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

Subject : Data Breach and Erroneous Bankruptcy Reporting on Credit Report Dear Sir/Madam , I am writing to express my concern regarding a significant data breach that reportedly compromised the personal information of nearly 3 billion individuals, including mine. According to recent reports, the stolen data includes sensitive information such as Social Security numbers, phone numbers, email addresses, and mailing addresses. Given the scale and severity of this breach, it is crucial to address the impact on individuals affected by this incident. In addition to the breach, I have discovered an erroneous bankruptcy entry on my credit report. This entry is not only inaccurate but is causing undue harm to my creditworthiness and financial stability. As a direct result of the breach, I am concerned that my personal information may have been used maliciously, leading to this erroneous reporting. Please find below the details of my situation : Description of the Issue : Nature of the Data Breach : My personal information, including Social Security number, email address, and other sensitive data, was compromised in a recent cyberattack. Erroneous Bankruptcy Reporting : An incorrect bankruptcy entry has been reported on my credit report. This entry does not reflect any financial activity or bankruptcy on my part. Actions Taken : I have contacted the credit reporting agencies to dispute the erroneous bankruptcy entry and requested a fraud alert be placed on my credit file. I have also monitored my financial statements for any signs of identity theft or fraudulent activity. Requested Action : I kindly request the FTCs assistance in investigating the potential misuse of my personal information resulting from the breach. I also seek guidance on additional steps I should take to rectify the erroneous bankruptcy reporting on my credit report. I appreciate your prompt attention to this matter and any assistance you can provide in resolving these issues. Please feel free to contact me if you require further information or documentation to support my case. Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

Unauthorized Inquiries : All these accounts appear to be applications for auto financing. I did not give permissible purpose to anybody nor company to run my credit report. Please provide proof or delete unverifiable inquires from my report. 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 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
Product: Debt collection

XXXX XXXX XXXX  contacted me on Friday XX/XX/XXXX in reference to a debt that was sent to them to collect on. I attempted to inform the representative that I had no knowledge of debt and that I would like more information mailed to me. The representative said she wouldnt send any information unless I provided her my information that she would need in order to try and use it to claim I owed this debt I knew nothing about. 

I notified the company in writing of my requests that they provide documentation of this debt. I have received more phone calls every day since XXXX XXXX and nothing in writing. The agent today XX/XX/XXXX called and I explained u have not been provided any documents that suggest I owe a loan and she acknowledged that my request for these documents was received. The agent then started to get angry and hung up on me
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Derogatory marks made from XXXX Tx XXXX XXXX ( XXXX XXXX ) XXXX XXXX  XXXX ( XXXX XXXX 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: Credit reporting or other personal consumer reports

my credit was pulled to many times for a car loan at XXXX they cant do that more than once with out my permission 15 u.s.c 1681 section 602 A.states i have the right to privacy also credit karma wants me to pay them money ive never spent other than my own 15 u.s.c. 1681s-2 ( A ) ( 1 ) a person shall not furnish any imformation relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the imformation is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been reporting FALSE information regarding collection activity on my credit report. I submitted 3 credit report dispute complaints over a 3 year period to have this false collect claim removed and provided court documents showing the debt claim as false and not valid. Each time the dispute results are in favor of the creditor with ZERO proof that the debt belongs to me. 

Equifax is not doing proper investigations into consumer dispute complaints. And are failing to collect proof of debt from creditors before submitting negative credit reporting.
Product: Payday loan, title loan, or personal loan

I ask for deferral for my loan due to covid 19 in XX/XX/2020 lending club granted my request and deferred my loan for the month of XXXX and the month of XX/XX/2020. My automatic payments started back up in the month of XX/XX/2020 on XXXX XXXX a payment went through, XX/XX/2020 a payment went through, XX/XX/2020 a payment went through and every month since XXXX i get a letter saying I'm delinquent in making my payments. and I'm getting a hit to my credit report. 
I'm up to date with my payments and they should stop the attempt to collect a debt mail and phone calls.And lending Club need to fix my Credit report. 
I spoke to an XXXX and was cut off then I spoke to XXXX today XX/XX/2020 XXXX
Product: Mortgage

I changed banks that my automatic payment is deducted from back in XX/XX/XXXX. Select services acknowledged the change by letter. In XX/XX/XXXX they tried to pull payment from old bank. On XX/XX/XXXX they called to tell me I never made pmt. I explained that they probably did not pull pmt from correct bank and asked that they confirm new bank account and they record my payment as made on XX/XX/XXXX. They left the record of pmt as XX/XX/XXXX and reported to credit Bureau. My credit dropped due to additional funds added to my mortgage. Again in XX/XX/XXXX I received call on XX/XX/XXXX that I have not paid. Again they did not submit pmt withdrawal correctly. I can't call till XX/XX/XXXX because offices are closed. This will be 2 months in a row they are recording put not made on XX/XX/XXXX. I will be charged interest when I sell or pay off my from XX/XX/XXXX to XX/XX/XXXX. My credit will drop again. I want this fixed and my payments recorded on XX/XX/XXXXof month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Checking or savings account

