23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am reaching out because I have received 2 phone calls from this company about a debt that doesn't belong to me. I haven't written checks in over 10 years. The first rep asked if the dl number was mine. I told her no. She gave an address that I had never lived at. I am not going to give them any personal information that belongs to me. My information was involved in a breach and they need to remove this debt from me period.
Product: Debt collection

Original creditor was XXXX XXXX XXXX XXXX. Debt was then sold and the debt to cks prime investments. Never did I receive a debt validation letter via certified mail. Im requesting to see proof of certified debt validation letter if they can not produce it I am requesting this debt be deleted because its effecting my ability to establish credit
Product: Credit reporting

Tried to pull a copy of my credit bureau from Equifax on Annualcreditreport.com and was advised that they were not able to provide this online and that I needed to mail copies of documents identifying myself along with a request for credit bureau. There was no option to scan the documents/request. This company should not be able to participate on Annualcreditreport.com if they are unable/unwilling to provide reports online.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, have 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.
Product: Credit card

I request to cancel and release my {$5000.00} secured personal credit card and {$3000.00} secured business credit card on XXXX XXXX. I confirmed when can my {$5000.00} released to my checking account. Their credit staff replied that it took 14 working days. I said that's ridiculous and unreasonable.BOA took my {$5000.00} and {$3000.00} when I applied secured credit card, but when I request to cancel card, it should be the same way, that's one day, instead of 14 working days without any interest. That's totally unfair, to bully consumers very seriously!! 

Then on XX/XX/XXXX and XXXX, I called BOA to push early release of my % XXXX funds again. They are even more arrogant and rude.They just repeat that it's process, but I emphasized that's not fair process and ask them to reflect my opinions. They just repeat their rule without respecting our consumer 's right & feeling. It's a insult, it's a financial bully.Then they made sure funds will be released on XXXX. 

Then on today XXXX funds still not back to my checking XXXX called BOFA again, and they replied the credit card cancellation request not submitted by their staff.They can cancel today and I need to wait another 14 working days.This really drove me crazy.So arrogant, no apology, and just repeat their rule, telling me that's what they can do!! What a ridiculous and arrogant attitude!! 

So I decide to raise administrative complaint and legal lawsuit simulataneously.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. Also, This is not my home address. I never lived here nor received emails here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My name information is wrong. My last name not is XXXX. Please eliminate this name.
Product: Vehicle loan or lease

Santander is in a lawsuit settlement for unlawful practices with lending. I obtain a loan with them in XX/XX/2018. I was in an auto accident and could not to continue on the loan. The loan was written off as a loss but I believe that this mediation should be able to get me loan forgiveness.
Product: Debt collection

Order phone and sent back for return. They sent it back 3 times and now its on my credit I dont want the phone
Product: Credit reporting or other personal consumer reports

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

This practice violates the Fair Credit R

eporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

RE : Formal Complaint Regarding Inaccessibility of Credit Report and Potential XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the denial of access to my credit report by XXXX. I believe this issue is a result of identity theft, and I am concerned that my ability to access my credit report has been unfairly restricted, violating my rights as a consumer. Despite multiple attempts to access my credit report, I have been consistently denied access or given inaccurate information. 

As a consumer, I have the legal right to access my credit report, as per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g, which states that consumers are entitled to obtain a free copy of their credit report from each of the XXXX major credit bureaus once every 12 months. Under 15 U.S.C. 1681b, Experian is required to provide access to my credit report when I request it, and I am requesting assistance in resolving this issue promptly.

Furthermore, I believe I am a victim of identity theft, as I have noticed inconsistencies across my credit report, including discrepancies in account information, addresses, and employer information. 15 U.S.C. 1681c-2, relating to " Blocking Information Resulting from Identity Theft, '' outlines that consumers have the right to request that any information related to identity theft be blocked from their credit report, and the consumer reporting agencies are obligated to comply. As I believe I am a victim of such theft, my credit report has likely been compromised and contains fraudulent information.

The Fair Credit Reporting Act ( FCRA ) provides further protections for victims of identity theft. According to 15 U.S.C. 1681c-1, if a consumer has filed a police report regarding identity theft, they are entitled to request a fraud alert be placed on their credit file, and the credit reporting agency is required to take immediate action to protect the consumers information. 

Here are the key issues and violations that I have encountered : Failure to Provide Access to My Credit Report : XXXX has denied my attempts to access my credit report, violating my rights under 15 U.S.C. 1681g. I have made multiple requests to access my report and received no clear response or actionable information regarding the status of my request.

Inconsistencies in My Credit Report : Upon reviewing my credit report, I noticed discrepancies, including inconsistent addresses, incorrect account information, and unfamiliar employer details. These inconsistencies suggest the potential misuse of my identity. Under 15 U.S.C. 1681c-2, I am entitled to request an investigation into these discrepancies, and XXXX is obligated to assist in rectifying these issues. 

Identity Theft and Fraud Prevention : As I suspect I am a victim of identity theft, I am requesting that XXXX XXXX any fraudulent information from my credit report as per 15 U.S.C. 1681c-1. However, XXXX has failed to assist me in this matter.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Compliance Notice : Immediate Attention Required for FCRA Violations I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 
Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court. 

I have taken the necessary steps to report this breach of the FCRA to the Consumer Financial Protection Bureau, the Attorney Generals Office, XXXX XXXX XXXX XXXX, and the Federal Trade Commission. This escalation is aimed at ensuring comprehensive resolution and to prevent further misuse of my personal information. It is my hope that by involving these regulatory bodies, we can facilitate adherence to legal standards and protect the rights of consumers like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a number of incorrect factors being reported on my credit report. Student loans are reflecting information that shouldn't be. Please verify data on each. I've disputed several times and it keeps coming back, by credit reporting agencies that the information on my credit report is verified. I know this is not accurate and would like a verfication and removal from credit report. Of course I could list all consumer protection codes/laws that protect me and my credit profile from this wrong data, but you already know each one.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
( XXXX ) Account # XXXX or XXXX and ( XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXX or XXXX and ( XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting

I tried to get my free annual credit report and upon ID verification it asks about an auto loan and also a student loan. I have never received any type of loan in my lifetime. Please help me get to the bottom of this issue.
Product: Debt collection

a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2024, report I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputedi tems as soon as possible. Please send me a letter explaining your findings and actions.
Product: Credit reporting or other personal consumer reports

I was looking over my report and I see you guys marked me as late on this XXXX and XX/XX/XXXX and XX/XX/XXXX According to law 15USC 1681 ( A ) you are not supposed to do this
Product: Consumer Loan

Received a loan from XXXX XXXX and the harrasments and calling of references on a constant due to late payment is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an attempt to correct my EQUIFAX, XXXX, and XXXX credit report ( s ). I have identified fraudulent accounts and inquiries on my credit reports and need to report identity theft. Please remove and block the accounts below. 

XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX - - {$740.00} XXXX XXXX XXXX XXXX XXXX {$900.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting for these accounts to blocked and permanently removed from my credit report ( s ). These accounts and inquiries are fraudulent, unverifiable, and violate my consumer rights.
Product: Checking or savings account

When I was in North Carolina on   XXXX   XXXX   , 2017, I   no ticed my checking account at Comerica Bank had insufficient funds. I located the card with the bank routing number and the full account number because that information was NOT on the documentation the bank sent me. I called customer service on Friday,   XXXX   XXXX   , 2017 to as k about wiring funds into the account. I was told my account had already been closed and the only way to resolve the matter was to send a check. Within two hours I wrote a letter, copied it, and mailed a check for {$160.00} to the  XXXX   ( Texas ) o f Comerica Bank. On Friday,   XXXX   XXXX   , 2017 I re ceived a letter from  XXXX   XXXX   XXXX     XXXX   XXXX  attempting to collect a debt I had already settled and indicating the amount had been reported to  XXXX . My account was open for nearly  25 years before it was closed eleven days before I called to make an electronic funds transfer into the account. C omerica Bank acted in bad faith by refusing to allow me to execute a wire transfer, demanding a check, AND submitting my matter to a collections agency on the SAME day. If the only option for settling the matter is for the customer to send a check, then ample time must be allowed for the check to actually be received before the matter is submitted to a collection agency. I have disputed the charge with the collection agency and written multiple entities of Comerica Bank to communicate my view that the bank 's business practices are unacceptable. I am contacting this federal agency because my husband had a similar experience with a Comerica account he held in Michigan for many years. It is not an accident that a couple married for nearly  26  years would have peculiar experiences with branches of the same bank opened in states as distant as Texas and Michigan. I respectfully request exploration of Comerica Bank 's business practices because they are not clean.
Product: Credit reporting, credit repair services, or other personal consumer reports

Demand sent to DELETE AND REMOVE Demand sent to DELETE AND REMOVE COMMENTS Demand sent to DELETE AND REMOVE INQUIRES Demand sent to DELETE AND REMOVE ACCOUNTS Demand sent to DELETE AND REMOVE UNAUTHORIZED INFORMATION Demand sent to DELETE AND REMOVE ALL NON PROVEN INFORMATION
Product: Checking or savings account

I was fraudulently charged twice for a transaction in the amount of {$220.00} on XXXX. I tried calling the merchant and dealing with the bank but I keep getting the run around no one is willing to help me. I have been a loyal customer to Wells Fargo for 20 years and I would expect better customer service.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX ) and ( XX/XX/XXXX ) I'm now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your prompt action. XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, Please see attached - I was a victim of identity theft and there's fraud on my credit report I need to have resolved as soon as possible as its damaging my credit. 

Attached to this is : - My written complaint - My drivers license - My social security card - My address - Federal Trade Commission - Identity Theft Report
Product: Mortgage

I went through the loan modification process with Flagstar bank and my modification was approved with my new mortgage amount. My agreement from Flagstar bank and signed by XXXX XXXX on XXXX XXXX, 2016 as a true and certified copy. Since my new agreement, I have been making my payments on-time and I still receive collection calls from the Flagstar XXXX XXXX at XXXX, today I have receive a call from XXXX. I have informed Flagstar 's employees XXXX that I have a new agreement in place, have made my payments and request the calls to cease but they have failed to do so. I have repeated ask if they kept notes in their system on the previous calls since it is " recorded for quality assurance '' and it is apparent to me that XXXX do not keep a log of the calls that they have made to me since I had my XXXX Modification Agreement XXXX signed and approved. This action by Flagstar is gross harassment when they call my cell and home phone. If I have any legal standing to take action against Flagstar and XXXX please advise me. Attached is the XXXX to support my position.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. I do not owe this debt nor the account. I am requesting a permanent block on the accounts asap XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

so i saw a unusual activity on my bank account on XX/XX/2018 that someone ( cashnetusa ) company kept trying to take {$200.00} or {$230.00} out of my bano account so i was like wats going on .. to make a long story short my bank was overdraft due to me not wrking last time i wrked was XX/XX/2018 nd had a XXXX  injury nd had XXXX since was off clock didnt got paid so bank was overdraft due to not having money in it nd not making cards payments nd stuff ... anyhow i dnt usually check my bank account but tht day i did becauz XXXX XXXX XXXX has policy they charge u overdraft fee of {$35.00} so i went in to the XXXX  XXXX XXXX spoke to a representative about this she changed my card nd as i got a new card i was still seeing cash net was trying to take money out so i went to bank again so we contacted them they said i got a loan of {$200.00} from them nd i have to pay it back i said wat when i never got any loan from u guys they said theres a loan taken on ur name for {$200.00} on XX/XX/2018 i said i never applied for one i had a injury nd im not even wrking and y would i apply they said well too bad u have to pay thts not our business we will send it to collections nd they will take it from u we dnt care it was the manager at cash net who i spoke too at phone call she was super rude .. my bank lady closed down my account nd card nd opened me a new one stating its a fraud spoke to the fraud company dn was told to let social security office knw too went in there too cauz had to change last name since got married told them they said just file a complaint to XXXX  explain them they will take over now i got a call again from cash net threatening me to sell my info to third party to claim {$250.00} but i never took any loan of {$200.00} nd someone used my info im so scared i dnt knw wat to do
Product: Debt collection

National Credit Systems has a debt collection with an open balance of {$2300.00} by original creditor XXXX XXXX on my XXXX credit report opened XX/XX/2022 I have never rented from XXXX XXXX  nor have I been a cosigner for anyone ever. I have been renting my current home through a private landlord for the last 4 years and after further investigation it appears that XXXX XXXX  is an entirely fraudulent company that operates out of the Philippines according to their facebook page, I believe that if they have any information substantiating this debt it is fraudulent and the fact that they rejected my credit dispute with XXXX makes them complicit in this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

After review of my credit reports, I have found numerous inquiries that I did not authorize. Therefore, I have filed a POLICE REPORT. & A report with Identity Theft.com. These inquiries should be removed from my credit report ( s ). XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ...