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

CFPB sues Experian for failing to investigate credit report errors .The CFPB filed a lawsuit against Experian for failing to properly investigate consumer complaints regarding credit report errors. This legal action highlights significant concerns about consumer protection and the integrity of credit reporting practices in the industry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

XXXX XXXX, XXXX, ( 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 XXXXeporting 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 opened account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 ) 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: Bank account or service

On Monday, XXXX XXXX 2015, I noticed unusual activity as to why my balance was at an extreme low. I currently bank with USAA Secure Checking. I notified them the day I noticed the suspicious activity and filed a claim. I followed up to get a status report on Thursday, XXXX XXXX 2015. I was then told the Fraud Agency with USAA declared this was not a case of fraud. There were a total of XXXX different transactions all in the same amount of {$990.00} bringing it to a total of {$6900.00} lost. I was basically told I lost that money and to contact XXXX. USAA did send me paperwork that shows when each transaction was made and for how much. I was able to see exactly who they went to and what account once I was able to log onto to usaa.com to check my account electronically. I have notified the local police department here in XXXX, MA to file a police report. USAA is not handling this situation as they should be. I am requesting full recoupment of all funds.
Product: Debt collection

On Monday at XXXXXXXX XXXX I received a call from Receivables Management Partners LLC stating the call was from a debt collector and any information obtained will be used for that purpose and instructing me to call them at XXXX. On XXXX I put this company on notice to Cease and desist ANY and ALL communications with me through ANY and ALL mediums, 15 U.S. Code 1692g. This is a clear violation of the FDCPA and is causing mental anguish. I previously requested this company to provide the following information to validate the debt : 1. The original creditor 's name and contact information. 2. A copy of the original signed contract or agreement related to the debt. 3. Verification of the amount of the debt and how it was calculated. 4. Proof that you are licensed to collect debts in my state. the company responded with the following statement, " Dear Mr. Cook, Thank you for your letter to the Consumer Financial Protection Bureau ( CFPB ) and for providing us with an opportunity to respond. We were unable to locate a file based on the information you provided. Please provide additional information, such as the phone number we were calling and the phone number we were calling from, which may help us locate the file and assist with your request. Should you need further assistance, please contact our XXXX XXXX XXXX at XXXX. Sincerely, XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX ''
Product: Money transfer, virtual currency, or money service

I moved more than {$270000.00} dollars from my XXXX account to M1 finance. It has been more than 3 weeks, my account is restricted and no matter how many times I provide my documents ( Passport/ Social Security card/ Drivers License ) they don't listen to me. They say we can't validate your identity. I offered them option to have me fly to the XXXX ( their headquarter ) so that I can provide retina scan and fingerprints to verify my identity, they wouldn't do that, They are trying to scam me by sitting on my life 's saving and collecting interest on it while giving me excuses that they can't verify my identity and my account is under review for 3 weeks, They wouldn't let me touch my own money. 

They are online bank/brokerage and they are fraud. To get rid of them, I even initiated an ACAT transfer to XXXX XXXX, which is a regular local brokerage who has office right by my house so that I can finally access my fund by personally visiting XXXX XXXX XXXX, they declined that ACAT transfer to XXXX. so that M1 finance can sit on my XXXX  XXXXXXXX XXXXXXXX XXXX savings for unlimited amount of time collecting interest on it and denying me access of my own fund.
Product: Credit reporting or other personal consumer reports

Re : Data Breach Request for Deletion of Accounts and Inquiries Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to notify your bureau that I am a victim of a data breach. As such, I request the immediate blocking and deletion of the following accounts and inquiries as permitted under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
ACCOUNTS TO BE BLOCKED AND DELETED : 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: Credit reporting or other personal consumer reports

I called Chase they say I have an attorney and they can't talk to me. I called the attorney by googling his name they said they would get back with me and I still havent heard from anyone or seen any removals of the XXXX XXXX address which isn't mine, or the wrong telephone number XXXX has on my credit report which hasn't been removed, I can't access anything on XXXX or talk to anyone. It has been over 30 days with all this inaccurate reporting I may have to sue for statuaory damages on these charge offs which have been reporting past due at the same time, if they took a loss & wrote it off it isn't past due. I will sue JPM Chase and XXXX for statutory damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX DOB : XX/XX/1994 Experian Customer Services Attn : Arbitration Opt-Out XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Customer Services I recently purchased a copy of my Experian credit report through the Experian app, please use this letter as confirmation that I herby Opt-Out and do not wish to resolve disputes with Experian through arbitration. 
Again, I reject the arbitration clause in the Experian interactive service agreement. 