Dear Sir or Madam : I first noticed there were transaction in my bank statement that was not made by me on the 17th. I started a claim with Bank of America to file a claim of unauthorized transactions and started a fraud claim. 
The amount of the claim was for {$3600.00} and it was three seperate transactions that were all made on the XXXX XXXX. 
The dates and charges were as following : posted date from my bank XXXX/2021 for {$1500.00} XX/XX//2021 for {$1000.00} XXXX/XXXX/2021 for {$1100.00} I was patiently waiting for the investigation and would think the bank would handle the case speaking to the merchant. However, the case was denied on the 9th day. Their reason was because they say that the charge was authorized by me. However, THIS IS NOT TRUE. 

SO I decided to take action and went ahead and contact the merchant about the charges and have them explain to me so i can explain to the bank. Their response is straight forward and told me that they could not find any of the bank transaction in my XXXX account and that those transactions from the bank are NOT from my XXXX account. Thus these charges could not have been authorized by me. 
The case was then reopened and said they would not provide any provisional credit at all to me until the case is fully resolved at the end of 45 days and if needed 90 days. I'm not sure if that is against the law to deny my right to provisional credit since it was more than 10 days since i started the claim. however, the bank of america continue to tell me they won't give me any provisional credit because the case was closed on the 8th and just reopened so i wont get any provisional credit. I'm fine with it but i just wanted to make sure they did not violate the legal laws or any laws regarding provisional credit and treated me in any unfair way. 

Again, they denied me on the 2nd appeal based upon that the charges were authorized by me. I told contacted the merchant again and thus XXXX merchant support again stated that they could not find the transaction in my account and that they do not know where the bank statement payments come from. 

They opened an appeal again just to deny my claim 3rd time. 

During the whole process and the 3 claims, they say the reasons for denial was because i authorized the transactions, however i have found evidence over and over to prove it wasn't me. Shouldn't they find proof to prove it was me that authorized the transactions if it was really me? I have seen no evidence from their side. I asked about the devices used from the transactions, the location, the account. Yet the bank denied all the information and just said it was me who authorized the transaction without a shred of evidence from me. 

I don't believe they are making a fair judgement and thus i would like to have this case taken to CFPB to investigate and hopefully resolve this matter. 

I have attached supporting documents for this case.
Product: Payday loan, title loan, or personal loan

I sent Honda financial a cashier check of {$12000.00}. XXXX the rep from Honda confirmed the check was received. My vehicle will not be released as per Honda because my account has been under review for the last month so I've been told. My car has yet been released from their third party repo company XXXX XXXX. Honda has possession of my vehicle, my assets, and causing delay in my business. Pursuant Truth and Lending Act this is a violation to my rights as a consumer. Honda has not corrected this error within 60 days of discovery and prior to written suit or written notice from me the consumer. The original contract was requested and I was sent a copy without two live signatures. This is fraud. Litigation is sought.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Company is Chrysler Capital out of XXXX Tx. 
I purchased a 3 yr car lease through Chrysler Capital in XXXX XXXX. From the start of the lease I was billed wrong and the account was reboarded several times. I asked for a copy of the correction that was done XX/XX/XXXX and never received it, also asked for a paid in full letter for the contract and was refused a letter as well. I purchased the car on XXXX XXXX, XXXX and asked that I be provide with something that says my contract is pd in full. Chrysler refused to give me a letter. Instead they sent me a email stating all payment were made on the account. It did n't say paid in full or contract pd In full and I could n't use it because it did not say the account was closed or pd in full. They are reporting is open on my credit with a balance and it is causing problem for me. I have a new finance company that I am financing the car through. I have asked them several times to correct it since I no longer have an account with them. But they wo n't. 
They also owe me a refund because I was overcharged on my car registration and they wo n't refund the money to me. They wont let me talk to anyone In titles and registrations or the Credit Dept to get the problems fixed. I did a dispute with transunion but Chrysler Capital said their was no change so the report still shows acct open and not closed. 
Every time I call there I get a different answer and they wo n't let me talk to the XXXX I need to talk to the person I need to to get a resolution.
Product: Vehicle loan or lease

