23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

This is in direct violation of the predatory multi state Landing class Action Settlement with Santander consumer USA I was denied any type of Extension or relief XXXX XXXX is the number one on the auto loan co sign is XXXX XXXX Santander consumer is trying to remove XXXX XXXX an is not in any bankruptcy! 

Due to the ( multi state class action settlement ) with Santander consumer USA. XXXX XXXX Should be relieved of his day and paid in full for any money spent is a reimbursement
Product: Credit reporting, credit repair services, or other personal consumer reports

I see new inquiry added on XX/XX/XXXX. I did not recognize the inquiry. The new account added to my account on XX/XX/XXXX. I did not recognize the account as well. I do not have the credit card or anything. The inquiry is from XXXX I don't know which compny it is
Product: Credit card

They will remove the account for XXXX  days and then re add to my credit.
Product: Money transfer, virtual currency, or money service

Last XX/XX/year> XXXX approved a wire transfer x XXXX transactions to XXXX XXXX. {$870.00}, {$1700.00}, & {$390.00}. The hackers used my debit card and I discovered it right away within an hour after the transactions were made. I reported it right away to Chase and to the merchant XXXX XXXX. But apparently within XXXX minutes the money was processed. It was supposed to go to XXXX in the XXXX under my sister 's name. I have dealt with world remit for the past 2 years to send money to my sister regularly like once a month or every other month. But this time they used a different account number, different mobile number. XXXX bank sent me a letter that the transactions never went thru because of the discrepancies of the account holder 's information. So Chase denied my claim stating that I did the transactions myself. Why do I have to go thru the trouble of reporting this to the local police dept, Fbi fraud dept, Nevada attorney general, federal trade commission and even to your dept? Please help! I am a retired XXXX yr old with limited income. I could not pay my mortgage and outstanding credit card dues this month because of this
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account name, XXXX XXXX  XXXX, Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .I am writing to request the removal of certain credit inquiries from my credit report as permitted by the Fair Credit Reporting Act ( FCRA ). I have reviewed my credit report and have identified several unauthorized or inaccurate credit inquiries that are negatively impacting my credit score. Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey guys! There are still inaccuracies on my credit report. For example, this account has two different account numbers. Now, If you have already done an investigation, I want to know how you missed an error like this? 
XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX The date of first delinquency is inaccurate. 
The name of the creditor is truncated and unidentifiable. 
The account numbers are incorrect, truncated and unidentifiable. 
The payment history has been reporting incorrectly for many years now. 
There is no notice of dispute. 
And there are at least 3 other issues that I will not name at this point as I would like you to actually do an investigation. 
I do not understand why you wont investigate my account?!!!! What's the problem? You are literally ruining my life by reporting these old accounts that are just burdening the both of us.
Product: Debt collection

Caine & Weiner requested XXXX on XX/XX/2019. I requested Before I proceed with any further actions, I kindly request that you provide me with the necessary information to validate this debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The original creditor 's name and address.

2. The original account number associated with the debt.

3. A detailed breakdown of the amount claimed, including any interest, fees, or additional charges applied.

4. Copies of any agreements, contracts, or documents that demonstrate my obligation to pay this debt. 
XXXX. Proof that your agency is licensed to collect debts in [ your state ]. 

I also want to bring to your attention that I am aware of my rights under the FDCPA. I expect all communication related to this debt to be in compliance with the law. Any violations will be reported to the appropriate regulatory authorities. 

Please note that until you provide the requested information and validate the debt, I consider it disputed. Therefore, I request that you cease any further collection activities, including reporting this debt to credit bureaus, until the validation process is complete. And they have not supplied the information and I do believe that if the information is no accurate and proper verification is not sufficient it needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX, XXXX, and Equifax for their willful noncompliance with federal laws under the Fair Credit Reporting Act ( FCRA ). Specifically, I am alleging violations of 15 USC 1681, FCRA 605B, and FCRA 615F.

I am a victim of identity theft and have repeatedly disputed fraudulent accounts on my credit reports with all three credit reporting agencies ( CRAs ). The negative accounts in question are as follows : 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 Despite providing evidence of identity theft, these agencies and the original creditors have updated the accounts with my current address and phone number instead of removing them, which is a clear violation of FCRA Section 605B. This improper updating suggests that the agencies have failed to conduct reasonable investigations into my disputes.

Following these incidents, I submitted written requests to each CRA, requesting specific methods of verification under FCRA Section 611 ( a ) ( 7 ). Instead of providing any meaningful or account-specific information, each agency responded with a generic overview of their general verification procedures. This lack of transparency and failure to provide details about the specific accounts in question violate my rights under the FCRA.

The actions of XXXX, XXXX, and Equifax are causing ongoing financial and emotional harm. Their inadequate investigation and resolution of my disputes, coupled with their insufficient responses to my verification requests, demonstrate a deliberate disregard for my legal rights.

I respectfully request that the CFPB investigate these violations and take appropriate action to ensure compliance with the FCRA. Specifically, I request that the CFPB mandate the following : 1. Permanently remove the fraudulent accounts from my credit reports.

2. Provide specific verification methods for my accounts.

3. Ensure compliance with FCRA Sections 605B and 615F in handling identity theft disputes.

I have attached copies of my supporting documentation related to identity theft.
Product: Credit card

I had a Chase-issued   XXXX   XXXX   card that had not been used since   XXXX   XXXX    . I received a bill early this year demanding an annual fee. I promptly called to cancel the card, then destroyed it. I just received a bill for {$76.00}, which is {$60.00} for the annual fee, {$15.00} in late fees, plus interest. When I called   XXXX   XXXX   to say I will not pay an annual fee on a card that I canceled, I was told it could not be reversed. I asked for a supervisor and made no headway. He asked if I wanted to reinstate the card. I said no, I do not want my credit rating harmed, but I have no intention of paying an annual fee on a card that I canceled and destroyed. When it became clear that I was getting nowhere, I said I would contact the CFPB.
Product: Credit reporting or other personal consumer reports

Synchrony Bank/Pep Boys has illegally REINSERTED an account that was DELETED and illegally reinserted with blatant disregard for the 5 day notice requirement as provided under the Fair Credit Reporting Act.

I submitted my dispute via CFPB # XXXX on XX/XX/2023 and received a response via CFPB Portal on XX/XX/2023 showing that the account was DELETED. 
The account SYNCB/Pep Boys- # XXXX.was reinserted illegally and I will contact an attorney if it is not DELETED again permanently or I will SUE. 
( Screenshots Attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFBP complaint to you today to inform you as well as the Credit reporting Agencies that I have been a victim of Identity theft. This complaint is my 3rd Complaint informing the Credit Bureaus that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agrncies are required to remove any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. with the provisions of the FCRA section 605b, I am requesting that you remove the following accounts completely from my Credit Report ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXXXXXX XXXX  XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a complaint with the CFPB requesting an investigation on account : XXXX XXXXXXXX # XXXX Account is not in a Charge Off, Maximum Deliquencies is incorrect, Past Due Balance is Incorrect. 

According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following USC Codes have been violated by the credit furnisher : 15 USC 1681i ( 5 ), 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), 15 USC 1681s ( 2 ) Credit furnisher, has not properly furnished my request but has only furnished their generic letter of reinvestigation results. Due to these violations, I am requesting a deletion of the said above account immediately.
Product: Credit card or prepaid card

I had signed up with American Express that had incentive for dollars spent that I will get Delta mileage units. After making several expenses using the card, I had accumulated enough points to book tickets for 2 from XXXX to XXXX on Friday XX/XX/XXXX on flights XXXX   XXXX from XXXX to XXXX and flight XXXX XXXX from XXXX to XXXX for 2 passengers. However, due to personal reasons, on XX/XX/XXXX, I went online to cancel my flights, but DELTA will apply {$150.00} for cancellation per ticket which I wasn't notified when I had booked the ticket several months ago. I had called the Delta rep addressing my issue, but in return they didn't take any action to provide excellent customer satisfaction to see how they can help me pay additional fees which I believe I should have not paid since they are my points and why do I need to pay back more money for points to go back in my account. They were not helpful at all and kept stating it was " according to Delta policies '' and I had mentioned about how XXXX doesn't charge for any cancellation they didn't even want to go above and beyond their competitor to retain customer satisfaction. I am very disappointed in Delta as they didn't clearly define their cancellation policies when I had booked the ticket. I found no value add at all talking to their representative as it was like talking to a robot who can't provide that customer excellence. With this event, I plan not to use American Express and Delta at all!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As previously notified, I am a victim of identity theft, the one account that was opened XX/XX/2016 XXXX XXXX XXXX that has {$0.00} balance is nit my account and I would like it removed from my credit report
Product: Credit card

On XX/XX/year> I was a victim of a credit card scam in XXXX, Illinois. I was sitting outside at a cafe when I was approached by a young man who said he was raising money for his brothers funeral, claiming he had been shot in a driveby. He presented me with a clipboard which had previous donors names and amounts, and I wrote in my first name and {$5.00}. He said I could pay with a credit card, presenting me with an XXXX and card reader. I asked to see how much money I was being charged for, and he showed me a screen which said {$5.00} on his cellphone. As I went to tap, he took my card from my hand, tilted the phone out of view, and tapped my card to the card reader. He gave me my card back and walked away. I immediately received the Bank of America notification stating that I had been charged {$2400.00} and a subsequent alert which asked Fraud detected : Was this you? I said no, because the amount was incorrect. Bofa said they were opening a claim, but I immediately called to speak to a representative. 

I told the agent the whole story, and he said the fraud department was investigating and they would call me if they needed more information. In the meantime, I was given a {$2400.00} credit. He also mentioned that there was a chance this dispute would not legally be considered fraud, but might be considered a bank dispute instead, as I was not disputing the transaction itself but the amount of the charge. Since then, I received no updates regarding the open claim, but the Bofa app said the investigators had everything they needed. When I went to pay my most recent credit card bill, I saw I was being charged the {$2400.00}. 

I called the fraud department again to re-open the claim, as I never authorized a {$2400.00} payment. Its clear that the card reader was linked to a different device, as the screen I was shown said {$5.00}. 

On my XXXX statement, the payment was addressed to an individual in XXXX, Indiana. Now that the fraud dispute has been denied, I see another charge for {$2400.00}, with the same reference number and the transaction type is marked as a fee, and the merchant is described as Laundry Cleaning and Garment Services. This transaction occurred on the sidewalk outside of a coffee shop in a city I dont live in. Why would I be paying {$2400.00} in laundry? Either this business is scamming people, and posing a threat to future customers, or a legitimate business has had their card reader stolen.
Product: Student loan

My husband, XXXX XXXX, received a call from loan XXXX at XXXXMOHELA looking for my elderly mother. Decades ago, my mother cosigned student loans for my sister. My husband has never spoken one word to my sister and has absolutely nothing to do with her. She lives in another state ( IL ). My husband is not working right now because he is in treatment for stage XXXX XXXX XXXX. I know that they also tried calling my father, who has XXXX, and my stepmother, who was in the hospital at the time of the call having suffered a XXXX XXXX. None of these individuals have anything to do with my sister 's loan and are being harassed by XXXXMOHELA . My sister has communicated with them and they are aware of her financial status. They are also aware that my mother has no income other than her social security checks, which they have threatened to take. Nonetheless, they persist in harassing the most ill individuals in the family who have nothing at all to do with it. I am healthy, of sound mind, and standing at the ready to tell them to leave my family alone, but they haven't called me. At this point, I am not sure what to do. I have called them and told them to stop harassing my husband. I am reporting them to you, to the federal trade commission, and to the NJ AG 's office ( my husband and I live in NJ ). I would appreciate any assistance you are able to offer in ending their harassing calls. Thank you.
Product: Credit card or prepaid card

I have disputed my charges 3 times with Capital one on charges for XXXX XXXX XXXX that is a non existing event. I spent {$1600.00}. This event was promoted that it would be held at XXXX XXXX 's XXXX. XXXX XXXX granddaughter was one of the huge promoters for it. We were excited to plan our vacation and we were looking forward to it. Then the announcement was made that the event was NOT going to take place at XXXX XXXX XXXX XXXX. This was devastating news to us, as we were saving and planning our vacations days to attend the ranch. We found out it was canceled due to the XXXX XXXX XXXX owner not meeting his financial obligation. This is when we first disputed our charges due to the event cancelling and there was not a second location announced. Capital One refunded our money then took it back since there was a second venue announced. The 2nd venue was XXXX XXXX In XXXX that was not approved. They then had a 3rd venue was announced then cancelled due to not meeting state requirement. As of today there is not a venue for XXXX XXXX XXXX. Capital one said we disputed too soon and now it is too late. We should not pay for an event ( vacation ) that we planned that is non existing.Capital One has approved refunds to other customers. They asked me to get a claim number and name and that would help my case. I provide that in all the documentation they requested to help my case but still no refund. This event was a scam that has been on the news and well as BBB has confirmed it. I am asking for Capital One to do the right thing and refund our money. I trusted in my credit card company to protect me from fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I called The Office of Consumer Affairs and requested to speak with XXXX XXXX as she is the dedicated person that I used to deal with but failed to return any calls and no one is now able to reach her if she is in. I spoke with another rude representative who initiated a Dispute for me over the phone as I currently do not have online access to my own credit file which needs to be fixed. I get tired of having to call in and deal with rude people. 

Sadly, I also had another account that Equifax reported on the account longer than it should have been and XXXX XXXX was the only one willing to resolve that for me after years. 

I disputed a Collection Account ( XXXX XXXX ) which needs to be removed from my credit file as it already has been from other Credit Reporting Companies. Equifax has a history of keeping things on my credit file for longer than they should be as they have done so with Three reaged XXXX XXXX XXXX as well. Equifax is the only bureau holding on to these accounts. I received a notification via email that one of my investigations had been completed. However, I am not able to view the results, nor have I received results in the mail. My online access needs to be resolved. My file also needs to be removed from Consumer Affairs.