23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is illegally reporting an item that was included in my bankruptcy I have submitted a dispute showing where that same account with the same amount and date opening was included in my bankruptcy. XXXX defense was that your bankruptcy was filed in XXXX and the account was opened in XXXX. Well originally it was a XXXX XXXX, I converted to a XXXX XXXX  which wiped all my debt on XXXX. The attorneys continue checking your credit and adding any new credit to the bankruptcy because you cant have any until after discharge so it was included in my bankruptcy before I discharged in XXXX.
Product: Credit reporting or other personal consumer reports

American Honda Finance XXXX XXXX XXXX XXXX, Texas XXXX XXXX. My credit report states that I have a missed payment in XXXX. That is incorrect. Payment History states that I paid on XX/XX/XXXX, an Extension Tax in the amount of {$75.00} ( because I extended my lease ) and made a bulk payment of {$570.00}. 

XXXX. I sent two ( 2 ) letters to the above address describing an issue with auto-payment because I was advised by a Honda Representative to do so. 

XXXX. Honda never responded to my letters, with my 2nd letter dated XX/XX/XXXX. 

XXXX. My loan has matured and Honda expects me to either to buy or re-lease a vehicle. However, it seems that Honda is tanking my credit score in order to negotiate on better terms or prevent me from leasing from a competitor. 

XXXX. My payment history was 100 % timely since I started leasing from them in XXXX. 

XXXX. I request that all months are marked as CURRENT and any derogatory remark removed from my credit report.
Product: Credit card or prepaid card

My XXXX stubs account was hacked and used to purchase a A-List Membership gift card and sent to someones email for XXXX. I immediately called Capital One and was told that it will be filed as a fraud charge but I have yet to hear anything else about it and it has been almost a month.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the XXXX submitting this complaint and there is no third party involved. 
I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX BANK XXXX XXXXXXXX
Product: Checking or savings account

Yesterday on XX/XX/24 I was at the grocery store and went to go check out with my Robinhood debit card. I had money in my checking and the card kept getting declined. Come to find out robinhood put a restriction on my account for a security review I called them and gave them all the info that they requested and explained to them that there had been no unauthorized charges and no one else beside myself had access to my account. They then said they would submit my answers to their team dedicated to this issue and get back to me in XXXX business days. I explained to them I was at the grocery store my kids needed food for the weekend and I needed access to my money in my checking. They did not care and just kept giving a generic answer that their review team would get back to me. This is crazy I need my money I need to buy groceries and gas to get to work. I did nothing wrong for my account to be restricted like this especially after I provided them all the info they requested. I need access to MY money in my checking account how can they just do this?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was scammed by a person that was able to hack my work app. I work for XXXX and they contacted me from the companies phone number. While speaking to me they were able to see my location and everything going on, on my XXXX app. When you speak to people from the company they can see that information. This is where it went wrong. 
I don't know if the guy was able to mirror my phone or what but he said they were updating their system for payments. I had to sign into my bank app from my phone to get some XXXX information. About 30 seconds after I was on my app I was hung up on. I immediately had a bad feeling and checked my acct. XXXX $ was transferred through XXXX to the scammer. His email came up as XXXX and phone number XXXX on the XXXX transfer. 
I contantacted the bank immediately. The second person i spoke to at the bank bank tried to make it sound like I gave him my information when I gave absolutely no info to the scammer. I have called and complained XXXX times to the bank on this issue but they are claiming there is no fraud. I made a police report to XXXX on XXXX XXXX NY. The Police report number is XXXX ( identity theft XXXX ). The number for XXXX XXXX is XXXX. 
I don't want to have to take legal action but that will be the next step if there is no resolution.
Product: Money transfer, virtual currency, or money service

Will not let me link my bank account to my XXXX  account, I am currently with PNC bank and when I attempt to set up an auto transfer program it sent a message saying they were having trouble connecting
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX I filed disputes with the Experian, XXXX  and XXXX. It was my understanding that they have to reply within 30 days of my dispute. They have not done so yet. It now going on almost 60 days which is unacceptable.
Product: Credit reporting

