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

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX Account Number:XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX Account Number:XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX Account Number:XXXX " I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. "
Product: Credit reporting or other personal consumer reports

I reached out to Equifax back on XX/XX/XXXX. And they have yet to remove an error thats on my credit report. There is a company by the name of XXXX XXXX XXXX which was open back on XX/XX/XXXX. Which makes this account XXXX and XXXX  months old why are you still reporting this on my credit report and refusing to remove it. Equifax is the only credit bureau that is reporting this on my credit the other XXXX credit bureau have removed this item off of my report. By law every credit bureau is supposed to have the same information on my report. Equifax by law have 30 days to give me proof or information on why this account is still on my credit and they have filed to do so and have been over 30 days. On XX/XX/XXXX Equifax sent me a letter asking me for a copy of my Id and XXXX and etc. what do that have to do with my complaint on why this company is still on my credit report and it have been over XXXX years. And online on my credit report from what I can see it say No Data Available meaning this company is not even reporting anything so why is this still on my credit report?
Product: Debt collection

This debt is not mine. I repeatedly was called about this debt 3 years ago and everytime I ask for a break down of what they claim I own I never get anything from them. They flagged my credit twice in XX/XX/XXXX and they again flagged my credit two more times on XX/XX/XXXX and again on XX/XX/XXXX. Everytime the flag my credit the amount fluctuates I have already called sever times and never get anywhere with them about this debt that's not mine. I have spoke to this debt collection company in over 3 years I thought this was already removed until this month when they flagged my credit 2 more times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Called in and gave my information to have a security freeze removed. I was told that it was removed and this is the confirmation # XXXX When I applied to XXXX for credit I was denied because they can not locate file again. I reached out to Equifax/XXXX  and they said I had to supply my i.d and social again. I have supplied already multiple times and still no update. I have attached for you as well Every time I call they tell me I have to submit documents that I have submitted over 10 times. I am waiting my time and my money. I have been trying get this taken care of for over 6 months.
Product: Mortgage

Due to Well 's Fargo flak accounts and the ease to create a bank account. i was a victim of mortgage money transfer fraud. I wired about {$180000.00}, as a down payment for mortgage back on XX/XX/XXXX of XXXX. 
Money was transferred to a Well 's Fargo account and then transferred to bitcoin source. 

tried to sue and reported it to XXXX, but had no luck. Just heard a bout of a class action lawsuit against Well 's Fargo and i think its related to the same issue i had.
Product: Credit reporting or other personal consumer reports

Jefferson Capital has a collection on my report for almost {$10000.00} and the same company is reporting another debt for {$14000.00} that Im not even aware of nor have I received any documentation about any before hitting my report.
Product: Credit card

On XX/XX/year>, I received an alert from my bank that there was activity on my credit report. I checked and Bank of America of American had issued a credit card in my name to the tune of {$7500.00}. I immediately contacted Bank of America at XXXX, I spoke with XXXX ( spelling? ) and informed her of the fraudulent activity. While she would not provide me with the address of where the card was going, she did confirm it was not coming to me. She stated she would forward the the information to their " fraud '' dept and asked if I would like a copy of the credit application. I advised her that absolutely I wanted that copy. 

I have always had a fraud alert on my credit report ( all three ) and NO institution should be issuing credit without contacting the number listed on my credit reports. I received no such call. 

On top of that, the only correspondence I have received from Bank of America is the the received my inquiry into my account. I don't even know what that is suppose to mean. I did " submit an inquiry '' on my account. I do not have an account. I called to report fraud and idently theft. 

Thanks to Bank of America, I have had to place security freezes on all my credit reports, which takes time. I have had to go online and file this complaint, again, time. I work very hard to pay my bills and Bank of America is costing me money I do not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit reporting agencies, Experian, XXXX  and XXXX  are showing 2 mortgages fro me when we only have one. We refinanced in XXXX, XXXX XXXX XXXX was the first mortgage holder but them immediately transferred it to XXXX XXXX. The balance was approximately {$310000.00}. So the agencies are reporting 2 mortgages which though we are rated Exceptional still on credit worthiness, i has knocked my score down based on comments on their websites. I mean why to these companies get to charge for incorrect information. We would be better off with 1 that actually was corrrect 95 % of the time.The information is currently incorrect on each reporting service.
Product: Checking or savings account

