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

I HAVE TOLD EXPERIAN & XXXX THIS ACCOUNT IS PAST ITS 7 YEAR EXPIRATION DATE & THAT THEY'RE IN CLEAR VIOLATION OF THE FCRA LAWS. BOTH REFUSE TO REMOVE IT & DECLINE TO DO ANYTHING ABOUT IT BUT LIE TO THE CFPB TELLING THEM THEY CHECKED W/THE CREDITOR. THE CREDITOR HAS NOTHING TO DO WITH THIS BUT THEY DO NOW AS I INVOLVED THEM VIA THE XXXX & WILL INCLUDE THE FTC IN THIS EFFORT IF NEED BE. SEE ALL ATTACHED. AS YOU CAN SEE THE FTC SUED THIS LENDER FOR ILLEGAL LENDING PRACTICES JUST LAST YEAR! I'M CALLING THEM ON MONDAY TO LET THEM KNOW THAT I TOO WAS A CUSTOMER & SHOULD BE ADDED TO THIS SUIT. I PLAN TO LET THE FTC KNOW THAT THE BUREAUS ARE REFUSING TO REMOVE STALE DATED INFO FOR THIS CREDITOR FROM CREDIT REPORTS. THE FTC WILL CONTACT THE CFPB & THAT COULD INITIATE ANOTHER LAW SUIT AGAINST THE LENDER & BUREAUS! YOU'RE THE ONLY 2 STILL REPORTING THIS STALE ACCOUNT. CFPB JUST SUED XXXX XXXX FOR THEIR POOR QUALITY CREDIT PRACTICES. YOU SHOULD BOTH BE NEXT!!!
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of XXXX XXXX and I'm requesting to remove these fraudulent items from my credit file resulting from alleged XXXX XXXX. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in XXXX XXXX. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which has led to an unknown and inaccurate account appearing under my name. I have been a victim of identity theft, and my information was used fraudulently, resulting in an account I was never associated with. Following proper procedures, I filed an FTC report as advised by TransUnion and submitted the necessary documentation. Despite this, the fraudulent item remains on my credit report. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to XXXX  of XXXX  of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is refusing to accept investigate and correct errors in information on my report resulting from identity theft within 4 days as required legally. They have been sent an identity theft affidavit sent via certified mail and ignored it. 

Experian allowed someone to create an account using my information and will not correct it. Allowing this person to continue to steal my identity and apply for accounts in my name. They can clearly see XXXX @ gmail belongs to someone else. They stated they updated it to my email so this person could no longer login but they still havent and my identity is still being stolen as a result! 

XXXX is refusing to accept investigate and correct errors in information on my report resulting from identity theft within 4 days as required legally. They have been sent an identity theft affidavit sent via certified mail and ignored it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXXXXXXXXXX XXXX Date of first delinquency is missing? delete this account violation of fcra and fcdpa.
Product: Credit reporting or other personal consumer reports

I requested multiple times to get my statement that was missing with a closing date of XX/XX/XXXX and a payment due date of XX/XX/XXXX. No statement was mailed, and they stated that no statement was generated for the month of XXXX, and they are refusing to provide that XXXX statement and receipt, as well as reporting it accurately for the correct month. I made the payment in XX/XX/XXXX for {$60.00} on the phone with XXXX XXXX, and it should have been on my printed and mailed Us First class statement. The XXXX statement remains missing and it is my legal right to have a proper receipt on the correct month. I am being denied access to also having this reported accurately to the credit bureaus. XXXX XXXX also continues to be a problem. 

Additionally, I did not receive my statement for XXXX closing date of XX/XX/XXXX with a payment due date of XX/XX/XXXX. I made a payment of {$52.00} confirmation XXXX and a separate payment of {$440.00} confirmation XXXX to be on my closing date of XX/XX/XXXX and payment due date of XX/XX/XXXX. On XX/XX/XXXX, I spoke to several people including XXXX and XXXX, and Sweety form XXXX, XXXX. Additionally, they transferred me to XXXX, the supervisor and there was no resolution, and I filed the complaint while I wwas left on hold for XXXX hour before I submitted this complaint. Please respond by US mail as XXXX has my email lockdown right now, while trying to recover my email. i do not use my email with Chase and do not want it used on my accounts with the exception of the back office only for ID purposes. 

