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

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXXXXXX XXXX XXXX XXXX of Inquiry : XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Inquiry Date XXXX
Product: Credit card or prepaid card

I work away from home over half of the month, I rely completely on receiving my billing statement every month. For several months in a row one of my cards statement ( Home depo card ) didn't come in the mail and I believe the Home Depo credit company switched to electronic notification without my consent. They have denied this but after I question the company my statements starting in the mail once again. Because of this I wasn't aware that my account payment was due and Home Depo credit services reported a 30 day late on my credit. This is the only negative report that I have and have had for over 30 yrs. I have called and disputed with all three credit agencies several times and no one will remove this negative information. The account is current and always have been except for this 60 day time period when I wasn't receiving a statement. I'm having difficulty refinancing my home loan because of this.
Product: Payday loan, title loan, or personal loan

I defaulted on my loan and it was entirely my fault that I'll accept. I was given XXXX days to come up with XXXX dollars to get my vehicle back. So I did just that I gathered my things and came up with the money. I Paid title max and received confirmation numbers for the payment that was broken into XXXX. An unfortunate turn of events landed me in the hospital. When I got out a day later they came in the middle of the night. Their repo man drug my car in park XXXX yards wheels locked. Never coming to the door or asking for the keys. They came to get my car from a location not listed on any of my paperwork. And stated that the tow truck seen my car and must of followed me here. This after i called and told them I knew they placed a tracker on my car. Also that i knew the driver and was aware of prior uses of such. Side note they placement of a tracker in Delaware is illegal. However the followed me here story is not true. My neighborhood where i currently reside has cameras facing the main and only entrance and no truck was seen entering behind or passing so entrance. Conclusion they lied. Reason for all this XXXX was. They said my payment came back as fraud but yet i had confirmation numbers and never heard of so fraud until after they repossessed the vehicle. So they took my car and told me I had to have XXXX in XXXX days after already giving them XXXX on a XXXX dollar loan. Sold I could not meet that deadline or astronomical amount. So I recieved a letter stating my car was sold for XXXX and that Title Max had the right to pursue leftover amount if I filed a lawsuit. I found that odd. Until a few days after recieveing that letter i recieved XXXX about a data breach. And then it made sense. Theyre basically trying to blackmail me into not filling a suit against them for the tracker the breach and they're complete and utter unprofessional practices. All of this i will present to the Attorney Generals office, the XXXX XXXX XXXX, local news outlets, and Delaware XXXX XXXX letters, paperwork, and communications ive had with title max. I also will be placing a notice on my familys businesses marquee sign stating theyre fraud as well. To me whomever is reading this may seem abysmal but with XXXX cars a day going by reading it. My aim is to try to keep others from experiencing the hardships ive endured because of all this nonsense. I lost my vehicle due to their lack of and therefor careless mistakes. Don't understand how payments just dissappear and now my vehicle is gone for their XXXX up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Card Opened by the Thief Company or Organization : Account Number : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : {$8500.00} https : //www.identitytheft.gov/ # /confirmation/genericsteps Page 1 of 3 XXXX XX/XX/XXXX, XXXX XXXX  Medical Services Obtained by the Thief Company or XXXX XXXX Organization : ADJUSTMENT C ( Original Creditor : XXXX XXXX Date fraud began : Date that I discovered it : XX/XX/XXXX Other Identity Theft Company or Organization : Account Number : XX/XX/XXXX XX/XX/XXXX XXXX XXXX {$1000.00} Total fraudulent amount XXXX Date fraud began : Date that I discovered it : Fraudulent Auto Loan or Lease Total fraudulent amount : {$5700.00} Company or Organization : Account Number : XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : {$41000.00} Fraudulent Auto Loan or Lease Company or the company Organization : Fraudulent Information on Credit Reports https : //www.identitytheft.gov/ XXXX XXXX Page 2 of 3 XXXX XX/XX/XXXX, XXXX XXXX Personal Information Names : XXXX XXXX XXXX, XXXX XXXX XXXX, Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Phone numbers : XXXX Employment Information : VA COMPENSATION, XXXX XXXX
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 : XXXX 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 of 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Even though I have already disputed this account with XXXX you it continues to be fraudulently reported to all three credit bureaus, very inconsistently I might add ( there is literally a different active date reported to each bureau ). 

As you know the Fair Credit Reporting act requires that when a consumer reporting agency prepares a consumer report, they are required to follow reasonable procedures to ensure maximum possible accuracy of the information related to the consumer per XXXX USC XXXX ( b ). However, this account remains despite its inaccuracies, showing that those procedures were not followed. The continued inconsistent reporting of this account across the XXXX bureausevidenced by the varying last active datesfurther demonstrates a failure to report accurate information. 

