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 researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov 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 are 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 CA, XXXX ; XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX & XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4700.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX & XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/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, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX AND TRANSUNION Credit Bureaus failed to comply with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXXXXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the following accounts completely from my Credit Reports : ( LateClosed XXXX XXXX Balance {$410.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; Chargeoff XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$590.00} ; Collection XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} )
Product: Credit card or prepaid card

On or about XXXX, XXXX, I applied for and received a Kroger Prepaid Visa Card issued by US Bank. On XX/XX/XXXX, I made a purchase of {$600.00} on my card from XXXX. Several minutes later, my order was canceled by XXXX because the item was no longer in stock. XXXX advised me that they released the authorization upon canceling the order. When the funds did not go back into the account within two days, I followed up with customer service. I was advised that they would retain the funds for 10 days, which would indicate that the funds would then become available on XX/XX/XXXX after XXXX XXXX. As of the date of this complaint, XX/XX/XXXX, the funds are still on hold. 

Most disturbing, however, is the fact that this card is issued by US Bank as delineated on the back of the card and in the Agreement. However, US Bank disclaims any knowledge or responsibility for this card. When I sent an email to US Bancorp Executive Vice President and General Counsel XXXX XXXX, my email was forwarded to US Bank Executive Communications Unit. This office refers to themselves as " Office of the President. '' Essentially it appears to be an escalated form of customer service. A representative named XXXX called me and was wholly confused as to what a Kroger Prepaid Card is and stated that her office does not handle these matters. I asked her to forward my complaint to the correct office which handles this business line of US Bancorp, but received nothing responsive to my request for assistance. 

I am in the process of filing a lawsuit against US Bank in connection with this matter. It is completely unacceptable that the Bank is operating in this manner.
Product: Prepaid card

On XX/XX/XXXX I loaded {$1000.00} each to my XXXX XXXX XXXX XXXX, totaling {$2000.00}. Later that day I received email notifications that both my accounts were closed without giving specific reasons. I called XXXX XXXX  customer service and was advised I could only write letters to XXXX XXXX  office in XXXX Georgia to communicate on this matter which could not be handled by customer service agents on the phone. 

On XX/XX/XXXX I wrote a letter to XXXX  inquiring about the reason for account closure and requesting refund of my balances. On XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX and the letter enclosed with a {$100.00} check. On XX/XX/XXXX I wrote another letter to XXXX  to inquire why total balance of {$2000.00} is not refunded and they only sent a check of {$100.00}. Enclosed with the letter are store receipts on XX/XX/XXXX for loading the {$2000.00} fund to my XXXX cards. 

Having not heard back from XXXX  for a month, I called XXXX XXXX customer service for the second time on XX/XX/XXXX. Again, I was told that XXXX XXXX customer service agents could not handle this and the only way to communicate on the matter is by writing to XXXX. So I mailed another letter to XXXX on XX/XX/XXXX, requesting refunding the {$2000.00}. Enclosed with the letter are the receipts and the past correspondences. 

To this day I have not heard back from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a debt validation letter exercising my rights as a consumer under the FCRA ( Fair Credit Reporting Act Section 809 ) and " XXXX XXXXXXXX, XXXX '' has NOT complied with Federal law and regulations. " ONLINE INFORMATION SERVICE '' failed to respond to my debt validation letter section 809. This is now a federal violation of the Fair Debt Collection Practices Act which I intend to sue for Defamation, wiling financial injury, and FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX. 

I've attached proof that I sent " ONLINE INFORMATION SERVICE '' a Debt Validation Letter and that they've received my letter at approximately on XX/XX/XXXX at XXXX XXXX. The Fair Debt Collection Practices Act requires companies to respond within 30 days after receiving a dispute. I intend to sue for the maximum amount which is {$20000.00}. 

I am now located in Texas, and this is the maximum amount that a person can sue for in small claims court. I've been denied housing and jobs because of this collection account so I intend to sue if this account is not removed immediately from my 3 major credit reports. I have all the proper documents to win in small claims court without a reasonable doubt should this account not be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not sure why this hard inquiry is on my report. I never requested this.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX Hello, I worked with you guys to get XXXX XXXX XXXX to follow the law under the Fair Credit Reporting Act as they stood in direct violation of them and continued to report information that was fraudulent to the bureaus despite being sent 2 police reports, FTC ID Theft Report, and mountains of paperwork. Their employees we incredibly hostile and rude all throughout and I always ended up hung up, with no callback, after a total talk time of about 15 minutes with the remaining hours stuck on hold, transferred around or " reverified. '' Target has done everything in its power to make this process a literal living nightmare that never ends. Eventually, I had had enough- and thank god for the CFPB, you stepped in and shortly after I received a letter from targets " Fraud General '' apologizing and ensuring all had been corrected and all drugstores removed with credit line restored. 