My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX Maryland XXXX my phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX owner owns all Car stores XXXX Maryland and Delaware! Cheats people a lot of people complain about the car store! XXXX XXXX salesman and XXXX the manager of that car store cheat people never got to see white sticker! On truck! Signed for truck electronically! A lot of papers for Creditacceptance at car store! sold me a lemon credit acceptance charge me to much money after what I went through for that truck had to go to therepy for my back why I brought it someone hit me and total wrecked my truck that I had brought through Creditacceptance. A XXXX XXXX XXXX paid that off XX/XX/XXXX in good standing they know Creditacceptance! the car store did n't! Brought truck XX/XX/XXXX motor was low on oil next day car store garage put oil in next day power steering started making noise needed power steering hose! They fixed! XX/XX/XXXX truck motor stated making noise carried back to car store garage left there said needed new motor! Said would put one in did n't said was something else later fixed it got truck back XX/XX/XXXX Complained to credit acceptance complaint department they did n't do nothing!! XXXX was investigator in complaint department of Creditacceptance. Her fax number is XXXX paying XXXX XXXX for a lemon a XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX : XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I want to file a complaint against synchrony bank for unfair credit practices. They increased interest rates on accounts to nearly 30 % and I am trying to increase my score to get things to lower interest options. Every time I pay off a synchrony account the reduce the credit limit from the XXXX or XXXX limit to less than {$500.00} usually to whatever balance will accommodate the interest they will charge on the balance paid off. They are actually hurting my credit score when they do this & manipulating my credit report to make it look worse when I pay off an account with them. They then use that info to increase my rate on remaining accounts using high balances to available limit as a reason. I hadnt noticed that synchrony had taken over all of the credit accounts until I started to pay them off. They have done this multiple times on multiple accounts I have with them. They most recently did this on my Venmo visa account, but they also did it on my PayPal MC, Care credit, JC Penney, and Torrid cards. They did do it to my Lane Bryant account 2 years ago & I got rid of it. Normally it doesnt bother me except that I called for explanation and they said of I didnt pay enough over the min for them. Basically I did everything I was supposed to & paid them off but not the way they wanted me to, They took over most of my credit accounts or they bought them & they are using the their power to manipulate scores & keep people from increasing them so that they are the only lender available. I have never defaulted or done anything to warrant a decrease in credit but they took my limit for over XXXX to {$200.00} after o paid my account off. This is credit score manipulation and Im sure they are doing it to others.
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.

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. 

Account name : DEPTEDXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX # XXXX, Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXXXXXX XXXX XXXXXXXX, Account name XXXXXXXX XXXX XXXXhas violated my rights.
Product: Debt collection

Back in XX/XX/2015 I was out of town eight hours away from home for work in XXXX, Texas. During this 14 day hitch I happened upon a medical emergency. At the time I realized I did not have my insurance card available. I had mistakenly left my credentials at home. I was treated at the emergency room and then told to call back with my insurance information. Once my hitch was over and immediately after arriving back home I contacted the hospital 's department that handles bill pay. I then submitted my information and then NEVER heard back after following up a few weeks later. At the end of the following month I landed on hard times as I was laid off along with six others in my department due to the crash in the oil and gas market. It was then that I lost my ability to pay for my monthly health care costs. Sometime after this episode this bill was released to collections since I had no way of paying being without employment. This derogatory mark is now weighing heavily on my credit and prohibiting me from getting credit to build my credit report up to a more favorable score.
Product: Checking or savings account

2019 {$740.00} I have contacted them and no response
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX To Whom It May Concern, Under 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 and 15 USC 1666B. 

XXXX XXXX XXXXXXXX : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX, and any late payments from merchants have violated my rights. XXXX - XXXXXXXX XXXX XXXX XXXXXXXX Balance - {$5.00}, this is incorrect. 

This information is incorrect from XXXX. 

Late Payments aren't supposed to be on a consumer 's credit report and XXXX XXXX  XXXX and XXXX didn't follow the proper guidelines to inform me about late payments on my account. By violating the guidelines of 15 USC 1666B - Timing Of Payments, They didn't send me any notice. They have ruined my credit score of XXXX points and I believe I was targeted. 

Best, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX have been unable to proivde me with verification of the debt per FCRA. 
Ive notified both agencies of the identity theft, Further there is a long term fraud alert and has been on all reporting agencies since the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
Ive filed an identity theft report for the items of XXXX XXXX XXXX XXXX These agencies have refused to remove the fraud from my report, At this time I have retained counsel and am sending this and the FTC report via certified mail again, These companies have 14 days to remove these items of fraud from my report or face civil damages. 
I am prepared to file suit in XXXXXXXX XXXX XXXX XXXXXX/XX/year> should all this not be delted from my files. 
I plan on filing suit against the companies reporting the info AND the Bureau publising the infomation as both violate FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a text message from this company asking me to run my credit I replied NO. I called Affrim to make them aware and would mark it as fraud. it has now shown on my credit report with an address in XXXX
Product: Checking or savings account

On XX/XX/2019, I logged on to my XXXX XXXXXXXX XXXX account and noticed that there was a transaction pending for the amount of {$1000.00} from XXXX XXXX. I did not authorize or have not had any dealings with XXXX XXXX. I contacted XXXX XXXX XXXXXXXX and was advised that they charge was pending and that they could not do anything about it. They gave me the number that was linked to and advised that whomever initiated this charge did it with my routing number and account number and my name. I advised XXXX  XXXX XXXX that I did not authorize such and had no idea who XXXX XXXX is. They gave me a contact number to XXXX XXXX. I contacted them only to have to leave a voice mail and get no return call. I logged on to their website and completed a dispute and asked for a return call but have not received a call.