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

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of auto loan XXXX XXXX XXXX # XXXX, student loan DEPT OF EDUC XXXX # XXXX, DEPT OF EDUC XXXX # XXXX, XXXX  XXXX # XXXX. XXXX  # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I have filed two disputes in XXXX and XX/XX/2024 regarding XXXX  CC inaccurately reporting on my credit report additionally I provided supporting documentation showing XXXX  CC was not included in the bankruptcy. I spoke with XXXX and they closed the account because they received notification my XXXX  XXXX was XXXX but they were never involved. They opted to close the account.
Product: Payday loan, title loan, or personal loan

these types of loans are predetory i am in a repayment plan with them for my account # XXXX and even this payment plan is only payiny interest nothing going toward principaly. they still want 541 a month whihc was being paid consitent until ebenfts got cut since them i have had a death the the family and im willing to repay t but need to make pyaments once can fford not payments that are insterest only and are not getting me anywhere.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$8300.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

May I Inform you that you dont have the right to just IGNORE OUR COMPLAINTS? It has come to my attention that your organization has, in a manner that can only be described as gross negligence, failed to block fraudulent accounts on my credit report despite ample evidence and repeated attempts to rectify this situation. Frankly, I am appalled by the incompetence displayed by your organization in handling this matter. YOUR INVESTIGATION OF THIS ISSUE WAS FULL OF XXXX!! YOU REQUIRED SUCH PROCESSING THAT DOESNT DO ANY HELP TO OUR PLEAS!!!! WHAT AUTHORITIES DO YOU UPHOLD THAT YOU JUST IGNORE OUR COMPLAINT!? 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is my duty to inform you that this situation has far-reaching consequences for my financial stability and well-being. I have been a victim of identity theft, and it is well-documented that these fraudulent accounts are causing severe damage to my creditworthiness. I have repeatedly submitted the necessary documentation to prove the fraudulent nature of these accounts, yet your investigation has been nothing short of lethargic and agonizingly slow. 
This is not a matter that can be brushed aside or treated with indifference. The presence of these fraudulent accounts on my credit report is jeopardizing my ability to secure loans, obtain credit, or even access essential services. It is causing me unnecessary stress, anxiety, and financial hardship, all of which are entirely your fault due to your inexcusable delays in resolving this issue.
Product: Debt collection

This is to express my extreme frustration and indignation at the persistent and utterly unacceptable inaccuracies in the reporting of my credit history. It has come to my attention that your bureau is erroneously reporting late payments on my account, despite the fact that all payments were made in a timely manner. 
Account Information : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am astounded and infuriated by your blatant failure to accurately reflect my credit history. The late payment information reported by your bureau is unequivocally false and damaging to my financial standing. 
Cease the erroneous reporting of late payments on my account. The payments were made on time, and there is no justification for tarnishing my credit history with such inaccuracies. The negligent reporting of late payments on my account is not only damaging to my creditworthiness but also a direct violation of the Fair Credit Reporting Act ( FCRA ). I am appalled at the lack of attention to detail and accuracy demonstrated by your agency.
Product: Credit card

i understand my financial obligations. i have been a long time customer and making payments on time is a major priority. 
i made the mistake in falling behind ONE time i opened account with kohl 's in XXXX Account # XXXX XXXX XXXX XXXX I lost my wallet and dept card. 
not realizing that my auto pay for Kohl 's was still with my old dept card and missed one payment in XXXX i assure that this is not a reflection of my commitment to meeting my financial obligations. 
i have taken the steps to ensure that this does not happen again in the future. 
this late payment will hurt my ability to qualify for a mortgage. it would help me immensely if kohls could give me a second chance and make a goodwill adjustment to remove the late payment from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, One Main Financial and ONEMAIN, added an inquiry to my credit report. After further investigation and research, the debtor did not call MY PHONE NUMBER AND VERIFY IF I WAS THE PERSON INQUIRING FOR A LOAN. I SPECIFICALLY HAVE A FRAUD ALERT ON MY REPORT FOR A REASON. According to the FCRA, ONE MAIN FINANCIAL has violated my rights as a consumer and I am requesting legal action to remove this inquiry from ALL THREE CREDIT BUREAUS.
Product: Debt collection

I have sent this company a XXXX adhere this company has refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter the company is not legally bonded and or insured to collect in the state of XXXX. please have this company cease all XXXX activities this my last attempt to complain outside of court. 

XXXX XXXX # XXXX XXXX
Product: Payday loan, title loan, or personal loan

The following attached information is in relation to my complaint # XXXX regarding negligent handling of my attempt to payoff a personal loan. I just received the attached information today in the mail. The letter from the USAA Federal Savings Bank claims that " Your payment was incomplete due to invalid or missing account number. '' As you can clearly see from the check that they returned to me, the loan number is clearly written underneath my signature. I have also enclosed the " Consumer Loan Statement '' I received from them five days before it was due. The loan numbers on my personal check and their loan statement are a perfect match. There is no basis whatsoever for rejecting my payment. This is willful and deliberate negligence which resulted in inexcusable extra expenses on my part to correct the problem.
Product: Credit reporting or other personal consumer reports

The whole account is incorrect they have multiple balanced across all three credit bureaus that report different balances. Also this account was dismissed and XXXX due to insufficient evidence on there end as well as statue of limitations. It was supposed to be removed from my credit report as of XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX  Account, XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I am filing a complaint against SoFi Bank for mishandling multiple unauthorized transactions on my account. These transactions were made to XXXX, an XXXX money transfer service, and I have no ties to XXXX, nor have I ever used this service. 

Details of the fraudulent transactions : {$10.00} on XXXX ( Transaction ID : XXXX ) {$120.00} on XXXX ( Transaction ID : XXXX ) {$790.00} on XXXX ( Transaction ID : XXXX ) {$360.00} on XXXXXX/XX/year> ( Transaction ID : XXXX ) After noticing these fraudulent transactions, I immediately disputed them with SoFi. However, they conducted what they call a " thorough investigation '' and denied my claims, stating that the transactions were " authorized '' despite clear evidence to the contrary.

Why SoFi 's decision is wrong : I did not authorize these transactions. 
I have never used XXXX or any XXXX money transfer services. 
I am a XXXX individual who relies on this money for essential living expenses. 
SoFi failed to protect my account from fraudulent transactions and is now refusing to refund me, putting me at risk of financial hardship and homelessness.

What I want SoFi to do : Reverse these unauthorized transactions and return my money immediately ( {$1200.00} total ). 
Provide a proper investigation instead of automatically siding with the merchant. 
Ensure better fraud protection for customers in the future. 
SoFi is violating the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which require banks to thoroughly investigate and resolve fraudulent transactions. I request the CFPB to intervene and ensure SoFi follows federal regulations.
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 XXXX to XXXX 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 XXXX XXXX XXXX Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires XXXX 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 TransUnion 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. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested XXXX To resolve this matter, I demand the following actions : XXXX a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXX a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXX 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to uphold their legal obligations under the Fair Credit Reporting Act which consists of reinvestigation of disputed information on my credit report. Which has lead to inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently took action with a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items, despite the proof i provided causing these to harm my credit standing. I am requesting immediate correction action to remove or amend the disputed accounts. This has violated my rights of the federal law.
Product: Credit reporting or other personal consumer reports

I Looked at my report back on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX are not complete and accurate. And XXXX more thing according to 15 USC 1681s-2 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: Checking or savings account

On XX/XX/2023 I had 4 unauthorized ATM transactions from my debit card. Totaling {$2100.00}. I called chase immediately and reported it and stated that my card was lost and they replaced the card and also I was told I would be credit for the unauthorized fraudulent transaction within 72 hours but they refuse to now every time I call they always say Tomorrow and Ive called multiple times and Ive yet to been credit and I need the money to be able to pay for my rent and my daughters day care!
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask SAFCO ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with SAFCO is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. *** NOTE : SAFCO ( Southern Auto Finance Company ).
Product: Debt collection

XXXX ( Seller ) breached the contract by fraud and/or negligence by providing false and/or misleading information on the sofa that the three pieces are linked together in order to induce the sale on XX/XX/XXXX. 

After I received the sofa, I found out that the three parts were not linked as promised in the email of XX/XX/XXXX. Seller refused to complete the repair as promised by sending me the links to link the sections. After failing to hear from the seller, I disputed the charge with my credit card company on the payment. I asked them to either repair the sofa or pick it up. 

However, Seller continues to enforce the sale by placing me on collection and a recording on my credit file. 
Here are the facts and the supporting documents : I ordered a sofa from XXXX in XXXX, XXXX. In the email from XXXX date XX/XX/XXXX, in response to my question whether the sofa sections were linked, XXXX stated that Each piece does have an anchor to attach it to the other pieces as well. ( See Page 1 email dated XX/XX/XXXX ) On XX/XX/XXXX, after I complained that the sofa sections were not linked, XXXX apologized in her letter dated XX/XX/XXXX that the company sent me the wrong sofa. ( see Email page 2 dated XX/XX/XXXX ) XXXX promised to send me the links to link the sections together on XX/XX/XXXX. ( see page 3 email on XX/XX/XXXX ) However, I did not hear from her for a month. On XX/XX/XXXX, I told her that I placed a dispute on my credit card company as it was Not the sofa I ordered. I asked them to send me the links or pick the sofa up. ( See page 4 of email on XX/XX/XXXX ). 
Instead of trying to help me resolve the problem, I received a collection notice and Seller threated to sue me in XXXX email. 
After I stated my reason, I was offered a five-year warranty and a medic to fix the sofa in email from XXXX dated XX/XX/XXXX on Email page 5. 
This debt collection is INVALID.
Product: Checking or savings account

CapitalOne on XX/XX/2022, froze my checking account and closed my account. I came into a branch and a teller had to call someone and they asked me questions pertaining to my account activity. I answered honestly that I had moved some money from my XXXX to my checkings account to pay a bill. They stated that the name on my XXXX did not match my legal name. I tried explaining to them it was an alias but after a while of waiting they decided to " end our banking relationship '' they had informed me that they would cash out my account excluding the {$2000.00} that I transferred from XXXX. I asked how long before the funds would be released to me, they responded by saying they could not say and that they may contact me if they need anymore information. 
It is now XX/XX/2022 I have not received any contact from Capital One, my checking account is still open with them but I am unable to access my funds.
Product: Credit reporting or other personal consumer reports

In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.
Product: Mortgage

Background : My property is scheduled for foreclosure sale on XXXX/XXXX/XXXX per communication from Chase. This said property was included in chapter XXXX BK XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. 

Issue : For XX/XX/XXXX interest payment ; I received a XXXX interest income. Please see attachment. 
How does previous BK ( where said property is listed ) be impacted by this XXXX? 
How is this going to be reported to the credit bureau? 
Can Chase XXXX a property in foreclosure process? Will I get a XXXX for XX/XX/XXXX when the foreclosure is complete?