Thank you again for you speedy help with to this matter and noting my account. 

Enclosed is a Copy Of Photo ID for proof of my identity and a piece if mail, bill for proof of my address Please kindly reply to in writing to the Affidavit, as I wish to know by mail that Experian has received my request and that my demand for Arbitration Opt-Out has been processed and honored. 

I declare under penalty of perjury that this Arbitration Opt-Out demand to Experian has been prepared for Presentment to Experian, by me, XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX. 2023 debt in the amount of XXXX showed up on my credit report without any prior notification via mail. I have no knowledge of any debt I owe. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. If additional information is needed please contact me by email or phone. 
AMSHER COLLECTION SERVICES INC XXXX XXXX XXXX, XXXX, AL XXXX Credit agency effected XXXX and XXXX
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that COMENITYBANK/VICTORI has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30   days/60 days/120  days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

I have continued to communicate with the credit report agencies XXXX and Equifax but they continue to state that the report is correct which it is not. I have provided the closing statement for the creditor in question and no changes have been made.I have uploaded the balance shown on XXXX that XXXX and Equifax should be similarity reflecting.
Product: Vehicle loan or lease

Since the loan inception ( 16 months ) I 've been paying an additional principle only payment every month, only to find out now that they have been applying about 50 % of that to interest. I have demanded that they retroactively reapply 100 % of those payments to principle only, and they have refused. I 'm going to hire a lawyer but thought I 'd give this route a try first.
Product: Credit reporting or other personal consumer reports

I don't want this in my report, they are accounts with negative information that I don't remember having. 

XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX
Product: Bank account or service

MyAccount at Bank of America and or my debit card was charged fraudulently for costs associated with the rental covered under Massachusetts XXXX XXXX as XXXX a XXXX insurer for the at fault accident, for which XXXX admitted fault. Further, charges were allowed that were fraudulent charged by XXXX that I paid throughy Fast Lane Toll which is provided as attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue concerns with rogue inquiries made ( multiple ) to my Experian credit report. I recently attempted to resolve this issue via a letter i sent to them in early XXXX 2017 ( XXXX XXXX, 2017 ). To date I have not received a response or acknowledgement from Experian. The letter was sent via Priority mail with delivery confirmation and was confirmed to be received by the USPS. In my letter I asked Experian to investigate XXXX inquiries made to my credit report which are not permissible as per the Fair Credit Reporting Act. The XXXX inquiries in question do not fall under " permissible use ''. Furthermore on the XXXX inquiries in question, no specified reason is given. I discovered this while doing a periodic check of my credit report I also asked for additional information, as per the Fair Credit Reporting Act, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, specifically : a ) the name and title of the person who pulled my credit report b ) the date of the alleged permission and for what purpose, since none was given c ) Method that the creditor claims permission was given and documentation of said permission. As stated before I received no communication on this matter from Experian.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in MAY to be removed.

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

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

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

XXXX college lied and defrauded me. I was told I would get help with job placement and I did not. I graduated XX/XX/07 and when I called to inquire why I did not get my degree in mail I was then told I owed over {$5000.00} - not true! Also they wont release the degree or transcripts. I also refuse to pay for a worthless degree that I cant have and cant use thanks to them. The school was closed. I was hounded to enroll and was never told Id owe money above my student loans. I was lied to and deceived.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA credit card company closed our credit card in XXXX of XXXX because of delinquency. 

I have my XX/XX/XXXX USAA credit card statement showing an active account but includes a past due amount and the statement " Our records indicate your account is past due. Please send the minimum amount due today! '' On XX/XX/XXXX, I received a letter from USAA with the Reference : Credit Card Account Closing '' I have my XX/XX/XXXX USAA credit card statement confirms my account is closed with the statement, " Your account is currently closed. '' After USAA closed my account, I paid USAA when I could but not consistently. After some years, the account was sold to a collection agency. The collection agency " re-aged '' the debt reporting the delinquency to reflect the date they acquired the debt. 

Per the FCRA, this item should have been removed from my credit report as of XX/XX/XXXX. It was not. 