Todays date : XX/XX/XXXX Dear To Whom It May Concern : XXXX XXXX, CA XXXX XXXX XXXX, TX XXXX Equifax XXXX, GA XXXX I recently pulled a copy of my credit report and found that you are reporting the following account on my credit report that should be removed immediately. At one time I was an " Authorized User '', however, I requested to be removed as an authorized user a very long time ago. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$19000.00} REV {$14000.00} MIN {$290.00} {$0.00} XXXX AS AGREED XP/TU/EF AUTHORIZED USER XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4500.00} REV {$2200.00} MIN {$64.00} {$0.00} XXXX AS AGREED XP/TU/EF AUTHORIZED USER Per the Fair Credit Reporting Act, if I am not a joint owner, or co-signer of an account it should not be reported on my credit profile. I am requesting that you contact the creditor to confirm that I am not an owner of this account and that I am no longer an authorized user, and remove it from my report as soon as possible. 
I look forward to receiving a copy of my corrected credit report. 
Thank you for your help. 

Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Product: Debt collection

The car was total out and they did not include the two years payments that I made
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I filed for bankruptcy, my lawyer included my car loan in the bankruptcy against my directions. The loan was paid in full. I have the title and the letter from the bank that states these facts. I have filed a dispute with XXXX and they still have not changed the info on my credit report. This is very, very unfair. I paid the loan off either on time or maybe 1 month late. I am not sure. Please Help!
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( c ) and XXXX XXXX. XXXX. 

Unauthorized Inquiries : XXXX XXXX XXXX. XXXX ( c ), a consumer reporting agency XXXX only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inquiries were unauthorized and are negatively affecting my XXXX XXXX. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 

XXXX Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$430.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/year> XXXX. XXXX XXXX Account Number : XXXX Balance : {$480.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/year>XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$270.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/year> XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$86.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/year> XXXX. XXXX XXXX Account Number : XXXX Balance : {$100.00} Account Status : Charged off, reported by creditor. 
Date Reported : XX/XX/year> Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my XXXX XXXX and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. USDOEXXXX XXXX {$81000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt. in fact therefore exist 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit card or prepaid card

On XX/XX/2023 I applied for credit with AMERICAN EXPRESS and was denied. This is a violation of Equal Credit Credit Opportunity Act which is codified in 12 CFR Part 1002, also a violation of 15 U.S.C 1681m. This is proof of fraudulent activity ( unauthorized use of credit card 15 USC 1602p. The Card applied for was an AMERICAN EXPRESS Amex Card with a {$50000.00} limit and 110,000.00 flyer miles.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent an dispute letter and hard inquiry removal letter to all three credit bureaus Experian, XXXX, XXXX  XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear transunion, This is the message I sent to XXXX  XXXX  I expressed to you that I did not want to be contacted by you anymore. You have since called me twice and emailed me four times. According to, 15 U.S. Code 1692c - Communication in connection with debt collection, you are not authorized by law to continue any communication after I ask you to stop. you are not authorized to send any information to anyone about any transactions or experiences. Since, I see this in my consumer report from Transunion, XXXX, and XXXX, this is an error so would you be so kind to delete this account from my report. Also, under 15 U.S. Code 1692b - Acquisition of location information, when you called me a few days ago, your agent did not tell me who he was, he just repeating can I speak to XXXX XXXX. 
15 U.S. Code 1692d - Harassment or abuse, the agent called and after I said hello twice he hung up and called right back. He never once stated he was on a recorded line or state his name. He harassed me by repeating my name over and over and never saying his name or why he was calling. After being irritated with him during the time he called me during my sleep, he said his name is XXXX then he hung up on me because he didnt want to talk anymore. I called back and the next agent did tell me her name and that we were on a recorded line, I told her to take my number off the call list and stop contacting me because I only deal with people who are respectful and have common sense. 
15 U.S. Code 1691 - Scope of prohibition You can not charge me a high interest because of whats in my credit report. Also, you can not do it because of the color of my skin as this is discrimination.

