funds. I called Santander and they stated that they will not give me any information about this account, or let me have the funds that legally belong to me. Santander is thus violating federal law, and I demand that the account be correctly converted to be an individual account that is accessible, or that it be closed and the funds be sent to me. Illegally violating the law, and holding my money hostage, is not something that builds trust with a bank.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : 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: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 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