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

I am writing to dispute the following fraudulent account on XXXX and Transunion the FCRA. 

Fraudulent Accounts : XXXX XXXX XXXX Account Number : XXXX I am requesting this account be removed immediately under the FCRA XXXX specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681 ( 5 ), and 15 USC 1681c ( c ). As per Law 605 B, this fraudulent account should be removed from my credit reports. XXXX XXXX has been sued by the CFPB ( case name ) " Consumer Financial Protection Bureau v. XXXX XXXX XXXX XXXX XXXX '' ) The lawsuit highlights XXXXXXXX XXXX failure to conduct proper investigations and remove or reinsert errors on consumer credit reports. It is very important that your company address this matter. I am requesting a prompt investigation of this matte and the removal of this account as mandated by the FCRA. 

Furthermore, As of XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) The ruled that Medical Debt will no longer report on consumer credit reports. CFPBs action will ban the inclusion of medical bills on credit reports used by lenders and prohibit lenders from using medical information in their lending decisions. The rule will increase privacy protections and prevent debt collectors from using the credit reporting system to coerce people to pay bills they dont owe.

PLEASE CONDUCT A PROPER INVESTIGATION AND REMOVE THE MEDICAL COLLECTION IMMEDIATELY!
Product: Debt collection

I had XXXX collection is from medical payment, the payment should be my previous insurance company cover the bill, but I dont know why I got the collection, no one call me or mail me. And I dont even know is what kind of bill it is. The amount is {$1700.00}. The date is XXXX XXXX
Product: Vehicle loan or lease

I purchased a car from XXXX XXXX XXXX on XX/XX/XXXX and the car broke down on XX/XX/XXXX. I was given a loaner car which resulted in my son and I being very sick, we stayed in that car until the end of XXXX in which they finally had fixed my car and gave it back to me. I was able to drive my car about XXXX weeks before it started to break down again, the car has been at XXXX XXXX XXXX for about XXXX weeks now unfixed. I rented a car from XXXX XXXX on XX/XX/XXXX in which I just found out that XXXX XXXX XXXX XXXX XXXX XXXX ) owns the rental place as well in XXXX  NC and I was stopped last night when I got off work from XXXX  I was on XXXX XXXX when the police told me that the tags on the XXXX XXXX XXXX were expired and there was a warrant for the owner XXXX XXXX arrest. I returned the car this morning and they tried to get me to pay for the car as well as pay for another car so that I could rent it.
Product: Credit reporting or other personal consumer reports

My identity was stolen and my personal information was used to open a Capitol One Credit Card Account for {$530.00} in my name. My information was stolen in the XXXX Data Breach.

I have sent proof to Capitol One that my information was stolen and used to acquire a {$530.00} credit card. I have attached the police report, my credit report, and my identity theft report to this complaint.

These refuse to send the 1099 C form where it stated this debt was a charge off and they refuse to remove the fraudulent debt from my credit profile and report.

IF YOU REFUSE TO DELETE AND BLOCK THIS FRAUDULENT DEBT FROM MY CREDIT PROFILE AND CREDIT REPORT I WILL REPORT YOU TO THE IRS FOR STATUTORY FRAUD AND YOU WILL BE FINED.
Product: Debt collection

Global client solutions llc tried to make payments and wont except what I can pay started out as owe XXXX now XXXX turned over to a lawyer now calls from them telling me what I have to pay I am on fix income and been XXXX don't no were to turn also a bank called XXXX  XXXX  wants XXXX its a on on thing calling going to turn over lawyer I told all them going in XXXX  XXXX XXXX  said wont except them!
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT.

PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXXXXXX XXXX IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. 
CFPB-XXXXXXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Checking or savings account

I was out of the country from XXXX XXXX when my account was compromised. There is a total of {$7100.00} worth of fraudulent transactions that were made while I was out of the country. I came back to the US and immediately contacted Chase to dispute those transactions and was constantly at the bank for hours trying to resolve my account issues. I opened a new account and closed my online access so the person who stole my money would not have access to my account anymore. I gave proof of my plane ticket and a police report because I am a victim of identity theft and that same week I had multiple credit cards opened in my name without my permission. My phone number was ported out and my email address was hacked which is how my personal information was stolen. I told chase my situation and after XXXX months of back and forth they stated that the device the transactions took place were consistent with my device. I never had XXXX XXXX with chase on my phone but they said they didnt see any fraudulent actions or alerts sent out so they cant reopen the investigation. They even decided to close my account. I have been a longtime chase customer and they have not been helpful at all. I told them that those transactions dont even match my usual shopping activity and yet they dont want to reinvestigate or reopen my claim. Below I attached pictures of the transactions made from XXXX XXXX where fraud was happening even after I returned and closed my old bank account and opened a new one. If chase looks at my previous spending I did not shop using most of these places and yet they state that it was me because of my device. Chase gave me temporary reversals only to take it back and is refusing to give me my money back.
Product: Checking or savings account

