23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hello, I am a victim of identity theft. I found that there are three Fraudulent Accounts that were opened under my name and my social security number. I only found out because I received bills/statements by mail. 

The first one stated it was XXXX transactions done on XX/XX/2024 in XXXX XXXX, CA and XXXX, CA with a company named XXXX XXXX XXXX in the amount of {$2300.00}. 

The second one was a transaction at XXXX XXXX on XX/XX/2024 in the amount of {$1700.00}. 

The third one was a transaction at XXXX at a XXXX XXXX store in XXXX XXXX, CA on XX/XX/2024 in the amount of {$960.00}. 

Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Started receiving things in the mail asking for information that was needed for credit. Then I received a letter stating that my information was in included in a national data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX XXXX XXXXXX/XX/XXXX With XXXX  insurance. I have no clue. A few XXXX .. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ..XXXX XXXX XXXX XXXXXXXX ... XX/XX/XXXX ... XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX and XXXX XXXX Don't have these on my other buearous. This way to much. I was told I had a minor accident non fault on XX/XX/XXXX. It was not me. Now it's on my insurance. The insurance couldn't give me no information. NOW MY CAR INSURANCE IS HIGH. ON MY XXXX.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently taken action against credit reporting agencies, highlighting systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT XXXX XXXX format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim. 
Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CDIA requirements!
Product: Debt collection

I joined XXXX XXXX around XX/XX/2017, and after a year I decided to cancel my membership due to health issues. 

I sent two certified letters to XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. On XX/XX/XXXX I sent the first letter requesting for my membership to be canceled. I sent a follow up letter in XXXX because I saw that my membership was still active. 

Each and everytime I called the branch I was told that my membership was no longer active. 

Now I have a collection account on my credit reports for {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX {$400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX OF MI XXXX OF AT Child Support XX/XX/XXXX Experian XXXX XXXX  ( Original Creditor : XXXX ) XXXX {$270.00} XX/XX/XXXX STATE OF MI XXXX XXXX XXXX {$3200.00} XX/XX/XXXX STATE OF MI XXXX XXXX XXXX {$45000.00} XX/XX/XXXX STATE OF MI XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$440.00} XX/XX/XXXXXXXX XXXX XXXX {$5100.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to rectify the fraudulent items on my credit report with your agency. Despite my consistent efforts to address this issue, the fraudulent entries persist on my credit report, negatively impacting my financial well-being and personal life. The fraudulent items in question such as unauthorized accounts, incorrect information, collection, and inquiries which have no association with my financial history or activities. These inaccuracies are damaging my creditworthiness, causing significant distress, and limiting my access to various financial services and opportunities. I want to outline the history of my attempts to resolve this issue : I initially noticed the fraudulent items on my credit report and promptly contacted your agency to dispute their accuracy. I provided the necessary documentation and evidence to support my claims of fraud and inaccuracy. I received a response from your agency stating that an investigation would be conducted and that the matter would be resolved within a reasonable timeframe. Despite the passage of several months, the fraudulent items were not removed, and I had not received any updates on the status of my dispute. I followed up with your agency, requesting an update on the investigation 's progress. I was informed that the matter was still under review. I provided additional information and documentation as requested by your agency. After several more months, I received a response stating that the investigation had been completed, and the fraudulent items would be removed from my credit report. To my dismay, when I checked my credit report, the fraudulent items were still present and had not been removed. This repeated failure to rectify the fraudulent items on my credit report is causing me severe distress and financial harm. I am now seeking immediate action to resolve this matter and rectify the inaccuracies on my credit report. I kindly request the following : An expedited review of my dispute, with a commitment to a specific timeline for resolution, not exceeding 30 days. A thorough and accurate investigation into the fraudulent items, including the verification of all provided evidence. The complete and permanent removal of the fraudulent items from my credit report once the investigation is complete. A written confirmation of the resolution of my dispute and the removal of the fraudulent items from my credit report. Failure to address this issue in a timely and effective manner will leave me with no choice but to pursue legal action to protect my rights and financial interests. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$4400.00} XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4400.00}.
Product: Debt collection