Please delete this account from my consumer report and clear the account from me owing anything else thanks!

Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES 1681a. Definitions ; rules of construction ( 2 ) Exclusions. The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; You are reporting Transactions and Experiences and also, I did not give you permission to report this account on my consumer report.
Product: Student loan

I contracted with the Student Loan Care ( studentloancarecompany.com ) to apply the federal student loan forgiveness program on XX/XX/XXXX. They said they would pay for my loan one year instead of me, then I need to pay for them {$42.00} every month. I believed their services and I did not care well about my student loan payment. 
However, I had to pay {$45.00} every month to XXXX XXXX XXXX as well as XXXX XXXX automatically charges monthly {$42.00} immediately from my bank account. 

In XXXX, I realized my loan balance increased and paid nothing for a while. I just found the record my little paid. I have tried to contact and cancel with the XXXX XXXX XXXX XXXX, and then stop the payment to XXXX XXXX. They said I can not cancel until my paid off. I didn't understand why I have to pay them every month for my federal student loan. They did not pay for anything but gave me a damage of my credits. 
I have NOT received any services or notification from these companies for my loan payment. I was SO upset and complain them, but they are still taking {$42.00} every month from my account. I confirmed with XXXX XXXX XXXX that they are not associated with these companies. I already paid them over {$1200.00}. But my XXXX XXXX balance is not changed. 
The Student Loan Care and XXXX XXXX are defraud to threatening student finance. 

And, I am very wondering how they know my federal loan balance and personal information. I am assuming XXXX XXXX serving or XXXX leak out students ' information. 
So that they are running their business without any association of Federal government. 
I got phone calls SO MANY TIMES from this kind of companies. They said all same words to concern my loan balance and help me. It was not only The XXXX XXXX XXXX XXXX. 

I would like you resolve this problem ASAP. Thank you.
Product: Mortgage

I have reached out to Freedom Mortgage multiple times to try and get an FHA mortgage forbearance due to the coronavirus pandemic and they keep denying the mandated guidelines for allowing borrowers to access the special forbearance. They keep saying all I can do is apply for a 3-month forbearance and at the end of the 3 months I would need to pay all 3 months plus the 4th month at that time ...? What sense does that make? Its nonsensical. I even read them the guidelines from this site back to them. Also, to shove it in our faces, even more, they have a XXXX post on their page with the video from the CFPB on the guidelines of the COVID forbearance.. I along with other customers leave comments but they delete them as soon as we put them up ... Shameful..
Product: Consumer Loan

This is my second complaint. TD Bank continues reduce my credit limit after I make large payments. My credit limit was originally approved for {$8000.00} then reduced to {$5000.00} now it is reduced for {$4000.00}. 

I am being penalized for paying off my loan early. In addition, they do not communicate the change in credit line on my statement, in a letter or email. In fact they have removed my credit limit line item on my statement. It always states zero now. 

They are negatively impacting my credit score when in fact it should be positively impacting my credit score.
Product: Credit reporting

Despite my filing XXXX disputes with Equifax ( see enclosed ), they refuse to remove a medical bill ( see enclosed statement from the XXXX ) that was charged off on XXXX XXXX, 2013. This negative does not appear on my credit reports from XXXX, XXXX or XXXX and is no longer on file with XXXX ( see report from XXXX ). This single bogus and baseless negative item is preventing me from obtaining a loan for a home. Supporting documents are enclosed.
Product: Credit reporting or other personal consumer reports

XXXX to XXXX I have made a complaint against TransUnion in reference to XXXX account that was being reporting. I have attempted to invoice since removal and receiving my proof of claim. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.