I wrote USAA. I called USAA and the Collection Agency who continue to finger point and send me to the other. I supplied my statements to the credit bureaus. I hired credit repair companies to address this. Still, this persists. You can see on my credit bureaus how many times I have tried to dispute this. 

Since we lost our jobs in XXXX, we have worked diligently to recover and repair our credit. We continue to pay this debt every month with a full understanding we owe the debt. But USAA and the 3 credit bureaus are conflating debt owed with reporting laws. 

We want to refinance our house. We want to buy a smaller house for retirement while interest rates are so low. We are running out of time. This is severely knee capping our effort to secure our finances for retirement. 

Between credit card companies and the credit bureaus, we can not move forward. This is illegal and unjust.
Product: Checking or savings account

I utilize a high yield online savings account with XXXXXXXX XXXX XXXX XXXXXXXX, Texas ( division of Texas Capital Bank, N.A. ). I've been blocked from accessing funds in my account for several days without explanation. 

First, I attempted to transfer funds electronically from XXXX to a linked XXXX XXXX account in my name, and noticed the request was placed 'on hold ' for an unspecified reason. 

Next, I attempted to log onto my XXXX account and received an error message that my account was disabled. 

After repeated calls to the company ( which involve 40 minute wait times to speak to a representative ) I was told that the fraud team was reviewing my account for unspecified reasons and had frozen it to prevent unauthorized transactions. Pressing for more specifics, I was told by customer support that they don't know the reason. 

Asking to speak to a supervisor to obtain the specific reason that fraud is suspected, and a justification for my account being frozen, I was told they were unavailable and must wait for a callback. 

I have still not received a single communication from XXXX to explain why my account has been disabled. The value of this account is approximately {$240000.00} USD.
Product: Credit reporting or other personal consumer reports

I was a victim of Equifax data breach and inaccurate information needs to be removed.
Product: Credit card or prepaid card

I reecived a credit card from Capital One in the mail that I never ordered. 
Several years ago i had an account with BJ 's with another bank. 
1. This account was cancelled 2. The credit card was cancelled 3. Capital One took over the credit card for BJ 's and arpitrarily sent me a credit card for activation. Along with this They billed me {$55.00} for the BJ 's Card and {$29.00} Fee from the bank {$.00} interest I called BJ 's and told them we never ordered this card and they credited back {$55.00} and told us to contact Capital One. We did and told them 1. We did not have or want a BJ 's Card. 
2. We never activated their Credit Cards sent us a, XXXX XXXX ending in XXXX XXXX XXXX XXXX ending inXXXX These cards have stickeers on them that read " To activate on XX/XX/23. They were sent to us unsolicited in XXXX XXXX while we were on vacation in XXXX XXXX  and our mail was being held by the post office. Upon our return we contacted Capital One for a ccreddit to an an account that was never requested nor opeed and were informed by their representative XXXX XXXX that we wer being billed an additional {$30.00} every month until the bank was paid. 
Although I am one consumer that they are scamming I have talked with several others who have had had the same experience. this is a major scam by Capital one
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXXXXXX # 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, credit repair services, or other personal consumer reports

Date opened is reporting with 3 different dates, credit limit reporting inaccurate. When you report to credit bureaus they just update account, please remove/delete account off credit due to inaccurate reporting. this for the charge off account XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX Balance {$320.00} XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX Balance {$930.00} XXXX  XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Student loan

I am XX/XX/XXXXand just XX/XX/XXXX, Sallie Mae will not work with me to lower my payment or defer them.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies, I have sent Certified Letter 's on XXXX XXXX 2017 for Unauthorized credit Inquiry on my Credit Reports, as well as called and disputed these inquiries. I have never authorized such action and this constitutes as a violation of my rights under the Fair Credit Reporting Act 604, as well as a violation of my privacy. XXXX XXXX Inquires - XXXX XXXX, XXXX XXXX, XXXX, XXXX , XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX. Transunion- XXXX Inquires - 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 Inquires- 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: Credit reporting or other personal consumer reports

THESE INQUIRIES and COLLECTIONS ARE UNAUTHORIZED AND I AM A VICTIM OF IDENTIFY THEFT BY INFORMATION BREACH. 
Remove all listed from credit reports, trans Union, XXXX, XXXX credit reporting agencies 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: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.