I do not have any online banking whatsoever and do not intend to do so. It will be fraud if my email is used for any banking purposes such as an online account. I receive all paper statements only on all my accounts, including my missing car loan that Chase should have reported as well, and all this infor was provided to them a miultitude of times. Please respond by US Mail. I will be out of the country between XX/XX/XXXX and XXXX, XXXX. Please extend the time to respond to any additional requests by the CFPB. I have someone at the house, but they will not be able to reach me. Please notate these on all my existing complaints/ accounts with the CFPB XXXX 

Multiple times I provided the Police report XXXX XXXX and cell XXXX. It is for identity theft and misidentification filed on XX/XX/XXXX. To this day, no identity theft packet has been mailed to me by Chase.
Product: Credit card

My credit card was blocked from being used. I verified all my personal information and told them that I had the card in hand and that there had been no fraud. I believe the representative XXXX XXXX falsely placed a block in my account ( after I told her not to ) and we briefly argued about it. I had to hang up the phone and in retaliation I believe she falsely reported there was fraud on the account. I asked Bank of America what the fraud was and they said it was because I tried to use the card on my mobile app.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX Balance Owed : {$520000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

I have an account that is from identity theft and is not mine that is still reporting on my credit file ... I am attaching a copy of my policer report as well as a notarized affidavit regarding this matter these collection attempts need to be stopped immediatley and this account deleted from all credit reporting agencies..
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX CO XX/XX/XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy Date XXXX : XX/XX/XXXX XXXX # : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hi there. On XX/XX/XXXX, someone one XXXX was trying to buy a product from me. They tried to XXXX me money but I never recieved it. They would take screenshots saying that the money has been delivered but on my end nothing. So then I recieved an email from XXXX stating that in order for the money to come into my account I must send {$400.00}. So I did in order for her money to come through. And once I sent it, they sent me back another message saying {$600.00} now. I believed in it because the email looked legit. So the total I gave them was {$1000.00}. It was stupid of me. And then they asked for another XXXX once they asked once more, I thought back this is ridiculous for just some cheap shoes I wanted to sell. So immediately I blocked the people, and called the bank. They said they would try to get it back but can not guarantee. I have a few information about the couple like their email that I sent through if that helps. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I got identity theft after I lost my wallet back in XXXX. XXXX applied online with Capital one and the credit card was sent to a different address rather than my residential address. after a month, I was billed approximately {$1800.00} from Capital One. I called Capital one numerous time to report identity theft, yet Capital one still reports the card to credit bureaus which makes my credit score plummets and send me a letter asking me to pay for the card
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

This is my XXXX attempt i am interested in processing disputes for inaccuracy on my credit report an i accurate accounts thats are not mines reporting to my credit report. These accounts do not follow the FCRA rules. I am a victim of identity theft i have no knowledge of the invalid accounts listed. Please review an remove the accounts listed in the dispute to clear and correct my credit report asap
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a 3rd party debt validation letter to National Credit Systems requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$4500.00} which is a fraudulent charge. By law pursuant to 15 U.S.C. section 1681 ( s ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), Nation Credit Systems has failed to validate this alleged debt within the ( 30 ) day time frame as pursuant to 15 U.S.C. section 1681 ( g ) ( 4 ). They have NO signed contract with my signature stating that I give them ANY permission to access my credit reports as pursuant to 15 U.S.C. section 1681 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received the results of my investigation.
Product: Credit card or prepaid card

I was charged {$95.00} for an annual card fee for XX/XX/XXXX XX/XX/XXXX. Two weeks later, I called to ask to reverse the fee and change the card to a no annual fee card. 

They changed the card to a no annual fee card but did not reverse the fee. I asked if they could prorate the fee and only charge for 2 weeks. They will not do it. 