Furthermore, under XXXX USC XXXX ( 5 ), when a consumer disputes an item and the credit bureau is unable to verify it as accurate, they must promptly delete or modify the item accordingly. It also requires them to notify the furnisher that the information has been removed. This was not done in this case, and XXXX has failed to update or acknowledge the dispute. 

Additionally, XXXX USC XXXX clearly states that no person shall furnish any consumer information to a reporting agency if they know or have reasonable cause to believe the information is inaccurate. The continued reporting of this account, even after it was disputed, is a direct violation of this provision. 

Lastly, XXXX USC XXXX ( a ) ( 1 ) prohibits anyone from furnishing consumer information if they know or should reasonably know it is incorrect. Despite multiple disputes, the inaccurate account remains on my credit report. This failure to comply with federal law needs to be addressed immediately.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit card or prepaid card

I have a capital one card and I make my payments monthly on time. I have had this credit card for at least 6 years. I just lost half my income about two weeks ago because of the national crisis and the shelter in place in California where I can not go to work and can only do limited work on line. 
I asked the Capital one representative if they could work with me and lower the interest or waive it ( which is about {$200.00} per month ) while the shelter in place applies to California and I have lost half my income because of it. They refused to do anything to help me during this situation, so I closed the card and will continue to make the monthly payments as best I can. 

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

I am writing to formally dispute a late payment that has been reported on my credit file. After reviewing my credit report, I noticed an inaccurate late payment listed on my account that I believe is incorrect. I have reviewed my payment records and I believe this reported late payment is an error. 

Late payment : " please update it as paid as agreed, never late, no negative remarks '' AFFIRM INC Account number : XXXX
Product: Student loan

I am not a Discover Bank loan applicant or customer, but I have been receiving emails related to multiple Discover loan applicants. The information that was erroneously sent to me includes a valid loan reference number, name, credit scores, and detailed credit report information. So far, I have received information on six different individuals between XXXX XX/XX/2023 through today XXXX XX/XX/2023. I reported this data leak issue immediately to Discover since the first incident and had been reporting it to Discover every time I receive a notice. 

However, to this date, the issue still hadn't been rectified and I am still receiving info on more individuals. 

The customer service team I talked to wasn't able to provide any helpful information as to why I am receiving info on these individuals, and I felt I was talking to a vacuum. 

This is a serious leak and something businesses get sued and fined for. I am reporting the issue here as I've tried all I can so far and really didn't know what else I could do to stop Discover from leaking credit report info.
Product: Credit card or prepaid card

Discover card has not given a good reason why they allowed XXXX XXXX to steal money from my account. Also I have proven that the work from the merchant was incomplete and not done correctly and the quality of work was inferior. The balance on the Discover card for the amount in dispute will not be paid to Discover card. Discover need to follow the rules of Regulation E. Regulation E being the consumer protection rules from the Federal Reserve Bank. Discover card is not above the law and needs to comply with this law. I have sent all the proof and pictures and documents needed to correct this issue, but Discover Card does not want to comply. 

Again the credit card balance of the disputed amount will not be paid by me. 

XXXX XXXX
Product: Debt collection

Communication from XXXX XXXX XXXX began a few weeks ago. I had received a few calls and a couple of voice mails from this company and when I called back a person named XXXX XXXX answered stating his name. I mentioned that I had received a couple of calls and wondered what it was about. The individual did not reference that they were a collection agency or that it was an attempt to collect a debt. They would only ask for my information and for me to confirm who I am. When I would not comply and asked what it was about he would not respond but continued to ask for my information. I then hung up the phone. He called back and hung up on me. When I called back he threatened legal action. A week later we received a letter from XXXX XXXX XXXX stating that I had an outstanding debt with US Bank. I know that this debt is erroneous as it was paid off a few years ago. When I searched XXXX XXXX XXXX it came up that XXXX XXXX is a representative of that company and that he had harassed other individuals in the same way he had harassed me.
Product: Vehicle loan or lease