Deposit to regions bank XX/XX/XXXX of {$19000.00} Bank then sends us a letter that letter stating that they are holding the funds for more than 7 days - they are holding for 10 days because they have an anonymous source that states the funds may not be paid I called client who gave me funds and she said money was taken out the same day and that her bank XXXX XXXX XXXX states that Regions Bank had the money within 3 days which is prior to the date they sent me the letter. 

Funds were paid but the bank is sending letters of lies in order to keep funds longer so they can use them. Plus they are making the statement that the other party may not honor their check! 

Deposit into regions bank XX/XX/XXXX of {$74000.00} Bank sends us an email that they must hold the funds longer than 5-7 days because they have yet an anonymous source that states the funds may not be paid This check if from our XXXX XXXX XXXX. I have no doubt that the check will be paid and again Regions has put another lie in order to use our money for a longer period of time. 

I can not be the only person who is being fed a series of lies in order for them to use our money ... they need to be reprimanded ...
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX Bank ( Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Please delete the following hard inquiries from my credit report, as they were conducted in violation of 15 USC 1681b. I have not authorized these inquiries, and they should be removed promptly to correct my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

The bank is not sending information over to my  XXXX  app for me to use it properly. Please update my current information with  XXXX .
Product: Credit reporting or other personal consumer reports

I didnt authorize this companies to run my credit removal this 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I had a credit with Chase XXXX XXXXs for {$530.00}. 
On XX/XX/2022 I used the credit to purchase a ticket through Chase XXXX XXXX 
The Ticket cost was the same {$530.00}. 
Despite this Chase charged my credit card {$150.00}. 
i messaged Chase and the referred me to the Chase XXXX XXXX  telephone number. I was stuck in a loop of representatives, where no onw could explain the charge or remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX {$0.00}.
Product: Credit reporting or other personal consumer reports

I have previously disputed this issue and have not found success. I feel that my issue is not being reinvestigated correctly. Please help me golden experian accoutnable. The inaccuracies and identity theft pertain to my credit report with Experian, specifically related to my auto loan account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with the account number XXXX. This accounts inclusion on my credit report without my authorization violates my rights and is a form of identity theft, as defined by 12 CFR 1022.3 Definitions. Enclosed, please find supporting documentation, including aft report, copy of my credit report, lien release statement, satisfaction statement for the auto loan, physical title of the vehicle with the lien holders name removed, Experian credit reports from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2023, and necessary documentation as per 15 U.S.C. 1681c-2.
Product: Checking or savings account

I first called in mid XXXX to let the bank know that the transaction on XX/XX/XXXX was not valid as I did not receive the clothes that I had ordered, I had already spoken to the vendor who states that due to them having a tracking number they were unwilling to help. Over the next several months I contacted the bank no less than four times inquiring about the status of the dispute, each time being told that there was no further information and I should be getting something in the mail which I never did. On my last two calls I was told to expedite the claim I should write a statement and fax it with the appropriate claim number and transaction information. The letter was faxed on XXXX the XXXX XXXX XXXX  Pacific Time, with a fax confirmation, I confirmed with the agent on the phone that I did indeed have the right fax number and did indeed have the right claim number however they did not have any record of me faxing anything to them. I was suggested to mail something via U.S. Postal 2 appeal my claim, which was news to me considering I didn't know that the claim was denied to begin with. I spoke to a account supervisor in client relations named XXXX ID XXXX who was nonchalant, inconsiderate and refused to provide any assistance. When I inquired about the fax that I sent, his response was that they did not have it so perhaps I should send it in the mail. Having a fax confirmation meant nothing to him and the fact that I had been in contact with the bank no less than six times regarding this matter seemed unimportant. I just want my money returned. 
XX/XX/2021 {$81.00}
Product: Credit card or prepaid card

