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

This letter serves as a formal complaint regarding the reporting of inaccurate and incomplete credit information. 

I am troubled by the inclusion of the following information in my credit profile, as well as the lack of reasonable procedures in place to ensure the utmost accuracy in the credit reports you publish. Credit reporting laws mandate that bureaus only report completely accurate credit information. Therefore, it is crucial to thoroughly investigate the following information : BankruptcyXXXX  Please remove it from my credit report. 

XXXX. Validate Account BankruptcyXXXX Please remove it from my credit report. 

XXXX. Validate Account BankruptcyXXXX Please remove it from my credit report. 



XXXX. Validate Account XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX, XXXX. 

Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Please remove it from my credit report. 


I kindly request to be provided with evidence of this alleged item, specifically the contract, note, or other document bearing my signature. 

If unable to provide such proof, I insist that the item be promptly removed from the report. The listed item is entirely inaccurate and incomplete, which constitutes a significant error in your reporting. Please delete this misleading information and provide corrected credit profiles to all creditors who have received copies within the last six months, or the last two years for employment purposes. 

Additionally, please furnish the name, address, and phone number of each credit grantor or other subscriber. 

According to federal law, you have a period of thirty ( 30 ) days to complete the re-investigation. Please note that I also request a description of the procedure used to determine the accuracy and completeness of the information, which should be provided within fifteen ( 15 ) days following the conclusion of the re-investigation.
Product: Consumer Loan

Prestige Financial contacted XXXX of my references and gave detail information on her voice mail regarding my account : My account number, the amount of days past due, My full name and also other confidential information that was not permitted to give out to any unauthorized 3rd party. 3rd party ( reference ) advised Prestige Do not Call her phone any more and she was called several times after that. I have received threating emails, text message and calls multiple times a day.
Product: Debt collection

ZENITH FINANCIAL NETWORK INC, ALSO ZFN AND ASSOCIATES ARE TRYING TO COLLECT FOR XXXX XXXX. ZFN CONTACTED MY MOTHER AND GAVE HER INFORMATION ABOUT MY DEBT, THEY TOLD HER THEY WERE GOING TO TAKE ME TO COURT IF I DIDN'T PAYED WHAT I OWED. SHE TOLD THEM TO STOP CALLING AND THEY KEEP ON CALLING, THEY SENT HER A TEXT MESSAGE AS WELL. I NEVER USED HER AS A REFERENCE, I DO NOT UNDERSTAND WHY THEY CALL HER. I CALLED THE COMPANY TODAY AND I STATED THAT I HAD NO MONEY AND THEY NEEDED TO STOP CALLING ME AND MY MOTHER, THE LADY I SPOKE WITH SAID THAT SHE WAS GOING TO KEEP CALLING ME EVERY DAY AND THAT I NEEDED TO ASK SOMEONE FOR MONEY TO PAY, THAT THE MONEY WASN'T GIVEN TO ME FOR FREE, I TOLD HER TO STOP CALLING ME AND SHE SAID NO, WHEN I TOLD HER THAT ACCORDING TO THE FDCPA RULES SHE HAD TO STOP CALLING ME, SHE HUNG UP.
Product: Checking or savings account

In XXXX, XXXX, and XX/XX/year> I kept getting charges from XXXX on canceled debit cards and my transactions have been getting rearranged in a way that causes overdrafts, double charges, etc. My overdrafts protection is terminated but transactions are still allowed to post to my account whereas in the past, if there were no funds or low funds this would not happen. Now it keeps happening and overdrafting the account with return check fees, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XXXX  XX/XX/XXXX I had a deposit of XXXX XXXX  and Chime took XXXX off for my pay but I only had XXXX in my account this been going on for about a year now ever since My pay and the XXXX XXXX features started
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, Experian and XXXX. The CFPB complaint numbers were XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( Experian ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, Experian or XXXX to resolve anything. I also know that there was data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, XXXX and Experian must be held accountable and to the standards clearly outlined in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around the XXXX of XXXX I have been closely looking at my credit report as I was making extra payments to pay off my auto loan with XXXX XXXX XXXX. It was around that time that I was noticed that my credit report was not reflecting the payments that were being made. After contacting the company the advised me to start a dispute and that would get it straight. However, XXXX additional phones were needed weeks later in order to correct the problem. As I move to early XXXX I paid off my debt completely. After weeks of not seeing the report I decided to launce another dispute on XX/XX/XXXX. On a recorded line with Experian I was told that XXXX had not reported payments from XX/XX/XXXX until XX/XX/XXXX. My complaint is XXXX XXXX company has not been reporting my payments as they should. The Fair Credit Reporting Act promotes FAIR CREDIT REPORTING. It is not fair that they have reported all the bad stuff, but not all the good stuff. They are responsible for some damage to my credit report. I would like CFPB to obtain the the exact history of XXXX XXXX XXXX XXXX XXXX XXXX. If it is determined that they are in violation. I will be seeking a legal complaint in the necessary court of law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  ( Incorrect account please validate ) And delete XXXX XXXX  late payment XXXX XXXX XXXX XXXX ( Incorrectly reported please delete )XX/XX/XXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from XXXX XXXX remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( XXXX XXXX ) Please remove from all other credit reportingXX/XX/XXXX account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. 

XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XX/XX/XXXX ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete XX/XX/XXXX Consumer has agreement with XXXX XXXX XXXX To extend the payment due date XXXX XXXX XXXX XXXX XXXX late payment is invalid please correct.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud.

Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : Equifax failed to implement safeguards to ensure the security of sensitive consumer data.

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. 


5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures.

Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) umer data and not adequately notifying affected consumers. 
XXXX engaged in unfair and deceptive trade practices by failing to protect cons
Product: Checking or savings account

I recently realized that my Citibank checking account was being fraudulently debited for a period of about 10 months. From XX/XX/XXXX through XX/XX/XXXX my account was debited for a total of {$25000.00} from four different merchants ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). All charges from these merchants were fraudulently debited as I have never authorized any debits from any of these merchants. 
I first noticed these unauthorized charges on XX/XX/XXXX and immediately contacted Citibank to inform them and to dispute these charges. Citibank also informed me at that time that the charges from these four merchants originated with one person by the name of XXXX XXXX. 
Ive had this checking account at Citibank for more than 30 years. During the course of this time, I have never had any cause for concern with regard to fraudulent use of my account and therefore very rarely checked the activity on the account. The only debits to my account that I have ever authorized were for credit cards, mortgage and insurance payments ( auto, life and health ) and a very limited number of other charges almost all of which were debited on a regular monthly basis. 
From the time these fraudulent debits began on XX/XX/XXXX, debits were being made every few days. Despite the fact that this was a sudden and obvious departure from my regular, authorized debits, Citibank did not flag or question this nor was I notified by them of these new, frequent charges. Additionally, even though I notified Citibank on XX/XX/XXXX about these fraudulent charges and asked that these four merchants be blocked from debiting my account, nonetheless Citibank still allowed more debits from these same merchants on XXXX, XXXX and XXXX. 
To date Citibank has reversed a number of these charges and has credited my account for a total of {$11000.00}. I am requesting that they credit my account for the remaining amount of {$13000.00}.
Product: Credit reporting or other personal consumer reports

Unauthorized accounts have appeared on my credit report, possibly due to identity theft. Please block and delete these fraudulent entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, after I reviewed my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, On XX/XX/XXXX, I submitted documents to the credit Bureaus requesting to update my address and remove all of the inaccurate addresses that did not belong to me, unfortunately, after 35 days I reviewed my updated Credit Report and I noticed that they updated the address but they did not remove the erroneous information on XXXX and EQUIFAX, so I am now taking the extra step, because I really need these addresses to off of my Credit Report.
Product: Credit card or prepaid card

On XX/XX/23, I sent to CITIBANK via USPS certified mail XXXX postal money orders ( which are negotiable instruments UCC Article 3 ) for {$5.00} each for XXXX different credit cards as payments. XXXX card the balance was {$8600.00} and the other was {$830.00}. Both postal money orders were redeemed and cashed and applied to my accounts on XX/XX/23 as payment in the amount of {$5.00} each account. 

On both postal money orders I wrote out my negotiation statement on both postal money orders as again they are negotiable instruments the follow : I accept your offer in the amount of {$8600.00} for valuable consideration and tender this payment for the complete amount in accord and satisfaction upon redeeming this instrument. 

I accept your offer in the amount of {$830.00} for valuable consideration and tender this payment for the complete amount in accord and satisfaction upon redeeming this instrument. 

signed by me ad well as " without recourse '' and my name printed as well. along with codes UCC 3-603/3-331. As well as the account numbers to both cards They redeemed both money order which means they have to honor what was written on it by me from the terms of negotiating. I called them and they refused to honor what was written. I told them that UCC is commercial law and since they are working in a commercial capacity they have to honor and obey these laws/codes. 

I would like to file a complaint and hold them accountable for not honoring law and my negotiable terms upon redeeming my negotiable instruments. I would like for them to honor and credit my accounts and zero out both balances. 

I do have photo color copies of both money orders as well as receipts and the coupons from citibank. I look forward to hearing from you soon. Thank you for your help.
Product: Student loan

Navient failed to communicate with me about my student loans. As a result, my loans went into default. I have since consolidated my loan, but took a hit to my credit score, in addition to interest penalties as a r esult.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.
Product: Credit reporting or other personal consumer reports

The alleged debt is being pursued by RGS Financial , LLC on behalf of XXXX XXXX XXXX This matter is disputed based on the fact a payment plan was accepted from XXXX for a 12 month period however, it was not honored and subsequently charged off, with XXXX XXXX filed and passed on to RGS. XXXX Bank is notorious for offering customers payment plans and charging off the accounts subsequently after without notice. 

Additionally, due to this dispute, RGS and XXXX Bank are in violation of 15 USC 1692e ( 8 ) and subject to damages and attorney 's fees up to {$1000.00} in additional to any actual damages suffered by the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  I was in the process of searching for a vehicle and came across XXXX in XXXX, NC ( XXXX XXXX XXXX ). During the process I emailed their team specifically requesting to ONLY have the pre-qualification and loan process be pulled for XXXX financing prior to applying for a loan. Their representatives responded confirming that this was possible and that my loan would ONLY be pulled for XXXX financing. I look at my report and they alternatively submitted my information to multiple companies resulting in multiple inquires on my report and negatively impacting my credit score. They proceeded to be extremely unprofessional and unapologetic about their unethical practices and I received several junk letters from various institutions that I never applied to. They also consistently gave me incorrect pricing information from their advertisements, tried to hide and manipulate the sales and incentives and would refuse to apply certain incentives that I qualified for. Their team was psychologically and emotionally abusive. See attached screenshots. 

I demand that they remove all XXXX and XXXX partner inquires from all 3 credit reports and any subsidiaries and that they delete my name and contact information from their systems immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> this inquiry is incorrect and doesnt belong to me or it was not authorized. I want it removed immediately!
Product: Credit card or prepaid card

XXXX XX/XX/2019 I ordered a 10 '' Full Touch Screen Dual lens Mirror Dash Cam for teenager car from XXXX XXXX. I received a cheaper 4.3 '' unit with single lens on XX/XX/2019. I immediately contacted the merchant by email on XX/XX/2019 and then again on XX/XX/2019 that the wrong unit was sent. I never received a response. I contacted CaptialOne once I was not going to have a resolution from merchant. I received a letter this week from CapitalOne that they are charging me back again for this wrong unit sent. They are considering the case closed now. It has been three months since the initial order. CapitalOne is not standing by their fraud prevention protection for their customer. This is clearly a bait and switch case. 
Case # XXXX with CapitalOne. At this point I want my {$59.00} returned to me as I received a bogus product.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEW MY CREDIT REPORT AND NOTICE I HAD A FRAUDULENT ACCOUNTS ON MY REPORT.PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : XX/XX/year> Total fraudulent amount : {$5500.00}
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
XXXX to XXXX XXXX XXXX ( XXXX XXXX. XXXX ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
Dennis v. BEH-1, LLC ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

BXXXX XXXX XXXX XXXX