Last Friday XX/XX/XXXX, I noticed another transaction debited from account from XXXXXXXX XXXX  as I already informed BOA in XXXX XXXX XXXX  I DID NOT AUTHORIZE since XXXX, BOA has allowed this company to continue taking funds out of my act. I allowed it in XXXX, reported to BOA AGAIN in XXXX and after speaking with rep, he was rude and refused to acknowledge and assist by blocking the amount to clear, next 2 days/XXXX XXXX  WITHOUT INFORMING ME, THEY CREDITED IT BACK TO my account. While they had records of this info, again XXXX AGAIN XXXX for {$110.00} SAME AMT came in as I called BOA spoke with rep of this issue as he stated it would take 24hrs to credit back which would be Sat. " Rep lied '' as that Sat transaction cleared. Its now Monday XX/XX/year> no credit back to my act. I called spoke with " XXXX '' a so called manager with BOA as she refused to assist and credit my act, spoke with another incompetent BOA rep " XXXX '' as he didn't know what to do, and spoke UNCLEARLY as BOA expects me to understand this person and I have to spend hours to get assistance bc they have a full load of reps that intentionally speak " UNCLEAR XXXX '' ... BOA refuses to help their customers! these ppl are unknowledgeable and refuse to assist. I have requested for BOA remove this company from accessing my act and debiting funds as they refuse to assist and allow it to happen. BOA 's mission is sit on it FOR 60days and state they did nothing wrong and go about their their sorry SCAM & FRAUD business to allow funds taken from customers so they can CLOSE this issue while CFPB allows them to get away with it. Just calling BOA takes over 30 min just for a rep to answer and they will blow you off to get rid of you and tell you anything, including lies to get you off the phone. It doesn't take 60 days to resolve this issue and in the mean time, I don't have access to my own money and causing my act to go into a overdraft is nothing but a set up by BOA and they refuse to help and or assist in placing the funds back to my act. BOA hiring reps that don't speak CLEAR XXXX & placing all customers on hold a min of 30 min speaks for itself-they CAN DO BETTER, they chose not to ..their intent is most customers wont sit for 30 min, or listen to foreigners speaking broken XXXX so they don't have to deal or assist customers.. A VIOLATION and refusal to assist. They continue to allow my act to go into a negative and see screen shot-not supposed to charge me overdraft fees but they did! THREE VIOLATIONS! CFPB how many time are you going to allow this low down financial institution to rip off and charge additional fees and allow my act to go negative? How many times? While they got a class action re OD fees, Im a part of it but why WAS i NOT ADDED TO THIS LAW SUIT pAYOUT? boa CONTINUES TO BENEFIT FROM ME BY ALLOWING UNAUTHORIZED TRANSACTIONS AND ACCESS TO PLACES/BANKS WHEN i INFORMED IN WRITING AND VERBALLY TO NOT GIVE ACCESS ... ANOTHER VIOLATION ... WHEN DOES IT STOP? Why are they still in business and not fined for 85 % Deception/Blow you off/LIARS is their name.
Product: Debt collection

I noticed these accounts reflecting on my credit causing my score to decrease drastically. XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX. These accounts have been disputed and the credit bureaus have not provided me with any documentation to validate these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to no avail through your agency since you do nothing to correct major credit problems but file it for posterity! Once again and after multiple complaints you close Synchrony Bank  HHGregg   XXXX   XXXX   XXXX   XXXX  has posted incorrect information to my credit agency reports causing server financial harm. Their response always omits critical information and the problems are never resolved. Your agency useless but I need to file for documentation purposes. In speaking to  XXXX  she confirmed I was paid through  XXXX . I am not two months pass due and I have not paid pending a reply of correction to the prior complaints you merely filed away! I understand they ae still being investigated by the credit bureaus.     Not more than  two  payments past due  ( 2 )   - SYNCB/HH GREGG    XXXX   XXXX    2017   SYNCB/HH GREGG has flagged your account as Not more than two payments past du e  ( 2 ).    Alert Type : Potentially Negative Found On :      XXXX   XXXX       2017  Potentially Negative Alerts notify you when one of your accounts has reported information that  may  negatively impact your  credit score.      Balance spoke to  XXXX  last payment made- way  XXXX    2017  . Paid up through  XXXX . Confirmed. I then asked for an acc t manager to insure me the credit report was repaired- the same as last time. Had to hold extensively long for a manager w ho I relayed my request for resolution! I finally Reached  XXXX  a Manager- who stated I WAS UP TO DATE AND NOT 30 DAYS PAST DUE AND THAT THE CREDIT REPORTING AGENCIES CAN TAKE 60 DAYS EVEN THOUGH THEY HAVE NOTIFED THEM TO CORRECT THE ISSUE.
Product: Vehicle loan or lease