I am now paying a {$95.00} annual fee for a card that does not have an annual fee.
Product: Credit reporting or other personal consumer reports

sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax regarding to student loans paid off and very old accounts and request for deletion because its holding me back from getting ahead along with investigations for bankruptcy. However its been more than 30 days and the credit bureaus failed to send my investigation back. I Chvez been going back and forth with this since XX/XX/XXXX. This is not making any sense. XX/XX/XXXX I have also sent a letter to the court asking if they report bankruptcy to credit bureaus and they sent me a corresponding letter stating they do not report to credit bureaus. 
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian has ignored my request to verify the account I disputed. Being that they can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Credit card or prepaid card

Citibank charged {$39.00} over-the-limit fee on my Citi Professional Card. The Credit Card Accountability Responsibility and Disclosure Act of 2009, card issuers can not charge this fee unless cardholders opt in to allow the issuer to approve transactions that push them over their credit limit. I had never opted in to allow Citi to approve transactions over my credit limit. I called Citi and they said it was part of the conditions in the terms and they have the permission. I then asked to opt out and asked them to decline any future transactions if there is no sufficient credit available. They said they do not have that option.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021, I filed a dispute with XXXX and TransUnion credit bureau about the unverified accounts XXXX XXXX XXXX Account number XXXX and XXXX XXXX account number XXXX. I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved for FCRA non-compliance and because I have not received a response from this company about these 2 unverified accounts as of today Which is a violation of the Fair Credit Reporting Act. These collection agencies are supposed to notify me of their investigation results within 30 days.. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to my understanding my name is not XXXX XXXX XXXX or XXXX XXXX XXXX or XXXX XXXX XXXX or have any Middle name on my identification number or social security number that illegally been fraud with the Alabama law enforcement agency database system an XXXX XXXX XXXX background check due multiple website using my personal information to claims my assets along with power of attorney that I never sign any agreement documents to any company along with XXXX headquarters platform identity thefts fraudulent paperwork tampering with records slander my name sale illegally data Cause me harm to my self try steal assets so my identity can't be verified in data systems cause fraudulent activity personal information due debt settlement agreement never received to XXXX XXXX department I hereby my personal information need to be updated in system all illegally name need to be investigated fraudulent company XXXX XXXX Alabama department of revenue commissioner failed false deeds title
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

My information was exposed in a data breach and according to USA 1681 which states governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). All these and addresses or in accurate XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX and XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX.
Product: Credit card

My payment for XXXX was due on XX/XX/XXXX. I made my payment online on XX/XX/XXXX for {$50.00}. Payment shows online as posted on XX/XX/XXXX. Payment was never credited to the account. It came out of my bank account on XX/XX/XXXX. Since then they have charged me a late fee of {$25.00} and still have not credited my payment that they show posted on XX/XX/XXXX. I have been on hold with them since XXXX this morning unable to speak to an agent. I do not know what is going on with their system but I need to be able to speak with someone to get this fixed. I have never been late on my payment.
Product: Mortgage

Complaint Regarding Credit Report Fee Charged After Loan Denial Dear CFPB, I am writing to formally file a complaint regarding a credit report fee charged by [ both XXXX XXXX  XXXX Better Mortgage ] in connection with a recent loan application. The issue concerns the fee of [ {$200.00} by XXXX & {$150.00} by Better Mortgage ] that was charged to my account even though my loan application was denied. 

Details of the Complaint : XXXX XXXX : XXXX. Loan Application Date : [ XX/XX/year> ] XXXX. Fee Amount : [ {$200.00} ] Better Mortgage : Loan Application Date : XX/XX/year> Fee amount : {$150.00} XXXX. Reason for Complaint : The lender charged a non-refundable credit report fee but did not sufficiently disclose this policy before I submitted my application. 
I believe this practice may violate transparency and fair dealing principles under the Real Estate Settlement Procedures Act ( RESPA ) and other applicable consumer protection laws.

Supporting Information : The lenders terms and conditions failed to provide clear, upfront disclosure about the non-refundable nature of the credit report fee in case of a loan denial.

Impact on Me : This unexpected charge has caused financial inconvenience and raised concerns about the lenders practices. I believe such fees should only be imposed if properly disclosed and justified under the law.

I kindly request that your office review this matter and take appropriate action. Please let me know if additional information is needed to proceed with the investigation. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt collection

This account is not mine, and needs to be removed from my credit report. I've already disputed it before, and it's still showing on my XXXX and XXXX report.
Product: Vehicle loan or lease

My information was exposed in that data breach also a card of XXXX XXXX is on there as well i have been exsposed again.