I have a Bank of America XXXX XXXX. When I received the card, I also received a booklet " XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. On page XXXX it describes XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( " ... are injured or become sick during the triip... you are covered for transportation ''. ) I experience an emergency in XXXX ( XXXX; XXXX XXXX XXXX hours and had blood work and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and had to return to XXXX for treatment. I have hospital documentation, and I have seen a XXXX when I returned for follow up. When I called Bank of America to receive a claim form the agent told me I don't have that coverage. How does this get resolved if they claim I don't have a coverage I clearly believed I did and is in writing? This seems shady. 
The travel agency handled the return fare but I had to use my credit card. This charge should be credited back to me. 
I have not filed a lawsuit or arbitration. 
XXXX Tours {$1300.00}. 
XX/XX/2022 I would like to work with them to file a claim for this trip interruption benefit from XXXX. 
Last 4 digits of credit card XXXX
Product: Student loan

Edfinancial transferred my loans to their new system, which required registration for a new account. My loans were still being serviced by Edfinancial under this new system. After registering, my loans reflected different, higher balances than what were previously shown on their old system. I contacted customer support who said they can only put in a request to investigate the issue and won't give me a timeline of when that will be completed. It has been frustrating dealing with this company, as I've previously filed complaints for them recently where the misplaced funds from payments I made towards my loans, as well as issues registering for their new system.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Owed : {$0.00XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple identity theft reports on behalf of this account on my report Experian still continues to post these account on my report XXXX XXXX XXXX
Product: Debt collection

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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, credit repair services, or other personal consumer reports

Pursuant to the FCRA, it is EQUIFAX 's grave duty and responsibility to report CORRECT and ACCURATE information on my credit report and file. However, they are not doing so. EQUIFAX is reporting inaccurate late payments for the XXXX/ DEPT OF ED account ending in XXXX. These inaccurate late payments include the report of 120+ days past due on XX/XX/2018, XX/XX/2018 and XX/XX/2018. This is INCORRECT and is supposed to be reporting PAID AS AGREED. Moreover, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A late payment constitutes a " transaction ''. Therefore, the reporting of the inaccurate late payments results in the EQUIFAX violating my federally protected consumer rights. Furthermore, I did NOT give EQUIFAX written instruction/ permission to furnish inaccurate late payments on my report and file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is VERY clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the reporting of the inaccurate has caused me and my reputation severe hard and discrimination.
Product: Credit reporting or other personal consumer reports

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Threatened me over the phone to damage my credit. Please see attached documents. This corporation received the original notarized letter
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the credit bureaus regarding their failure to conduct a proper investigation into my credit report, which has been involved in multiple data breaches. Despite repeated attempts to rectify this issue, the credit bureaus have continuously ignored my requests and failed to address the inaccuracies and potential fraudulent activities on my credit report. 

I have been a victim of identity theft, resulting in unauthorized accounts and fraudulent activities appearing on my credit report. I have taken immediate action to protect my personal information and have filed police reports regarding these incidents. However, the credit bureaus ' lack of responsiveness has further exacerbated the situation, leaving me in a vulnerable position. 

I have followed the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ) by submitting dispute letters to all three major credit bureaus Equifax, XXXX, and XXXX. Despite submitting these disputes with all the necessary supporting documents, I have not received any meaningful response or resolution. 

Furthermore, I have made numerous phone calls to the credit bureaus ' customer service departments, only to be met with long wait times, unhelpful representatives, and a lack of progress. The credit bureaus ' failure to conduct a thorough investigation into my credit report not only violates my rights as a consumer but also perpetuates the damage caused by the data breaches.

I urge the Consumer Financial Protection Bureau to intervene in this matter and ensure that the credit bureaus carry out a proper investigation into my credit report. I request that the credit bureaus promptly : 1. Conduct a thorough investigation into the inaccuracies and potential fraudulent activities on my credit report, considering the evidence and supporting documents provided.

2. Remove any unauthorized accounts, fraudulent activities, and inaccurate information from my credit report.

3. Provide me with a detailed report of the investigation 's findings and the actions taken to rectify the issues.

4. Implement measures to prevent further unauthorized access to my credit information and ensure the security of my personal data.

I appreciate the Consumer Financial Protection Bureau 's dedication to protecting consumers ' rights and ensuring fair practices in the financial industry. I trust that you will take the necessary steps to address this matter and hold the credit bureaus accountable for their negligence. 

Please find enclosed copies of relevant documents, including the dispute letters and police reports, which support my complaint. I kindly request that you acknowledge receipt of this complaint and keep me informed of any actions taken. 

Thank you for your attention to this matter.