I paid off my XXXX XXXX XXXX ( which was leased ) in full in XX/XX/XXXX and Mazda Financial Services has XXXX to provide me with the title to my car even though it is paid off. I have contacted them repeatedly over the last XXXX  months to request my title and follow up on the status of my title and they keep making excuses as to why I still have not received it. They have admitted to me that they lost the original title, but they never bothered to send me a duplicate title. I need my title in order to register my car under my name as the rightful owner in Virginia. After reaching out to them repeatedly, Mazda Financial Services finally sent me the XXXX release letter and payoff letter in XX/XX/XXXX, but they have not provided me with the title to my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent two letters one on XX/XX/2020 and the other one on XX/XX/2020 to Nelson Cruz about an account reporting on my credit a formal notice that claim disputed requesting validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act along with the correspond-ing local state laws. I requested " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  And XXXX ) from your company or any company that represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA : Therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I have not heard from them in 60 days but they stated on my XXXX  report that the Outcome Remains-The company that reported the information has certified to XXXX  that the information is accurate. The item was not changed as a result of there processing of my dispute.How is this fair and accurate I have never signed a contract with them nor any company they represent
Product: Credit card

To whom It may Concern. 
My name is XXXX XXXX, who has XXXX credit card last4 digit XXXX. 
On XXXX, I tried to order XXXX XXXXXXXX with Wise and before submitting, the Wise asked to charge me cash advance and need to pay some fees, too. I did not agree and closed it, but Wise still took my money in my account without my permission. I called to report with XXXX help me to take my money back in my account. But again, on XXXX XXXX, The XXXX allowed Wise took my money {$1000.00} without notifying me at aIl..This was second times Wise used my credit card information to charged my money without my permission.It is illegal and Wise need to be responsible to payy all fines. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly XXXX. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. PLEASE DELETE THE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

During the beginning of the pandemic, I experienced low funds due to working less. I was using XXXX XXXX ( managed by Fiserv ) and some checks had NSF. Fiserv ended my electronic bill pay in XX/XX/2020. I have called and tried to get assistance to have it reinstated. I have called Fiserv and literally have CSR laugh at me. I was told 90 days until electronic payments were reinstated. Then I was told six months. Then I was told one year. Fiserv told me that they basically handle the bill pay for every major bank, so I can not get electronic bill pay by changing banks. Fiserv currently MAILS checks to the vendors. As the post office gets slower and more mail gets lost, I am constantly hearing that my payment is late and getting collection calls. 
All I want is fair treatment from a big bully Financial Corporation named Fiserv and have my bills transferred electronically.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against cash app for leaving my account unprotected didnt prevent fraud on there plate form in a timely manner matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion - I have sent over 4 dispute letters to Transunion all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved.

XXXX  - I have sent over 4 dispute letters to XXXX  all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Dates:XX/XX/2020- XX/XX/2020 Actions Taken By Me : Sent 4 dispute letters to both bureaus ( XXXX  and Transunion ) by Certified Mail Return Receipt to remove inaccurate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this COMPLAINT to help establish a legal recourse. If XXXX, EQUIFAX, and XXXX choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following accounts as they are fraudulent & were opened without my consent or knowledge : XXXXXXXX XXXX XXXXXXXX XXXX Balance {$740.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$11000.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion fail to contact the furnisher after I was unsuccessful to do so because XXXX refuse to answer a certified mailed letter requesting for a application for credit with my signed signature consenting to this unauthorized hard inquiry. 

I was informed by Transunion to personally contact XXXX for further information which I did so. 

It has been exactly 60 days from the day XXXX recieved notification from me and they continue to not response to the FTC and myself ... this unknown company has refuse to acknowledge the laws and rights of consumers requesting information in a dispute.
Product: Credit reporting or other personal consumer reports

Experian 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 filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian ; XXXX inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

As of today, my former bank, Simple, transitioned over to its parent bank, BBVA, and since yesterday I could not set up my online banking. I called customer service and they said it would be active today, XX/XX/XXXX, since today is the " official '' transition date. Well, it's now XX/XX/XXXX and I still can not set up online banking due to " technical difficulties '', nor can I reach customer service that is SUPPOSED to be open today at this time of day, also due to " technical difficulties ''. I am not sure if my debit card works as promised as I haven't tried to use it yet, but this is PREPOSTEROUS!! How did they have months to prepare for this and still mess this up, and not even give people the opportunity to call customer service to find out what's going on WITH THEIR MONEY?!
Product: Checking or savings account

Wanted to close a XXXX XXXX account ( because of $ 25 Monthly service fee ) and open a normal ( free ) savings account under the same JP Morgan Chase account. Savings account had $ XXXX which they instructed must be disbursed as check to me instead of just putting it in the account. This was on XX/XX/2019. The check never arrived and now I have to do a " stop check '' and the estimate for the funds, which are no small amount, will not be available for 3-4 weeks.