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

Please be advised that this is my second complaint with the CFPB regarding TRANSUNION. TRANSUNION has made a mockery of the CFPB and the federal law while violating my rights. TRANSUNION has caused me tremendous stress while damaging my reputation, violating my privacy, and committing fraud. 

On XX/XX/2021, TRANSUNION received my written notification stating that they have violated my consumer rights. This was sent via EXPRESS MAIL USPS under tracking # XXXX in which TRANSUNION sign the return receipt tracking # XXXX. TRANSUNION has failed to comply with the letters that were sent to them. 

On XX/XX/2021, I XXXX XXXX submitted a complaint with the CFPB under complaint # XXXX, complaint # XXXX, and complaint # XXXX. 

On XX/XX/2021 TRANSUNION responded with the following statement : We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty 60 days from the date you submitted your request On XX/XX/2021, TRANSUNION closed the following CFPB complaints : complaint # XXXX, complaint # XXXX, and complaint # XXXX. 

Stating that This complaint lists someone the company does not recognize as their customer or their customers authorized representative which is FALSE. The complaint as well as the letter, ENFORCING my consumer rights, was submitted by me XXXX XXXX, the federally protected consumer. TRANSUNION has no right to make any ASSUMPTIONS. Assumptions are not facts. The fact is I XXXX XXXX submitted the complaint and included with the complaint identification. 

TRANSUNION has furnished a consumer report WITHOUT my written consent. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ). I XXXX XXXX never gave TRANSUNION any written consent to report anything on my consumer report. No consent is identity theft. TRANSUNION has failed to comply with my written demand to IMMEDIATELY delete multiple accounts, addresses, and inquires listed on my consumer report. 

TRANSUNION has willfully failed to comply with federal law. Congress states ( According to 15 U.S. Code 1681 ( a ) ( 4 ) ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. TRANSUNION has FAILED to comply. TRANSUNION has over 205,000 complaints showing their complete disrespect to the consumer as well as Federal Law.
Product: Vehicle loan or lease

I went on to XXXX to see what a loan would cost me. They have a personalized payment calculator. At the time they were offering 0 % for 72 months. I entered in the calculator for a {$500.00} down payment. The calculator stated the car loan would be only XXXX a month for a XXXX XXXX When I went to dealership they stated cant offer that payment. I would have to do an additional XXXX down to get that payment amount. 

They offered me 0 % for about XXXX a month. I told them I would put a XXXX down but their final offer was a payment of XXXX with a 5 % interest for 72 months.
Product: Credit card

I received an email from Capital One saying I was approved for a XXXX XXXX  My XXXX  app confirmed Capital One made an inquiry into my credit. I made a complaint with Capital One and requested the account closed. I did not request a Capital One card.
Product: Credit reporting or other personal consumer reports

This CFPB Complaint has been filed to request pursuant to FCRA 605 B ( 15 U.S.C XXXX XXXXXXXX XXXX XXXX XXXX XXXX$8800.00} XXXX. XXXX XXXX XXXX XXXX {$9200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$360.00}. 

These accounts have resulted in several fraudulent hard inquires and fraudulent collection appearing on my consumer report. All of the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I had attached a copy of my FTC identity theft criminal report ( XXXX ) as proof from the us federal trade commission that all of the aforementioned consumers credit accounts, collections, and hard inquires, are the results of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I was vacationing in XXXX on XX/XX/XXXX and my phone and credit card was stolen out of my pocket while walking down the street. I closed the credit card and reported my cell phone as stolen with XXXX, XXXX, and the XXXX Police XXXX On XX/XX/XXXX I received a text message from an unknown number telling me that my phone was found and I had to log into XXXX to view it's location. After inputting my phone password I realized I had been victim of a phishing scam to access my cell phone. About 30 minutes later I check my email and got a notification from Wells Fargo that I had used XXXX to send {$1000.00} to " XXXX XXXX. '' I was able to track my call phone and it was in XXXX when the transaction occurred. Within 2 minutes I call Wells Fargo and report the fraud. They interview me and tell me they will open a case. A month goes by and I don't hear anything from Wells Fargo so I call them to get an update on the case and they tell me that my claim was denied. They said that after " conducting an investigation '' they found that it was not fraud and the transaction had been authorized. I asked how they were capable of conducting an investigation without giving me the opportunity to provide any evidence. They then sent me to a de-escalation team. I asked to appeal the case and they person I spoke to told me that there was nothing they could do and they could not reopen the case. So I hung up the phone and called again in an attempt to talk to someone new, and the new person told me that they would reopen the case and they would send a letter to me home with information on how to submit documents to aid the appeal. The letter never came. So I call again about 3 weeks later and again I was told they could not reopen the case and there was nothing they could do. So i hang up again in an attempt to get someone new and the new agent offers me an opportunity to reopen the case and gives me the fax number to submit documents to aid my claim. So I submit the location that my phone was at when the transaction occurred ( XXXX, while I was in Florida ) and the police reports I filed when my phone was stolen. It is currently XXXX weeks since I submitted these documents and Wells Fargo still has not communicated anything with me about the claim or why they continue to deny it.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXXXXXX Account # : XXXX XXXX XXXX. Account # : XXXX XXXXXXXX XXXX Account # : XXXX XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXXXXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I realized this debt on my credit report. I am not liable for this debt, I never had a account with XXXX, nor do I have a contract with I.C. System. This company has not provided me a signed copy of the application as I requested to validate the account. This account is a result of identity theft and reported to FTC. It is a violation of FCRA to report inaccurate and unverifiable information.
Product: Checking or savings account

This my the second complaint against Capital One Bank.Case number is XXXX was closed. 
I received letter with all information about sender and recipient details.Someone opened a fake email address and a fake phone number in my name that I never had.In response to my request call XXXX XXXX customer service at XXXX to make sure that I never had an account with them.I had to call Capital One Bank several times to explain the situation why was the money withdrawn and no one notified me. When in the month of XXXX I demanded that money should never be send through the XXXX XXXX money continued to be withdrawn from my account.I ask you to seriously deal with the current situation. Currently many thousands of Americans are suffering from loss of money because personal information is stolen. Instead of the bank helping their customers to return the money, they take the side of swindlers and scammers. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance Owed : {$550.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$610.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$580.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX, XXXX & XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance Owed : {$640.00} ; XXXX, XXXX & XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$940.00} ; XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$640.00} ; XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Owed : XXXX ; XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX : {$940.00} ; XXXX XXXX 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 XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

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. XXXX ) 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.
Product: Debt collection

Security Finance without my knowledge or with out me signing loan papers found family members numbers and contacted them and spoke about the " loan ''. They also contacted my workplace and spoke with them about the loan. They wantedHRs number and address to strike a deal to garnish my wages with no court order.
Product: Vehicle loan or lease

I got a loan from santander bank and between them and the dealer where the car was purchased a better way is the name of the dealer ship. They gave me a loan I can not afford I bring home XXXX a week and my car payment is XXXX a month. I live in XXXX and the car dealership is in XXXX The dealership had us there for several hours had us put insurance on the car before they said what the loan amount would be even though I asked what the payment would be the salesman said I do not know you have to ask the finance department. I know that santander has already had to pay a class action lawsuit against them for the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, and accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files, Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX and Fraudulent Accounts : XXXX XXXX XXXX XXXX : {$15000.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$780.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXX {$0.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Debt collection

15 usc 1692c ( c ) which states : If a creditor notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications.
Product: Credit reporting or other personal consumer reports

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 

XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent a formal dispute to Equifax regarding accounts that were reported on my credit report as a result of identity theft, specifically relating to a bankruptcy filed in XXXX, which I did not initiate. Along with my dispute, I submitted the following supporting documents : An FTC Identity Theft Affidavit. 
A XXXX, XXXX  Police Report detailing the identity theft. 
A copy of my personal identity verification documents, including my XXXX  drivers license and Social Security card. 
The bankruptcy, which was filed in XXXX, and the fraudulent accounts associated with my name were reported on my credit file despite my living in XXXX  for the past nine years. My XXXX  drivers license was issued on XX/XX/XXXX, and is valid until XX/XX/XXXX. 

3. Equifaxs Response I received a response from Equifax rejecting my request to block the fraudulent accounts, citing section 605B ( c ) of the Fair Credit Reporting Act ( FCRA ) as the basis for their refusal. Despite my clear evidence and the police report confirming that the accounts are fraudulent and linked to identity theft, they continue to report the erroneous information. 

4. Legal Grounds for Complaint Under section 605B of the FCRA, a consumer is entitled to have information blocked from their credit report if it is a result of identity theft, provided they submit : A police report confirming the identity theft. 
A sworn statement detailing that the accounts were not authorized by the victim. 
I have provided both a police report from XXXX, XXXX, and an FTC Identity Theft Affidavit. According to the law, Equifax is required to block these fraudulent accounts within four business days of receiving such documents.
Product: Checking or savings account

Hello, so in 2021 the PPP Wave  was going around and me being a business in real life I wanted to get one for my business funds because Im young and coronavirus had really came and messed up my money flow and I knew that would help me get back to where I wanted to be in life. So I paid someone to do the loan for me and I was approved for XXXX. I had just received the loan in XXXX I had not spent too much of it and I had just got everything together I had got it transferred into my personal bank account because I had just got all my stuff together and I didnt have my business account routing number and stuff so I got it deposited into my personal and I was going to move it into my business account because I was going to spend stuff on my business card FOR MY BUSINESS. And the other bank was so slow opening up my business account waiting on documents they finally opened it in XXXX!! It had been a whole month tho since and my money was still in my capital one account. But on XX/XX/2021 I went to the bank to get a {$100.00} out the atm for my moms XXXX XXXX XXXX and the teller lady started going through my deposits snooping while I was at the window waiting and started asking questions about my deposit, she then locks my account, Ive talked to 100 people since then about getting the account unlocked Ive sent trade name documents in and everything I received a case number but still no help my loan is also forgiven the money is jus sitting in my capital one account which is still open collecting interest I think they just want to collect interest because its been almost a year and they still holding on to money that belongs to me & its forgiven by the XXXX. So its just free game and I need it, please help me get it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am tired of getting the run around! I have verified my identity several times regarding this matter ; I have called and emailed every company that I was advised to do but nothing has been done. I have not authorized XXXX XXXX  XXXX to run my credit! XXXX XXXX XXXX has distributed my report with out my knowledge & consent on these dates! 
XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I did not give this permission!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I contacted XXXX, XXXX  and Transunion Customer service and fraud department to inform them that they are reporting inaccurate information on my credit reports which is affecting my scores. There are multiple credit Inquires that I did NOT authorize. I contacted the companies that reported the inquires, asking them to remove them because they are NOT authorized by me. They informed me to contact the credit bureaus in regards to having them disputed and removed. I 've been getting ping ponged between XXXX, XXXX, and transunion as well as the companies reporting the inaccurate information to no avail. I 've included a copy of my official XXXX credit report highlighting the inaccurate information. I was already a victim of the XXXX Data Breach Fiasco previously and I should n't have to continue to deal with issues like this. I am asking for assistance in getting this inaccurate information removed from my credit report because It is causing detrimental harm to my credit. I am in the process of purchasing my first home and to have to go threw this is ridiculous.
Product: Bank account or service

Chase Bank permitted a scammer company to place {$12000.00} on my credit card account. I had no knowledge of the charge amount ; I did not authorize ANYONE TO USE THIS ACCOUNT NOR DID I GIVE ANYONE THE CARD NUMBER. I am the only authorized signer on this card!. This {$12000.00} was also put on my credit card AFTER I had closed all accounts at Chase Bank!! 
I have complained about this situation in the past. Chase Bank has now charged off this amount but that has decimated my credit score and has resulted in my not being able to secure a mortgage.
Product: Debt collection

I had a message left on my Oregon cell phone fromXXXX on XX/XX/XXXX at XXXX XXXX   that XXXX XXXX " personal locator '' was calling about some legal document. 

I called back and they said I had a payday loan from XXXX I had not paid. I gave her my debit card number and she charged {$250.00} at XXXX XXXX. 

When my wife got home she told me it was a scam or illegal collections practices because The statute of limitations in Washington is 6 years. I was never informed there was any balance after I paid it. I was never served by anyone. I have never been contacted by anyone about it before today and it does not appear on my credit.
Product: Debt collection

Repeated phone calls from " XXXX, '' that does not give any account info. Just to go on XXXX to handle debt. Went to site but, after researching my credit reports, debt was paid in settlement on XX/XX/year>. Emails to their contact address have gone unanswered and calls continue to happen daily, multiple times.