I waited about a month and a half and still of the bureaus were showing incorrect info I attempted to call the number on the Fraud Generals letter and it just directed me to the main consumer line where the nightmare started all over. after a month of calling every day.. they FINALLY agreed to update it after numerous lies like " payment history is controlled by a computer system and there is no way for us to edit it, and NO you can't speak to a supervisor- then hang up, or " It's illegal for us to change that even though we know its incorrect. I have asked the bureau to check on THREE times and they all keep coming back with creditor verified the information to be accurate- no change. 

I received a letter today, XX/XX/2019 stating that as of XX/XX/2019 target AGAIN reported to them that the information they are giving is right and I am lying. I even sent Equifax all of the supporting documentation including the note from the CFPB and XXXX fraud general. The dispute denial I received today basically says they don ' care and it will remain. It is very negatively affecting my family to move out of very horrible living conditions and is preventing me from securing any more credit the start-up business I am running. I don't know how or why they can so blazingly ignore the law- please help. 

Thank You Very Much.
Product: Prepaid card

I had a scheduled DD for XXXX which did not post to acct, and all prior monies in account were missing. After contacting the company via email the dd was processed manually howerver, my monies that was there {$480.00} was and IS still missing ... I was NOT and STILL can not access it as debit only credit. I was not able to use the atm except XXXX and it took my balance to XXXX although my dd was loaded. My statement is showing as pending with transactions that were posted and paid XX/XX/XXXX. I have emailed them over 10x, messaged them XXXX as requested, called every corporate number and no return call regarding my missing monies. ( I am now missing XXXX that was credited back to my account ) XXXX XXXX has been stating that the system is up working at 97 % capacity which is not true. He states that only individuals who cards were deactivated in error are still having issues, NOT TRUE. Take a look at his Rush card XXXX pages do those comments look as if all is okay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account number : XXXX Date Opened : XX/XX/XXXX XXXX has been reporting misleading, inaccurate, inconsistent and unverifiable information on my Equifax credit report. This is a joint account and they are reporting different inaccurate, inconsistent and unverifiable information on the co-owners Equifax credit report as well. 

Both of us have disputed this information many times over the last several years. We are entitled to a 100 percent accurate credit report. Equifax continues to report inaccurate information without verifying any of the inaccuracies and incorrect information, and not reporting an accurate payment history, as well as providing all the documentation. 

There are several pieces of information that XXXX is reporting are different and misleading, inaccurate, inconsistent and unverifiable on all of our different credit reports. The balance is different and/or missing, the payment history are different and/or missing, and dates are different and/or missing. There are over 20 items that do not match. There are numerous errors as well as missing information which violate FCRA laws. XXXX as well as Equifax seem incapable of or unwilling to resolve our disputes. 

They have also added to our credit reports a payment in the amount of {$5500.00} in XXXX of XXXX, in which neither of us made. This only is a violation of Federal laws. XXXX is using abusive, deceptive and unfair debt collection practices. 

I have contacted XXXX and asked them for all documentation on this account. They did provide a statement which shows that this account has a {$0.00} balance on XXXX of XXXX. However, they have failed to produce all documents so this account could probably be verified and 100 percent accurate. 

We feel that Equifax willfully and wantonly reports this account to keep our credit damaged so that we can not obtain credit, pay higher interest rates, cause mental anguish, loss of credit, higher insurance rates, etc. This is malicious prosecution. This account has caused us both mental anguish and emotional distress. 

Per FCRA, reporting must be 100 percent accurate or the account must be deleted from ANY and ALL credit reporting agencies, not just XXXX, Equifax and XXXX. Therefore, I am demanding that ALL reporting on this account cease and desist and be IMMEDIATELY deleted from credit reporting agencies ( not just the major three ) permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

There want be anymore investigations or disputes in this matter, the fraudulent negative accounts as seen on my credit reports still today [ XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX ] are now involved in litigation and will be handled in federal court. Thank you and have a great day.
Product: Credit card

American Express Ref # XXXX I do not think this is a fair transaction. This company utilized my signature ( receivable ) and transferred it into a security. To which this company continues to make a profit on by trading it on the market. Is this why you can not retract my application? I did not receive the charge card that I applied for. Your reason for denial was my XXXX score. Per your perspective filed with the SEC it states you cant verify a XXXX 's score accuracy, so how then can you in turn deny me for this charge card? 


