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

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 at XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$960.00} Amount {$960.00} Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1600.00} Amount {$1600.00} Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX Recent balance {$3100.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Recent balance {$250.00} Date opened XX/XX/XXXX Account name XXXX XXXX  Account number XXXX XXXX Recent balance {$1900.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$150.00} Date opened XX/XX/XXXX Account name XXXXXXXX XXXX Account number XXXX XXXX Recent balance {$460.00} Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX XXXX Recent balance {$450.00} Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 XXXX, XXXX as proof from the US 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 card

XXXX XXXX XXXX XXXX SYNCHRONY BANK closed and charged off a store credit card XXXX XXXX XXXX XXXXXXXX in my Name. SYNCHRONY BANK states they own the account, but they do not own my information in said account. SYNCHRONY BANK proceeded to sell my information to XXXX XXXX XXXX XXXX without my written permission ; constituting identity theft as well as well as violating the Gramm-Leach-Bliley Act as SYNCHRONY BANK is a financial institution who is to remain compliant with the FTCs Gramm-Leach-Bliley Act. XXXX XXXX XXXX now has all my Nonpublic information. And per contract law, XXXX, XXXX has no enforceable contract with me.
Product: Credit reporting or other personal consumer reports

a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.

( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency.

( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported.

accordance with the fair credit act first progress, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE
Product: Checking or savings account

I filed a dispute due to an on-line hacker scam, that tricked me into paying out $ XXXX dollars via XXXX, which is a Person to Person payment utility supported by Financial institutions. While it is an electronic transaction ( EFT ), it is not governed by Reg E - Customer Protection on EFT transactions. BofA is attempting to recover my funds, but they do not issue provisional credit and will take the full 45 days to investigate. I have also filed a police report ( XXXX ) with the XXXX Police Department, Officer XXXX XXXX, XXXX ; ( XXXX ). Also at issue is XXXX- they have NO direct access for consumers to report issues. They only have an on-line form to submit a complaint. My friend 's XXXX account was hacked and taken over and she had no ability to access and notify others of the scam she was subjected to. In hindsight, I realize I should have called her to confirm but since she was replying to me about the purchase of the truck, I had no reason to believe it wasn't her. Until this morning when I realized it was NOT her.
Product: Credit reporting or other personal consumer reports

This account from XXXX XXXX # XXXX was found to be fraudulent and the company has sent request for this item to be removed, and experian has not, this is affecting my ability to recieve credit and is in direct violation of my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires are UNAUTHORIZED, OR HAVE NO LEGITIMATE PURPOSE AND MUST BE REMOVED : 1 ) XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , OH XXXX ( XXXX ) XXXX THERE IS NO WRITTEN AUTHORIZATION AND NO BUSINESS RELATIONSHIP. 
They requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2 ) XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX They requested on XX/XX/XXXX I HAVE NO BUSINESS RELATIONSHIP WITH XXXX XXXX XXXX. 

3 ) XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX NO VALID COLLECTION ACCOUNT EXISTS They requested on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In the month of XXXX, I received a letter from XXXX XXXX XXXX XXXX telling me that the institution will be sending me a new one credit card. I don't remember the reason, but I do remember that I was kind of confused because my card wasn't expired and I haven't report any suspicious activity neither.I believe in the month of XXXX I received my new card. 

After that I received a letter from the bank telling me that my monthly payment was pending. I was surprised because I have all my credit cards in monthly automatic minimum payment set up, but, since they sent me that letter, I checked my account and noticed that my minimum payment for {$89.00} dollars had been already processed. I thought maybe the letter was only a mistake and I disregarded the notification. 
For me, my auto-payment set up was in its place. 

On XXXX the XXXX, I received an email from XXXX XXXX and another from XXXX letting me know that I had a 30-day late payment reported to the credit agencies.

I immediately called the bank asking the reason for this action against me and the person on the phone told me that the bank had unsettled my automatic payment because they changed the credit card company that manages the bank credit card department.

When I asked why I was not notified about that change in my set up payment made without my consent she said that she didn't know. That maybe was because they changed my credit card number. I told her that that is not a reason to throw away my set up, letting my payments uncovered without any notice.

Then I asked her if they unilaterally undo my automatic payment, why they automatically processed XXXX payment on XX/XX/XXXX for {$89.00} dollars in the same account making more confusing the situation for me? 
Her answer was that maybe the former company used for the bank received the payment because I had my set up payment and after that, they decided to send the payment to the new company in charge. They just made it once but maybe they can't make it again. 

I asked her : Are you serious? so that means that the bank and its credit cards companies have been doing whatever they want with my account without my acknowledgment then, suddenly they change my set up, they stop transferring payments between then and at the end they do not process my XXXX payment and decide to report my account with a 30 days late payment? 
On top of that, the bank is charging me two late payments of XXXX each. 
Her response was that she can't make nothing and recommended me to place this complaint on the credit agencies. This is what I'm doing now. 

For me, this is unfair. I was never notified that once I receive my new card, I had to make any new set up for my payments and I didn't do it. 
My payments history was clean and nice until now. 
My score credit was affected with XXXX points in XXXX day and I need this error to be fix. 
I'm asking this bureau for your help in this matter.
Product: Vehicle loan or lease

I applied for a {$10000.00} auto loan at PNC Bank where I have a checking account on XX/XX/XXXX in good faith to purchase one of two XXXX XXXX vehicles that were recently advertised by a XXXX dealership in XXXX, California and a private party in XXXX XXXX, Arizona. Less than 5 minutes after I left the bank to go by to my work location at XXXX XXXX XXXX I received an email notification that my application had been rejected. When I called the bank the next day the employee at the bank claimed that the bank had done their " due diligence '' when coming to a decision to deny my loan application. I am XXXX XXXX XXXX and collect Social Security while working full-time at XXXX XXXX XXXX  XXXX I believe my age played a role in my loan application being denied. There are no records of any soft or hard inquiries from PNC Bank for the month of XX/XX/2023 when I applied for a loan. My disdain for this bank and its disrespect towards me should not be tolerated and now executives from the bank are trying to contact me to talk about what happened and the way I was treated. This is no way to treat loyal customers.
Product: Mortgage

My lender is asking for 2019 Tax Returns which I already explained to them that I do not have them because I am only receiving SSI. They keep on asking for a document that does not exist and holding up the approval for foreclosure assistance because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The New XXXX XXXX XXXX XXXX  Website is Here AXXXX XXXX   XXXX Shop smarter by taking advantage of all the featured offers Alert : Change to your credit file detected, XXXX XXXX  Experian to me 7 hours agoDetails Experian Membership ID # XXXX   Member Sign In XXXX , please review your alert Credit file There's been a change to your Experian credit file.

Click for details Image Image Don't forget If something looks incorrect on your Experian credit file, dispute it in our Dispute Center and well review it.

File dispute XXXX XXXX XXXX XXXX XXXX XXXX   XXXX This email was sent because it contains important information about your account. Please note that if you have previously unsubscribed from Experian CreditWorks Basic, you will no longer receive newsletters or special offers. However, you will continue to receive email notifications regarding your account. To ensure that youll receive emails from us, please add XXXX to your address book.

Privacy Policy XX/XX/2018 XXXX XXXX XXXX. XXXX is a trademark of XXXX XXXX XXXX.

XX/XX/2018 XXXX XXXX, an Experian company. All rights reserved. XXXX XXXX XXXX XXXX, TX, XXXX, US Experian Reply Forward XXXX XXXX XXXX Conference on " Integrating Spirituality, Mindfulness and Compassion in Me ...

JXXXX XXXX XXXX XXXX No Images? Click here XXXX XXXX XXXX Email Blast Powered By XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Like Share Forward Preferences | Unsubscribe This is the problem when requested to " unsubscribe '' with Experian marketing, promotions and charges for further credit reports was not a follow response that my email will be removed only that Experian is aware of a unsubscribe will continue send emails against a consumers wishes! If there others out there experiencing an like this I have file a compliant about this breach and imposed continued harassment of unwanted emails that needs investigation and amendments to respect others right to privacy instead still using it as a source of public records invasion, too!

Thank you for this time to respond to these wrong doings!

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

Several letters sent out and company contacted on XX/XX/XXXX. For the inquires shown on my report. XXXX XXXX XXXX PA XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 2021
Product: Payday loan, title loan, or personal loan

1. Previously, I filed complaints XXXX, XXXX, and XXXX. 

2. Since then, the call back that I was promised several times that I was supposed to receive from a supervisor has not arrived - yet another lie by Klarna. 

3. Also, it has now been nine hours since the Klarna chat wrote that a specialist one be available in " one moment, please. '' Another lie. 

4. I spoke with Klarna agent, who put a hold on the combined Financing Payment for the two XXXX XXXX loans for which Klarna continues to demand payment despite the fact that I have already made the minimum payment. 

5. However, despite the payment hold, the Klarna App is still demanding that I " resolve '' the returned payment, and thus make a payment for {$75.00}. Also, it is stating that I can make no more purchases until the payment is " resolved ''. 

6. Basically, Klarna is attempting to threateningly strong-arm me into making a payment that is not due. Even though there was a returned payment, there was a second payment that went through : one successful payment is sufficient ; the return of the second payment does not cause the necessity to make a second payment. 

7. I am currently on the phone with Klarna agent XXXX ; and supervisors are continuing to refuse to speak with me. She says they will contact me " shortly '', but that's what previous agents have said and I've now been waiting nearly 24 hours total. Other agents said by 6 p.m. and that was a lie.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( XXXX ) require rectification : XXXX XXXX XXXX open XX/XX/XXXX {$430.00}, XXXX XXXX XXXX, XXXX open XX/XX/XXXX {$1000.00} remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past XXXX months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit card or prepaid card

Citibank credit card XX/XX/XXXX XXXX XXXX XXXX NY {$1200.00} XX/XX/XXXX XXXX XXXX XXXX NY {$56.00} I was on vacation in XXXX from XX/XX/XXXX to XX/XX/XXXX and I had this credit card with me. On XX/XX/XXXX I saw 2 charges that I did not recognize, I contacted citibank via online chat since I could not call while out of the country, they told me to call customer service when I got back to file a fraud dispute. After I filed the dispute, they told me to wait 3 billing cycles, I did not receive any information/requests from them during this time. I called back in XXXX to check on the status of this dispute and they told me that the case was closed and I had to pay for these charges because the card was in my possession and the emv chip was used. The representative also told me that I was mailed a new card in XXXX but I never received it. I offered to send me a copy of my flight confirmation and sent it to a email that they provided. They reopened the case and told me to wait 1-2 billing cycles but I heard nothing from them until I called today XX/XX/XXXX to check on the status again. The representative told me that the case was closed again and provided me the same response that the emv chip was used so they determined that I used the card, which I don't understand since I was not even in the US at the time. I can provide the flight confirmation again but I'm not sure if I should do it on the website since it says do not include personal information.
Product: Credit reporting or other personal consumer reports

Inquires from companies that I did not authorize. Also, accounts that I did not open.
Product: Student loan

I have been attempting to get {$10000.00} from a loan that I already paid to Edfinancial Services refunded to me. I called to request this refund on XX/XX/2022 and was told that my refund was being processed and that I would see the money added back onto my balance shortly. As of today ( XX/XX/2022 ) I had not received any correspondence from Edfinancial Services, so I called to check on the status of the refund. I was now told that they could not give me a date or even an estimated date of refund.
Product: Debt collection

Carter Business Services is still reporting medical debt of less than {$500.00} on my credit report which is no longer supposed to be happening in 2023 ( see XXXX XXXX XXXXXXXX  ). I opened a dispute with XXXX and asked them to remove this debt in accordance with the 2023 changes in credit reporting but they did not remove it and said that the debt in the amount of {$320.00} was " verified with Cater Business Services ''. The original creditor was XXXX XXXX ( an ambulance service ).
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. 

XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Credit card or prepaid card

On XX/XX/22 I requested a limit increase I have a fraud alert and no additional information was verified before accessing information
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a 30-day late payment entry on my mortgage account for the month of XX/XX/year>. I appreciate the services provided by XXXX Mortgage and the role you play in facilitating my homeownership. I have recently reviewed my credit report and noted the presence of this late payment entry. I believe there has been a misunderstanding or error, as I have consistently made on-time payments since the inception of my mortgage. Upon investigating this matter further, it appears that the lateness may have been the result of XXXXXXXX XXXX as stated on their website and the document they sent me stating that they processed check # XXXX on XX/XX/year> and mailed it out same day. They also stated through email and their website that the check was delivered on XX/XX/XXXX, XXXX payment will be delivered by paper check on Wednesday, XX/XX/year> SENT TO XXXX XXXX XXXX XXXX, TX XXXX CHECK NUMBER XXXX XXXX XXXX sent check from XXXX XXXX, CA on XX/XX/XXXX through mail to XXXXXXXX XXXX in XXXX, Tx XXXX was XXXX on XX/XX/XXXX. That's not 30 days late. XXXXXXXX XXXX said they received it XX/XX/XXXX but can't verify that.
Product: Checking or savings account

On XX/XX/2020 we noticed unauthorized charges on our business account in totaling {$22000.00}. We immediately called our banker XXXX XXXX to advise him what happened. Upon further research it was brought to our attention 3 individuals names had been added to our " Direct Deposit Recipients ''. The names are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. We have no idea who these individuals are and how they were able to add themselves to our account to be paid. The individuals paid themselves different amounts. XXXX XXXX XXXX {$3500.00}, XXXX XXXX XXXX {$15000.00} and XXXX XXXX {$3500.00}. We have gone back and forth with BB & T ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX P ( XXXX ) XXXX ) with absolutely no resolution. The minute we contacted them which about the situation, which was the same day, they should have froze the funds and this was not done. We have only received {$3000.00} out of the {$22000.00} that was fraudulently taken from our account. This is absolutely unacceptable. We have been told that there is nothing they are able to do. How is it that my company is out {$19000.00} and nothing was done. 
Our company name is XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence XXXX provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.