23daVinci/CFPB_Complaints huggingface dataset:
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 sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the inquiries that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, hereby assert my rights as an individual and consumer, as recognized by the FDCPA and FCRA. My personal privacy, safeguarded by Title 15 U.S.C 1681 ( a ) ( 4 ), has been consistently breached. It's essential to highlight that I have never granted written authorization, as stipulated in Title 15 U.S.C 1681 b ( 2 ), for these transactions to be publicly disclosed.

Furthermore, my credit card ( Social Security Card ), defined in Title 15 U.S.C 1602, has been utilized without my explicit written consent. As outlined in Title 15 U.S.C 1681s, the duty to implement administrative measures falls upon your organization. I wish to bring to your attention the responsibility of the involved entities Equifax, XXXX, and XXXX, as indicated in Title 15 1681 2 ( b ) for their lack of due diligence in maintaining accurate data. The presence of erroneous information on my consumer report, with a data breach has led me to file an identity theft report.

I emphasize that, pursuant to 15 U.S.C 1681 c-2 ( e ), these inaccurate accounts must be removed within 4 days of filing the identity theft report, not the usual 30 days. It's important to note that the unauthorized utilization of my credit card, in violation of Title 15 U.S.C 1602, does not confer any benefit upo
n me, the consumer, in accordance with Title 15 U.S.C 1681s.

I extend my gratitude for your assistance in upholding Federal Law during this recent revelation. This letter serves as an urgent request for the prompt elimination of the subsequent accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i have reached out to Portfolio Recovery Associates several times via Certified Letter asking them to provide signed documentation by myself proving that I owe them the debt. They have failed several times to provide any document bearing my signature proving it. 

This is in reference to Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to section 15 U.S. Code 1692g ( Validation of debts ).

1. I want all creditors to send me a detailed list of the history of payments made by me on this account.

2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor.

3. Im asking to see has there been any insurance claim filed on this debt.

4. I want proof that you have the chain of title to collect on this debt.

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

In addition, Im requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last two years or employment purposes, or any purpose. 

Thank you for your prompt attention in this matter. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 5 months I have followed the protocol and advice of this credit bureau for disputing inquiries on my credit report. I have disputed these inquiries via phone, fax, via my login on their website and in writing and have submitted complaints about their handling of this situation to cfbp and XXXX. I have contacted each supplier of the inquiry and they have sent request for the inquiries to be removed, and ONLY this credit bureau will not remove the inquiries. I have sent in my legal identifies ( ID, proof of address, police report, ftc report ) to prove these inquiries are fraudulent however they will not remove them. What I receive is notices stating I cant dispute online or they wont investigate because a 3rd party is submitting my complaints ( which is legally allowed ), I've even been told they don't have a credit profile for me. At this point the are hindering my legal right to have a accurate credit profile AND my legal right to dispute any inaccuracies on my report. The accounts associated with these inquiries were deleted under identity theft but they are telling my the inquiry is valid, by not removing them, how?
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I need Equifax to block this information from my credit report in four business days, pursuant to section 605C of the Fair Credit Reporting Act. you will have all my identification as well in the attachments below which is acceptable items which only 2 are required per the Law. I have gave you all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is directly related to the Wells Fargo case # XXXX lines # XXXX My late husband XXXX XXXX was a branch manager for Wells Fargo and past away in XX/XX/XXXX. At the time we had out checking account and Mortgage with Wells Fargo. He had his business/work separate and I had no knowledge of those accounts. I was forced to short sale the home and close out the accounts after his death at the direction of Wells Fargo and they made no offers of compensation or settlements of any accounts. Then since then I have been wondering why I have had to pay such high interest in all of my credit accounts and car loans. 

Then fast forward to XX/XX/XXXX I was remarried to XXXX XXXX and we wanted to buy a home and we were advised that Wells Fargo has a credit card that was charged off which we had no knowledge of the account and did the normal dispute. But over the months we have tried to contact Wells Fargo and have been disputing with the credit bureaus over and over again and they continue coming back saying it is been verified as valid. Then out of frustration on XX/XX/XXXX I wrote a complaint letter to Wells Fargo in reference to Account # XXXX then I received a response letter from " XXXX XXXX at Wells Fargo '' to contact her as they are researching our complaint. We called over and over again and left messages. Then they Wells Fargo came back with a letter on XX/XX/XXXX that is so false it is shocking with statements. 

My name was never authorized to be on the credit card account. Wells Fargo closed the credit card with a XXXX  balance on XX/XX/XXXX shortly after they got the confirmation of my late husbands death in XX/XX/XXXX of which I have copies of the statements that Wells Fargo sent me. Then on XX/XX/XXXX Wells Fargo apparently used my personal Information from the previous Mortgage to reopen the credit card ( 26 months later ) in my name without my authorization an account I had no liability or knowledge of. The recent letter of XX/XX/XXXX Wells Fargo writes numerous lies and claims that because I had a joint checking account they assume I was liable for the credit card balance too after 2 years. Now Wells Fargo is trying to cover their tracks. I never knew nothing of this account until XX/XX/XXXX and now know why I have been suffering since XXXX. 

Wells Fargo has been posting this on my credit reports for years and has cost me an estimated {$10000.00} in extra fees and interest which I hold Wells Fargo directly responsible for. Wells Fargo had taken monies from my accounts when my late husband past away and tried to justify it that it belonged to the bank and I have learned that is not true either. 

Right now, My new XXXX husband and our XXXX year old XX/XX/XXXX son and I are being held XXXX  by Wells Fargo for posting this fraud account on my credit files and we are unable to get a mortgage until this is removed from my credit files.
Product: Checking or savings account

On XX/XX/2022 my account at USAA was hacked through the XXXX XXXX. The folks that hacked my account would deposit money into my account and then take money out for a total {$8000.00}. I notified the bank at the time of this as I was getting notifications on my phone of what was going on. Whom ever did this was also deposited checks into my account and therefore has caused me to not be allowed to use my account or be able to speak to anyone about my account.
Product: Checking or savings account

to whom it may concern : on XXXX dates in early XXXX, XXXX, the service known as XXXX, which i had been using for years, charged a credit card on file ( strictly for the purposes of service fees/ tips to workers ) for the full order. 
in both instances, i had already completed the process of selecting a preferred card, also on file, via a XXXX step selection/ pinpad confirmation. 
when the backup card was selected by their system to fund the entire bill, i was taken aback & contacted XXXX immediately. 
to no avail. after dozens of operators, it was suggested i take it up with my bank, PNC. 
which i did, filing multiple reports and spending XXXX hours on the phone with their operators. 
fast forward 5 months. 
PNC have recovered {$71.00} of the {$190.00} total. 5 months... 
now PNC report, in one call, that 'substantiating documents were not received ', so 'there was no investigation ', but also that they were able to recover the above noted {$71.00}. using the substantiating documents submitted ( by me ). please, i hope you will agree, that PNC can not both have, use, and close a dispute, with documents ( letter from me detailing the fraudulent transactions ) they also simultaneously could not use to close another part, having 'never received them ' ... 
this would be a multiverse occurrence, and i dont believe we are all on the same page as to how that might work... 
in any case its all based on one document, and therecan be no doubt as to whether PNC received it/ worked with it.

to summarize : my bank failed to protect my account from unauthorized charges, and then failed to pursue a just outcome when put in touch with the vendor originally at fault. 
PNC are to date stating both that they received no supporting documents from me, and congratulating themselves that they did, indeed, close the case using supporting documents supplied by me. repeatedly supplied, as PNC repeatedly claimed not to have received anything from me ... despite confirmation emails and hardcopy letters from them at every step. at this point its very much not to do with money, though i am on welfare. whats shocking and provincial/ XXXX XXXX is XXXX multimulti XXXX dollar corporations, who present as 'service providers ' 'communities ' are simply working with XXXX another to preserve capital/ reputation. 
after XXXX hours spent in conversation, i will pursue action to bill at my hourly rate : i am not here to provide free training for inept 'phone operators '. as protracted and convoluted as this has become, i suppose the exercise is invaluable ; XXXX couldnt possibly invent such a ridiculous desperate attempt to hoard pennies at the cost of client experience... 
and perhaps future revenue? 
these matters dont tend to stay in the dark, nowadays, do they. 

thanks for listening. 
please be touch. 

XXXX XXXX
Product: Checking or savings account

MoneyLion checking account Cant activate my debit card that was mailed to me ... Cant transfer funds to linked external banking account ... {$500.00} was direct deposited on Friday XX/XX/XXXX ... Still cant access funds ... checking account currently has {$620.00} in it and I have no way to access it ...
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 16 XXXX XXXX XXXXXXXX
Product: Mortgage

I submitted a letter to Bank of America (mortgage account #XXXX) to cancel my mortgage insurance and I have received no response. I also called on XX/XX/2018 and was told I would receive a response within 7 business days. I have met all the requirements to have my mortgage insurance cancelled based on their requirements. I am including a copy of the letter mailed to them for your review. This unnecessary fee is creating a hardship for me and I am requesting that it be stopped immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered an unauthorized hard inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I did not apply for credit, authorize this inquiry, or provide my personal information to this company. I believe this is a case of identity theft and request that this fraudulent inquiry be removed from my credit report. 

Additionally, I am concerned that my personal information may have been compromised and misused for unauthorized credit applications. I have not given consent for any recent credit inquiries or new accounts. I request assistance in investigating this matter and taking necessary steps to secure my identity. 

Please provide guidance on next steps to dispute and remove this unauthorized inquiry from my credit report. I am willing to provide any further documentation required to support my claim. Thank you for your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago I reached out to Transunion about getting some unauthorized inquiries removed from my credit report. 

I also reached out to XXXX and XXXX about the same inquiries and they removed with no problem. 

I was informed by Transunion to contact the original creditors about the inquiries. When I did they told me to contact Transunion. Im tired of the run around. Transunion is slowing down my abilities to qualify for a mortgage. 

Here are the inquiries in question : XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

With that being said Transunion can simply delete the inquiries or give me {$1000.00} per unauthorized inquiry.
Product: Credit card or prepaid card

Stolen/lost American Express card used for 5 different fraudulent transactions. 

XX/XX/XXXX{$32.00} XXXX XXXX XXXX ( XXXX ) XXXX TX XX/XX/XXXX {$220.00} XXXX XXXX XXXX XXXX FL XX/XX/XXXX {$290.00} XXXX XXXX XXXX XXXX FL XX/XX/XXXX {$260.00} XXXX XXXX XXXX XXXX FL XX/XX/XXXX {$390.00} SKY LIQUOR XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX allowed someone to use my credit card. 2 separate transactions done at the amounts listed should have prompted their employees to question and ID the buyer. they rang up 2 separate orders clearly trying to keep each transaction below limits that the credit card company would flag. and these stores let them do it
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, After completing its investigation as detailed in this complaint, I am writing to request a thorough and detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Upon reviewing my credit report, I noticed an account with XXXX  XXXX reporting inaccurately, showing multiple late payments that I, in fact, paid on time. It is essential for credit reporting agencies to report all information with complete accuracy, yet this account has not been late on payments. I have attached a copy of my credit report highlighting these dates, as follows : TransUnion : XXXX late payments recorded for XX/XX/XXXX, XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; XXXX late payment recorded for XX/XX/XXXX. 
XXXX : XXXX late payments recorded for XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX ; XXXX late payment recorded for XX/XX/XXXX. 
XXXX : XXXX late payments recorded for XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX late payment recorded for XX/XX/XXXX. 
I kindly request an investigation into this account and an update of these payments to reflect an on-time status. If the payments can not be updated accordingly, please provide the required documentation and details as outlined in my request.

In reference to 15 USC 1681c ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( myself ) and the reporting entity. Given that payment history is directly tied to these transactions, any incorrect information negatively impacts my consumer report.

I am also requesting that you outline the reasonable procedures [ per 15 USC 1666 ( b ) ] adopted by your agency to ensure each periodic statement is mailed at least 21 days prior to the due date, as required under section 1637 ( b ) of Title 15.

Reference to PAANL ( Paid As Agreed, Never Late ) : The terms of our agreement have been honored consistently, warranting a " Paid As Agreed, Never Late '' status for this account. I request documented evidence supporting any claims of late payments, including specific dates, amounts, and communication records indicating these alleged late payments. In the absence of such proof, I expect the credit reporting to be corrected.

Given that my previous disputes have not resulted in any changes to the reporting, I demand an investigation in compliance with the FCRA to correct these inaccuracies promptly. I expect a written response within 30 days of this letter, as required by law.

Thank you for your attention to this matter. Your adherence to FCRA regulations is crucial for maintaining the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ), regarding inaccurate information reported under my name on my Experian credit report. I demand that you provide specific details regarding the procedures followed to determine that this information is accurate, and to the extent that you report this information, how you verified its accuracy.

As required by the FCRA, I am requesting an explanation of the steps you took to ensure that the debt reported on my credit report is valid, accurate, and substantiated. Specifically, I require the following : Proof of the debt 's accuracy : Provide documentation to demonstrate the debt is mine, including signed contracts, loan agreements, or other supporting evidence.

Verification of the amount owed : Provide a detailed breakdown of the debt, including how the balance was determined, any fees or interest charged, and the dates that these charges were applied.

Your procedures for accuracy : Detail the procedures you followed to determine the accuracy of this debt before it was reported to my credit file. This includes the method of verification you used and who was responsible for confirming the informations legitimacy. 

Evidence of your investigation : Provide proof that you performed an adequate investigation into the validity of this debt, including a description of how the investigation was conducted, who was contacted, and how the outcome was determined. 

Under the FCRA, you are legally required to ensure that all information reported to credit bureaus is accurate and complete. I am demanding that you provide this information within 30 days of receiving this letter. If you can not prove that the information you have reported is accurate and verifiable, you are obligated to remove it from my credit file. 

Failure to comply with these requirements will result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action to resolve the matter. 

I expect your prompt response and full compliance with the FCRA. Please provide the requested documents and a detailed explanation of your verification procedures.
Product: Credit card

Synchrony bank decided to start charging customers a fee to receive store credit card paper statements by mail. However, Synchrony 's website will not allow customers to change to paperless electronic statements. Despite this website issue, Synchrony keeps sending notices pretending that customers can change to paperless statements to avoid the fee. This is clearly a scam meant to fleece every customer in small nuisance amounts so Synchrony can steal money without facing repercussions.
Product: Student loan

XXXX is a scamming email that is trying to get people to send them their student loan information.