The response provided by American express and I quote " An evaluation of your application was conducted and unfortunately our decline decision remains based on your XXXX score. '' Again this goes against your Prospective filed with the SEC. I think they should be notified that you do not live up to your prospective.
Product: Credit reporting or other personal consumer reports

I am the victim of id theft I did not authorize this company to place a inquire on my Report this is a fraudulent inquiry
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in month is late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

I applied for a refinance of my first mortgage on XX/XX/XXXX with an application fee of {$550.00} given on that date. We are now at XX/XX/XXXX and I have yet to have a decision made on my loan. This is a violation of the Reg B rule of a requirement of 30 days for an application decision. I have provided every request within hours of it being made. I asked for a refund of the application fee onXX/XX/XXXX since they cant make a decision on my loan and the application I paid for isnt being underwritten in a timely manner. No one will respond. I informed them I am aware they are in violation of the Ecoa rules With no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found the following fraudulent accounts on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} act # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$74000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXBalance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$68000.00}
Product: Vehicle loan or lease

Subject : Formal Complaint Regarding Document Discrepancies and Deceptive Practices To Whom It XXXX Concern, I am writing to file a formal complaint regarding several critical issues related to a recent proposed deal with XXXX XXXX XXXX XXXX. These discrepancies have caused significant concern and frustration, and I seek your assistance promptly. 

XXXX. High-pressured sale : There was a heavy sense of pressure being applied to get the deal. I was XXXX XXXX XXXX at the time which I believed also played a part in the influence of trying to get me to take the deal which was not a good deal to begin with. 
XXXX. Incorrect Start Date for First Payment : The documents fail to specify the agreed-upon XXXX start date for the first payment. This omission directly contradicts our initial agreement and raises serious questions about the contracts validity. 
XXXX. Incorrect Lienholder Information : The documents identify GM Financial as the lienholder but XXXX XXXX ( the dealership ) states that they are not my lienholder. GM Financial has confirmed that I am not in their system on either the customer service side or the fund department side. This discrepancy is deeply troubling, as it affects the security of my financial obligations. 
XXXX. Refusal to XXXX XXXX XXXX : Despite my repeated requests, XXXX XXXX sales XXXX and sales representative have refused to provide the name of the actual lienholder. Their lack of transparency impedes my ability to fully understand my contractual responsibilities. 
XXXX. Undocumented {$500.00} Downpayment : The documents do not reflect the {$500.00} downpayment that was explicitly part of our deal and has not been paid to date. This omission undermines the integrity of the entire transaction. 
XXXX. Nonconsenting drop off the vehicle : After explicitly advising the dealership I would not be accepting service or consenting to a drop-off. They drove the car to my apartments, parked the car in an open parking spot somewhere in the apartments, and dropped the keys off in the front office without getting signatures or even permission from the front office to leave the keys in their possession. 
I kindly request that the Consumer Financial Protection Bureau investigate these matters promptly. I believe they constitute deceptive or unfair practices, and I seek resolution through your offices intervention. 
Please find attached copies of relevant documents, including the invalid contract with conflicting, inaccurate, and missing information deeming the proposed deal voidable, which XXXX XXXX refuses to do. I appreciate your attention to this urgent matter and look forward to a timely resolution. 
Sincerely, [ XXXX XXXX ] [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX OF XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX INQUIRIES : XXXX XX/XX/2024 : XXXX OF XXXX XX/XX/2024 : XXXX XX/XX/2024 :
Product: Debt collection

XXXX have harassed me without validating debt despite a request and has not adhered to a cease and desist order for contact and/or communication within 30 days. Moreover, the amounts claimed to be owed are incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized hard credit inquiry from Pentagon FCU appearing on my XXXX  credit report. Ive attached a copy of the pre-approval letter from my credit union, XXXX XXXX XXXX ( who currently finances my vehicle ), as well as a letter from XXXX XXXX XXXX admitting my credit was ran in error. There was no reason for Pentagon FCU to run my credit due to having already secured financing through my own credit union. 

I am requesting that Pentagon FCU remove the hard credit inquiry from my XXXX credit report. 

I will pursue legal action, if necessary, to request the inquiry be removed from my credit report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00}