I was issued a Warrant of Debt in the mail ( not properly served ) from LNVN Funding LLC ( c/o Resurgent Capital Services ) . Upon receiving this notice, I immediately researched this company as I have NEVER had any dealings with them. Apparently this company has MULTIPLE Federal class action lawsuits against them for predatory collection tactics, among other suits. I have also checked with my local district court whom has NO RECORD of a warrant being filed. This means this company forged a LEGAL state document as a way to scare me into payment ( see attached documents ). I was able to pull up this form myself online and can tell the form was improperly filled out. In addition, this company has been sold and brought by multiple other known debt collection agencies ; therefore, I am unsure as to what company actually is owed money, if any. Per my legal counsel, I will pursue a lawsuit of my own due to illegal predatory tactics used against myself to collect a debt, in addition to not being properly warned there was an account in collection status.
Product: Credit reporting or other personal consumer reports

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. 

Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXXXXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The documents are attached and are presented to the legal team. I have attempted to reach out numerous times about this matter and no one in the legal team has ever reach out to resolve this matter. I have given ample amount of times and chances I have made my demands and you can reach out to me mobile to resolve this matter. Please read the document carefully and each message placed in the box below as fair resolution too. It is important.
Product: Debt collection

Please see the attached affidavit describing the illegal reporting of a debt not owed, to the credit reporting agencies by Genesis FS Card services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it says that I lived in XXXX XXXXXXXX XXXX and I have never lived in that state.
Product: Payday loan, title loan, personal loan, or advance loan

I have asked Solo Funds to revoke ACH authorization to my account multiple times. Each time they said they have done it, but the money still is coming out of my account. Their customer service representatives have lied to me about them revoking access. Per screenshots they have said the money wont be taken out of my account, but it still did per my bank account. 

Today on XX/XX/XXXX they said they arent allowed to do ACH revoke due to updates on the app. Per Consumer Financial Protection Bureau regulations companies have to honor ACH requests within a reasonable timeline. I honored those timelines and they havent honored it on their end. Also if the app cant do ACH revoke due to updates is the app allowed to exist? They are violating federal guidelines and have deceiving customer service
Product: Vehicle loan or lease

In XXXX I received an auto loan from Wells Fargo in which they mishandled the payments I was making and not reporting to the credit bureaus from XX/XX/XXXX - XX/XX/XXXX. Also, they gave me a XXXX XXXX XXXX that had multiple recalls due to a number of serious problems such as engine stall, under hood fires, and overheating due to oil consumption, as well as abnormal sounds coming from the engine. While Im possession of the vehicle, I was in an accident due to one of the recalls ; vehicle stopped ( engine stalling ) while overheating and was then hit by another driver who failed to look towards my direction. Also Wells Fargo illegally repossessed my car after I agreed to allow a dealership to diagnose my car due to an extended warranty that I was unaware of. The event happened on XX/XX/XXXX. I never saw my car since
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous letters to Equifax in regards to inaccurate data located on my credit file and completely false personal information. 
I have alerted them that i wish that the personal information be updated to reflect my legal name and address and remove " assumed names '' that i have not and do not use. 
I have requested that the do a proper investigation into items listed on the report that do not belong to me, to date i have sent 7 letters and roughly 30 emails all of which i have not received a response. 
i am also unable to file a dispute online as it states " It looks like we need more information to confirm your identity. We appreciate your understanding since security is our number one priority. Our consumer care team can assist you with that. Please call us at XXXX between XXXX XXXX   until XXXXXXXX XXXX EST, seven days a week so we can help. '' however i have even entered the inaccurate information contained in the report that i just purchased from equifax. 
It appears that they are providing this message in hopes that you will pay for the report as the " Get Started '' button just under that text redirects you to the purchase credit monitoring site. 

Equifax has failed on all of these occasions to abide by the FDCRA and FCRA and the FACT Act and they are doing this with intent to harm consumers.
Product: Debt collection

I believe the account is invalid. WAYPOINT RESOURCE GROUP needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

WAYPOINT XXXXXXXX
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 XXXX XXXX XXXX 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

continued calls from XXXX XXXX financial seeking a person that does not live here, i called back 4 times to ask that my phone number be removed from caller list they said it would be removed but it has not and i keep getting calls. the calls are on my caller id and phone bills. please make them stop. thank you.
Product: Mortgage

The Flagstar Bank has charged about {$190.00} per incident of a return payment for a total of {$570.00} for 3 returns which is very exorbitant and punitive. Also they have changed the method of payment to certified check and not even accepting wires. We are already struggling to make the payment and this creates more hassles of leaving work to get a check and mail it. Also we will need payment one week ahead.
Product: Checking or savings account

I wrote a personal check for {$200.00} on XXXX for a XXXX XXXX XXXX for my home from my USAA checking account. The bank paid out {$340.00} on XXXX for this check instead of the written amount ( both numerical and spelled out ). Check number XXXX. When I called and pointed out their error I was told that they would need to research this and then they would provide an answer to what they found. I stated that it is obvious that they made a mistake and they need to put the difference back into my account. USAA is not authorized to remove money from my account that is not valid. The customer service person said that she can see that it is their mistake, but their policy is to not return the money until a full investigation is completed, even though it is black and white an obvious mistake. I asked to talk to a supervisor and was told no, I was not allowed to talk to a supervisor or a manager. I asked to talk to the group that handles the investigation and was told that no, they do not have phones that accept outside calls. I asked the customer service person to call them internally and was told that they are not allowed.
Product: Debt collection

This company is trying to scam me out of {$480.00}. On XXXX XXXX, 2014 I made a payment of {$330.00} to XXXX County District Court as a part of settlement reached with presiding judge for a PARKING ticket. Now, TWO years later this company " Transworld Systems Inc. '' somehow got hold of my case number and is trying to scam me out of XXXX dollars.
Product: Credit reporting or other personal consumer reports

I was alarmed to find unauthorized inquiries on my credit report today, with no explanation for their appearance. I regularly monitor my credit, but this time, there were unexpected discrepancies. Refreshing my browser didn't fix the issue, as the unauthorized inquiries stayed. I urgently request a thorough review of my documents to prevent this from happening again.
Product: Credit card

was denied credit by Afterpay twice on XX/XX/XXXX The initial reason given was " Historical Afterpay Account History. '' However, the adverse action notice cited " Information obtained from XXXX '' as the reason for denial. This discrepancy is concerning, especially since Afterpay 's website states they primarily use soft credit checks, which should not significantly impact my credit score. Obtaining a credit score requires a hard credit pull. As Afterpay did not obtain my consent or have a permissible purpose for a hard credit pull, I believe this action may be in violation of consumer protection laws. Afterpay has been unresponsive to my inquiries and unwilling to provide a clear explanation for the denials. I believe this lack of transparency and potentially misleading information may constitute a violation of consumer protection laws.

I also feel that they have mislead myself and every consumer into believing they do not utilize hard credit pulls. It clearly states on their website that only soft credit pull during initial sign up and for monthly payment requests will be utilized. They only way the information they said was used in my denial could be accessed is through a hard pull. I have been with Afterpay for years, how many hard pulls have they run? I have requested information multiple times and have been basically ignored. I want answers.
Product: Vehicle loan or lease

I spoke with multiple representative 's to return or exchange the vehicle and I was forced to stay in the contract, i also spoke with my financing company in regards to being unhappy with my purchase and nothing was done. from what i know the contract is illegal as I Stated in the previous complaint, Exeter Finance and XXXX broke my consumer rights ( 15 US Code 1602 H, 15 US Code 1602 F, 15 US Code 1635 B, and 15 US Code 1692 ). Lies and Deceit by Forcing me into this Retail installment contract and maintenance Contract.
Product: Consumer Loan

Ref : Fifth Third Bank Auto Loan Discrimination I financed a XXXX Chevrolet Impala from XXXX XXXX XXXX XXXX through Fifth Third Bank on XXXX XXXX. I felt at the time that the fair market price was not accurate but I needed a car. I felt victimized until I saw this story : XXXX
Product: Mortgage

I closed my existing mortgage with LoanDepot on XX/XX/2021 ( statement attached ). As per the payoff statement dated XX/XX/2021 ( attached ) interest was due only if repaid on or after XX/XX/2021. Hence the payoff amount should be {$760000.00} i.e. principal only.of {$760000.00} and recording fee of {$51.00}. However in the statement LoanDepot has charged me XXXX as the payoff amount i.e. excess of {$180.00}. When asked 4-5 times and after spending 2 hours they are unable to explain the excess charge. Request your assistance in resolving the matter
Product: Credit reporting or other personal consumer reports

Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud. This fraudulent, inaccurate, and false information consists of a number of accounts that i do not recognize which are XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX Im also attaching a list of the hard inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX from my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.