On XX/XX/XXXX I bought my dad a certified pre owned XXXX XXXX XXXX from XXXX XXXX XXXX with XXXX XXXX Miles. Right away the cars computer was telling me to check the charging system. I brought the car to the dealer on XX/XX/XXXX my next day off to have them fix the issue and they told me it was normal and sent me away. After that I inspected the battery to find the terminals where so corroded they had an inch of corrosion all around each terminal. So I brought the vehicle back on XX/XX/XXXX my next available day to have them fix the issues and they refused to fix the car because I had my emotional support animals in the vehicle. Since then I have had to jump start the vehicle every day to get to work. XXXX  XX/XX/XXXX the vehicle completely stopped working and I had to tow it into the dealership. So under the Toyota certified warranty there is a XXXX point inspection that I am sure was never done because I would figure the first thing they would check would be the battery. So I was not given what I promised to pay for. The vehicles obviously a lemon. None of the electronics work correctly. It has a major electrical issue. So I spoke to the sales manager and he told me that they would switch the vehicle out for another I choose around the same price and give me a vehicle free of defects like they originally promised. So I go to the dealer with the tow truck the on floor sales manager shows me the vehicles I can choose from that they have in stock and takes pictures of them and tells me he will call me in the morning to let me know what I need to do to get the new vehicle. Yet instead I get a call from another sales manager I had been speaking with about another issue and he tells me the vehicle is ready for pick up. When less than 24 hours before that I have him on a recorded call telling me he would make this right and switch the car out. I refuse to pay the payments on a vehicle that is a lemon and as my rights as a consumer I reserve my rights to fair and just treatment along with not being lied to and coerced. I was in no way, given what I promised to pay for. I was sold a vehicle free of any major electrical issues and I got a car with a bunch of major electrical issues. This is very wrong of a dealer to do to an elderly man in a time of teases ion and a pandemic. I feel very taken advantage of and wronged. This is not how a consumer should be treated or anyone at that matter. Theyve lied up and down about everything and anything and have told me three different things in the tune to where I can not trust a word they tell me. This is a XXXX XXXX dollar loan for a new Toyota I should not be dealing with any of this. I did agree to pay XXXX XXXX dollars for a lemon. I have contacted the Toyota brand headquarters multiple times over this with no resolution and I am hoping you will help an elderly person being prayed upon by this dealership.
Product: Checking or savings account

On XX/XX/23 I funded the account with $ XXXX from XXXXXXXX XXXX  Soon after that, I learned that I can have a balance of $ XXXX per account due to beneficiaries. 

I transferred $ XXXX to XXXX. And then a second $ XXXX. Those went through. An attempt to do the next one, my account was blocked. That was about XXXX. Account remains blocked despite many calls to explain the transfers were made by me and nothing suspicious is going on. 

I since received the letter penned by Key Bank with their phone number. A call to that number gets you being told that you need to talk to XXXX XXXX 

I am greatly concerned about my money as a XXXX search shows MANY people in this exact situation. Open account, then a week or so later, blocked from account. 

I am unable to even get into my account to gain account numbers and exact dates. The dates above are from the transfers in to XXXX.
Product: Checking or savings account

I wrote the following letter to Chase Bank XX/XX/2022. I called them the day of the scam to report it. There terse reply was they are not doing anything about the scam. 

Customer Claims Dept. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Scam using XXXX Dear Sirs : I am embarrassed to report I was scammed by someone using XXXX. But am I am angry that XXXX will do nothing about it after I reported the scam. 

The scammer used fake XXXX email messages. I have a copy of the XXXX XXXX messages that took place and copies of the fake XXXX emails. 

The scam took place on XX/XX/2022. The XXXX id used by the scammer is XXXX and the XXXX transaction # is XXXX. 

The amount of the scam was {$300.00} and the copy of the messages and my XXXX account transactions will show no money was received by me. 

I have reported the scam to the FBI via an Internet Crime Complaint and I plan to report the scam to the State of Ohio Attorney General 's office. 

I trust you will resolve the issue with a credit to my account for the scammed {$300.00}. Otherwise, I will be switching my bank accounts to another bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 ( XXXX ) XXXX XXXX  XXXX XXXX pulled my credit for no reason, and I've never contacted, nor ever conducted business with this company and never authorized them to pull my credit. 

On XX/XX/2021 two other companies ( 2 ) OneMain Financial and ( 3 ) XXXX XXXX also pulled hard inquires. I never provided any of these three companies permission to pull my credit. 

After noticing these unauthorized credit pulls, I immediately locked my credit report with XXXX XXXX and XXXX. I also contacted XXXX XXXX and OneMain Financial both stated that I would need to contact the credit bureaus and dispute it with them. There was no phone number or contact information on my credit report for XXXX XXXX. 

When I called XXXX XXXX to dispute these inquiry 's they said to ( a ) obtain a copy of my Federal Trade Commission Report ( which directed me to this website for CFPB, ( b ) and mail them a letter stating what happened. 

Please contact these companies and realize I never spoke to them directly, nor online, nor provided my info, nor gave permission to pull my credit for any reason, and please REMOVE those 3 unauthorized hard credit inquiries from my credit report. 

I understand some companies may use other names of companies when seeking financing, but I don't need more credit at this time and the last time I authorized my credit was to purchase a house a few months ago and then was going to finance a bed that I just paid cash for. Those last three credit pulls were not authorized by me. 

Thank you.
Product: Credit reporting or other personal consumer reports

Experian Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and Dennis v. BEH-1, LLC ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information.

Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 16811 ( 5 ) of the Fair Credit Reporting Act Account Information : Creditor Name : XXXX  XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : {$4200.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires were listed on my credit report with out my consent. I requested each bureau the original alleged inquiry application and was not provided the documentation for my request.

1. Inquiry : XXXX XXXX XXXX XX/XX/XXXX - TransUnion 2. XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX