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

My name is  XXXX   XXXX  not  XXXX   XXXX  and my address is  XXXX   XXXX   XXXX   XXXX    XXXX   del  XXXX  not  XXXX    XXXX   XXXX   XXXX    del  XXXX   XXXX   XXXX   XXXX    XXXX   del  XXXX   XXXX   XXXX    XXXX   de  XXXX , and the last for digit of my social is  XXXX  not  XXXX , and my phone number is  XXXX  not  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Re : Unauthorized Credit Inquiry Dear Sir / Madam I recently obtained a copy of my credit report from Experian. It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  All Banks - non specific XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX  ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX XXXX  Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX  XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX  ) XXXX  XXXX  Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX
Product: Credit card

After we were unable to use my Visa card for a gas purchase on XX/XX/2024, I called the bank and was told there was suspicious activity and they closed my card account, and even closed my online account access. At the same time as this call on XX/XX/2024, I saw that my {$910.00} in available rewards were issued as a direct deposit from my Visa account on XX/XX/2024 and my heart sank because I had not requested this. I've never redeemed my cash rewards and had {$910.00} in available rewards. Most reward redemptions are done as a Statement Credit. If a consumer wants their reward redemption done as a direct deposit or gift card it says : " To request a gift card or direct deposit, please call Customer Care using the number on the back of your card. You can still request a statement credit here. '' When I questioned all of this, they claim I called in to request a direct deposit of my reward redemption. I never did request this and I never called. I use a personal checking account for my monthly payment, which is stored in my online account, so they could have clearly seen that the funds they direct deposited did not go into my account. They issued new cards and I even had to reactivate my online access, at which time I also noticed they greatly increased their password criteria. I've requested the phone transcript from this supposed call that resulted in my rewards dollars being distributed on XX/XX/2024, in addition to the bank account number and associated name on the account they direct deposited my reward redemption. My visa card is issued by Comenity Capital Bank, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Their number is XXXX. As of today, XX/XX/2024, I've received nothing from them and they simply tell me " it's under investigation. ''
Product: Credit reporting or other personal consumer reports

I asked Equifax to place initial fraud alert and they complied and placed initial fraud alert. I then called Equifax as well as visited website to place extended fraud alert for 7 years. I sent Equifax a certified letter with all the supporting documents that Equifax had requested and received confirmation that Equifax received the letter and supporting documents. However, Equifax still has not placed extended fraud alert on my credit file. My initial fraud alert has expired now and I just checked my credit earlier today and realized that they had not processed my request for extended fraud alert despite multiple attempts at resolving the issue on my own. I ask cfbp to assist me in getting the extended fraud alert placed on my Equifax credit report/account.
Product: Credit reporting or other personal consumer reports

I am writing to report an identity theft issue and discrepancies on my credit report. I have recently discovered that my personal information has been compromised, leading to fraudulent activities on my credit accounts. I have taken steps to address these issues, including contacting the credit bureaus to dispute these inaccuracies and placing a fraud alert on my file. I seek your assistance in further investigating and resolving these matters. Please advise on the next steps to rectify. Also, I have a letter stating I don't have an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

While on vacation, I booked a rental car through XXXX with XXXX on XX/XX/2022. When we picked up the rental on XX/XX/XXXX, XXXX gave us an invoice for {$490.00}. I signed for this amount with the understanding that XXXX would temporary place a hold on our credit card for a security deposit in the amount of {$200.00} ( plus a deficiency in the payment voucher from XXXX of {$8.00} for a total of {$200.00} ). The security deposit would not be charged against our account if we returned the vehicle. We returned the vehicle on time XX/XX/XXXX. On XX/XX/2022, XXXX charged my credit card {$100.00}. On the same date, XXXX emailed us a new invoice ( which did not contain my electronic signature ). The new invoice included all the same line items except a new line item " O5 '' in the amount of {$82.00} plus additional taxes in the amount of {$13.00} ( the tax amount increased from {$47.00} on the original invoice to {$61.00} on the new invoice ). I contacted XXXX but did not receive a satisfactory response about the charges. I contacted my credit card company, U.S. Bank, to dispute the additional charges. The credit card company sent my a dispute form, which I completed and returned on XX/XX/XXXX along with a letter detailing the history of the transaction with XXXX. Periodically, U.S. Bank sent text messages telling me that the bank was investigating my dispute. They forwarded me XXXX 's response, which did not explain the O5 charge. I responded. On XX/XX/2022, U.S. Bank sent me a letter, denying relief on the disputed charges. The letter stated : " After reviewing the information that has been supplied, we have determined that we are unable to assist you in resolving your dispute. We have determined the disputed transaction is a difference in pricing rather than an incorrect transaction billed to your account. Unfortunately, the price was not provided in writing prior to the transaction being processed. '' I did not find this explanation satisfactory, so I contacted U.S. Bank customer service. On the morning of XX/XX/XXXX, XXXX from the fraud investigation department of U.S. Bank returned my call. According to him, the bank was denying my claim because I authorized the transaction even though I had not authorized the amount charged to my account. I analogized the situation to a restaurant transaction where a server charges a higher tip than authorized, but XXXX said the bank could not help me. I feel that U.S. Bank is being complicit in the fraud that XXXX has committed against me by charging a different amount than I authorized at the time of the transaction. A review of the two invoices makes it obvious. The fraud investigation department of U.S. Bank appears incompetent at its job or willingly overlooking the fraud perpetrated by XXXX.
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 furnishers, 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 disputed 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 Experians inactions violate federal law and my rights as a consumer.
Product: Payday loan, title loan, or personal loan

First off I did not receive any help to complete this. I have already contacted Affirm about fixing this and correcting their violations, but they have yet to do so. See attached for full details in my complaint and response to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for a mortgage and there are so many errors on my credit report that need to be addressed. I have not looked at my credit for years so there should n't be anything on it honestly.   I never had an account with  XXXX   XXXX  and s o I d ont owe  XXXX   XXXX   XXXX  anything.   I never had an account go past due with   XXXX    XXXX  this is an error or someone did this in my name.   Again I never have activated a  XXXX  account this account is incorrect or opened without my authorization. I dont owe them or  XXXX  anything and they 're on here twice. Please remove these incorrect items off of my report.   I have no idea what this medical collection is and I dont have any outstanding medical bills.    XXXX   XXXX   XXXX   XXXX  is another account i never authorized anyone to open in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions
Product: Debt collection

Jefferson capital systems , LLC Attn : Customer service/ collection department I am writing in reference to the collection activities currently being pursued by your company regarding the allege debt associated with account number XXXX with an amount of {$2300.00}. I dispute the validity of this debt and request that you immediately cease and desist from any further collection activities until you have provided me with the following documents 1. Forward Flow Agreement : A copy of the original Forward Flow agreement that demonstrates the transfer of the debt from the original creditor to Jefferson Capital ( not the bill of sales ). 
2.Change of Assignment : Documentation that clearly shows the chain of assignment for this debt, including any documents that details the assignment of the debt to Jefferson Capital System , LLC Please be advise that, under the Fair Debt Collection Practices Act ( XXXX, I have the right to request verification of the debt, and you are required to cease all collection activities until this verification is provided. I request that you send me the required documentation within 15 days of receiving this letter. I request that you immediately cease all collection activities related to this matter and remove any negative reporting to/from the 3 credit bureaus. 
failure to comply with my request will result in me considering further actions to protect my legal rights This request is made pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Debt Collection Practices Act. 
Please confirm receipt of this letter and provide me with the requested documentation at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts below are listed as a Charge Off on credit reports. 

XXXX - closed XX/XX/XXXX - {$2700.00} XXXX - closed XX/XX/XXXX - {$1000.00} XXXX XXXX - closed XX/XX/XXXX - {$530.00} XXXX  XXXX - closed XX/XX/XXXX - {$1700.00} XXXX XXXX - closed XX/XX/XXXX - {$460.00} XXXX XXXXXXXX - closed XX/XX/XXXX - {$1700.00} XXXX XXXX  - closed XX/XX/XXXX - {$3300.00} XXXX XXXX - closed XX/XX/XXXX - {$690.00} XXXX XXXX - closed XX/XX/XXXX - {$230.00}
Product: Debt collection

I've been disputing this debt that is not mine. Everytime dispute is complete. The company sells it off to another debt collector.
Product: Debt collection

My doctor ordered XXXX XXXX which may have been performed by XXXX XXXX XXXX but for which I have not received any XXXX XXXX detailing results and XXXX performed. I have contacted other labs in the XXXX XXXX area which indicate that the amounts charged are higher than competitive labs in the XXXX XXXX area, and despite my written request for lab report I still have not received said lab report. The lateness of the report means that I was NOT able to take effective action to reduce my XXXX before it became chronic so XXXX XXXX XXXX endangered my health by their lack of action. Additionally while trying to reconcile this billing I was told to call client services but I am deaf so that option is not acceptable. XXXX XXXX XXXX then sent my bill to Creditors Bureau which is a violation of HIPPA in as much that no medical information may be shared with third party without my consent. XXXX believes that I should travel back to XXXX XXXX to obtain this report from my provider but this is not acceptable or affordable to me since I have left that area for employment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number : XXXX I recently reviewed my credit report and noticed that this account is inaccurately reporting late payments. However, I made all payments on time, making these late payment notations incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers of information must ensure the accuracy and completeness of the data they report to consumer reporting agencies. Reporting information with actual knowledge of errors is a violation of this law. 
The credit reporting agencies are responsible for maintaining accurate and up-to-date records. This account has never been late, and I have attached a copy of my credit report highlighting these errors for reference. The incorrect late payments are reported as follows : * TransUnion and Experian incorrectly report a XXXX late payment for XX/XX/year>. Equifax inaccurately reports a XXXX late payment for XX/XX/year>. 
* TransUnion and Experian incorrectly report a XXXX late payment for XXXX and XX/XX/year>. XXXX inaccurately reports a XXXX late payment for XXXX and XX/XX/year>. 
* TransUnion and Experian incorrectly report a XXXX late payment for XX/XX/year>. XXXX inaccurately reports a XXXX late payment for XX/XX/year>. 
* TransUnion and Experian incorrectly report a XXXX late payment for XX/XX/year>. Equifax inaccurately reports a XXXX late payment for XX/XX/year>. 

I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience.
Product: Credit card

In XX/XX/year>, I applied for a XXXX XXXX XXXX which was issued through Comenity Capital Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I charged a portion of my upcoming vacation ( at the end of XXXX ) and paid the balance in full on XX/XX/year> ( the amount was {$8500.00} and check number was XXXX ). I checked my banking a week later as I knew the bill was due on XX/XX/XXXX and noticed that the check wasn't cashed. When I called XXXX they reassured me that they would take care of it in time and advised me to call back by the end of the week ( XX/XX/XXXX ). When I expressed my concern that there would not be enough time for my balance to be clear and still be able to use my card, they again reassured me that there would not be a problem. I monitored my banking but realized that they still hadn't cashed my check, and the due date had come and gone. I called back on XX/XX/XXXX and made a minimum payment ( {$86.00} ) as I was going to XXXX in a few days and wanted to use the card I asked to speak with a supervisor. He took a report and gave me the confirmation number of XXXX. My call was abruptly disconnected, and he never got back to me. On XX/XX/XXXX, I put a stop payment on the check with my bank. When I went to use my card in XXXX, I was unable to do so and called them again and they stated I was unable to use my card because I put a stop payment on the check which was their policy. I paid the entire balance off in XXXX ( {$8900.00} ) but noticed that I incurred a finance charge ( {$130.00} ), an interest charge ( {$110.00} ) and a cancelled check fee ( {$30.00} ). I called back again on XX/XX/year> and the person taking my complaint claimed she would take the report and send it " upstairs '' for review. However, I never heard back from anyone any of the times I contacted them. I also requested to have my Rewards Balance of {$270.00} refunded to me but she claimed her system was down and wouldn't be able to process it. She also said that I was unable to use my card for 90 days because of the stop payment I put on my original check. 
I firmly believe that this company is engaging in deceptive and unfair practices and using punitive interest fees and late fees to make an extra charge. Moreover, none of my questions were ever answered satisfactorily, no supervisor from the company ever got back to me ( except to state that they were not excusing the stop check fee ( Which they charged me twice for! ) I was counting on using the card in XXXX so as to not incur additional fees ( which they advertised and was told when I applied for the card ). I was unable to do so and feel that this company ripped me off as this is considered commonplace for them.
Product: Vehicle loan or lease

Over the life of the loan, we have paid every month more than the minimum payment of {$250.00}. We believed the " extra '' {$19.00} a month was going towards the principal, but we recently learned that the " extra '' was being applied to future payments. This resulted in our current outstanding principal being about {$2000.00} more than we thought it should be. We have called U.S. Bank twice and asked to have the previous payments reallocated. After the first call, we never heard anything. When we called about two weeks later, on XX/XX/XXXX, the representative said " the back office didn't understand the original request. '' No one had contacted us to clarify the request. The rep we spoke to on XXXX XXXX said she would make the request again, it would take about three business days to make the change, and then we would get a letter in the mail confirming what had taken place. It has been 8 business days since that call. I followed up today ( XXXX XXXX ) by email and requested an update in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a previous complaint with Equifax through the CFPB, COMPLAINT ID XXXX. After siting multiple sections under the Fair Credit Reporting Act they still didnt delete the items that i requested deleted and that where a violation of my right and the Fair Credit Reporting Act.
Product: Mortgage

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 i submitted a request to dispute an account that is assumed to be identity theft. Transunion didn't honor my request to block the account. I subsequently placed a Fraud Alert on my credit profile as i continue to pursue further avenues to get these fraudulent accounts removed from my report. I recently received a letter from Transunion on XX/XX/2023 in the form of an unsealed postcard, confirming my action to place a fraud alert on my account. This postcard received was not in a sealed envelope, infact it was simply a postcard with all my information pertaining to the fraud alert, it even included the file number for my account. This postcard which isnt sealed reveals all my private information and actions pertaing to my credit file to whomever handles the mail, including the mail carriers and whoever elses hands it has touched. I called transunion to explain my frustration with allowing my private credit profile information to be revealed, which was ironic because the reason for the fraud alert was due to my private information being leaked on the dark web. The supervisors agreed with me that this was a huge mistake on behalf of Transunion. The supervisor also agreed that this letter is usually in a envelope where no outside party or person can see the information about my report. I'm so upset with Transunion for this mistake and am looking into further litigation on my behalf. I find this to be a breach of confidentiality and handling of my personal information. it's unacceptable. The risk of exposing my information to multiple mail handlers and carriers further adds to my frustration and vulnerability during these increased fraudalent times. I would like action taken against Transunion effective immediately!
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Credit Report and noticed that I had XXXX late payment on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have responsibility to report Consumer information for the best of their ability with Maximum Accuracy. I have never been late on payment for the account XXXXXXXX XXXX, Partial Acct # XXXX. Please Investigate a provide proof with statements showing that these payment were late.If proof cant be provide I demand these payments be update to on time as they should be as I was never late. Thanks.