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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, Phone ( XXXX ) XXXX The account listed is a charge off and is past the seven years allowed to be on my credit report. The information is also reported incorrectly. The dates and amount are incorrect. They have refused to remove or correct the information.
Product: Credit reporting or other personal consumer reports

These items do not belong to me and or were never late XXXX XXXX balance {$4900.00} not my account XXXXXXXX XXXX XXXXXXXX {$21000.00} not my accounXXXX XXXX XXXX XXXXXXXX {$12000.00} not my account XXXX XXXX account was never late
Product: Vehicle loan or lease

I went a bought a vehicle from the XXXX dealership. The loan was originally financed through Capital One but refinanced through XXXX XXXX. Capital One received the check ; however, according to the DMV records, Capital One still listed as a lien holder.
Product: Vehicle loan or lease

I, the consumer and natural person was denied credit by Penfed Credit Union, on XX/XX/year>, when I applied for an auto loan to purchase a new car. 

Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Penfed Credit Union due to the response I received. 

Penfed Credit Union, is in violation of 15 U.S code 1642 U.S.C 1681m and 12 CFR 1002 because I, the consumer made an application in good faith, but credit was not issued. 

Furthermore, because my social security number was used and I received NO benefit. This is proof of fraudulent activity on behalf of Penfed Credit Union. 

If Penfed Credit Union fails to make any reasonable procedures to resolve this matter and compensate me for the use of my social security, I will indeed make Penfed Credit Union criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681m and 15 U.S.C 1681o. 

I will also follow up with an invoice for said violations ( {$1000.00} ) per violation. 


Thank you, XXXX, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/22 a deposit of {$5400.00} was made into a joint account between myself and mother. I did not request this loan! At the time, my mother had XXXX ( she has since passed ) so she also did not ( or could not ) request this loan. Since that time, I have been charged with a monthly payment of approximately $ XXXX. I contacted my bank XXXX XXXX XXXX XXXX ) and they have since refunded some, but not all of these monthly charges. Just recently I was notified by XXXX XXXX that the full value of this loan is {$10000.00}, even though only {$5400.00} was credited to my account, again without my consent. This loan is damaging close to perfect credit score. This morning I contacted the loan company, Upgrade.com and they recommended that I contact this site. I just want the monthly debits to go away. I'm obviously ok with paying back the amount credited to my account, but only that amount, not the related interested or any principle that I did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Product: Debt collection

Hello, my name is XXXX XXXX and through this portal, I want to formally file a complaint against CBE GROUP. 

This collection company is reporting an account on my credit report in which the balance has been paid but they are still reporting it. Also, they do not have a registered agent in California, I tried to file a small claim against this company but found out that they are not registered. 

I request an investigation regarding my case since this situation has been stressful for me, there have been nights in which I can not sleep due to this problem and the financial consequences have resulted in the denial of loans due to this negative account that the company is reporting.
Product: Credit reporting or other personal consumer reports

In accordance with a Fair Credit Reporting Act the list of accounts below has violated my federally protect the consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 15 USC 1681 section 602a States I have rights to privacy. 15 USC 1681 section 604 ( a ) Section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years. 15 USC 1681 s-2 ( a ) ( 1 ) a person should not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 6802, i never receive the required opt-out notice at the time the account that is being reported ( they never give me the opt-out notice ) .i have a right to opt-out from any reporting of non-public info.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the findings of your recent investigation into XXXX XXXX XXXX XXXX XXXX XXXX. Your investigation, as outlined in your correspondence dated XX/XX/scrub>XXXX  failed to meet the standards required under Section 1681o of the Fair Credit Reporting Act ( FCRA ). 



Under Section 1681o, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : 1. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation.

2. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter.

3. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information.

I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance. 



Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., 30 days ], as required by law. Should you require additional information, feel free to contact me directly at XXXX XXXX 



Thank you for your attention to this matter.
Product: Credit card or prepaid card

Some clone my card and was able to withdraw money and make transactions. When I card to report fraud. I was told that they didnt find any errors and I couldnt get my money back
Product: Credit reporting

I have submitted disputes through the normal process XXXX times and theinformation has not been updated in my credit report. I have includedproof of the payment information in this claim, which was also sent to the credcredit bureaus. Please have them remove or update the information asrequired by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB : I received a NOTICE OF DATA BREACH from Capital One dated XX/XX/2019. 

On XX/XX/2019, Capital One learned there was a data breach and unauthorized access of its systems and customers personal identifiable information. In the letter, Capital One noted that my Social Security was one of 140,000 numbers stolen because of Capital Ones faulty security systems : In addition, for a subset of these consumers, about 140,000 Social Security numbers and 80,000 linked bank account numbers were obtained. We are sorry that your Social Security number was one of the 140,000 obtained. 

Capital One offered two years of credit monitoring and identity protection with XXXX. This compensation is not commensurate with the damage done. My Social Security is now, forever, in the hands of a party that should not have it. This is permanent, irreparable damage. 

As such, on XX/XX/2019 I called Capital One, the number on the NOTICE OF DATA BREACH ( XXXX ) to learn what recourse I had to obtain additional compensation. The customer support agent indicated she could not offer additional compensation, that whatever the NOTICE OF DATA BREACH stated was the only compensation Capital One could offer ( that is, the two years of credit monitoring and identity protection with XXXX ). 

I asked to speak with a supervisor. The customer support agent escalated the issue to her supervisor. 

The supervisor called me back a few minutes later. And I asked what recourse I had to obtain additional compensation because the two years of credit monitoring and identity protection with XXXX is grossly inadequate. 

The supervisor reiterated the same as the previous customer support agent, that she could not offer additional compensation. And suggested that Capital One is working on it, that there might be additional compensation down the line, and that Capital One will be in touch with me. 

I asked to file a formal complaint through Capital Ones complaint system. The supervisor confirmed she filed a Tier 2 complaint. The complaint being : My personal identifiable information was stolen from Capital Ones systems, including my Social Security number, due to Capital Ones weak security systems And that Capital Ones offered compensation for this data breach is not sufficient. 

Thank you.
Product: Debt collection

Never received orignal contract with my original signature stating I ow the account. Never received a debit validation letter they put the account on my XXXX  account and messed up my credit score needs to be removed immediately
Product: Debt collection

Sent debt validation letter and haven't received what was asked only received a bill. sent this letter a few times I hope I can get some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

A LETTER TO REMOVE ALL INACCURATE INQUIRIES FROM REPORTS WAS SENT TO XXXX, XXXX AND XXXX ON XX/XX/2021.
Product: Checking or savings account

I attempted to deposit a check in a high yield savings account on XXXX XXXX, 2025. I was contacted by the bank via phone, asking about the nature of the check and deposit. I provided information about the source of the funds and offered to provide documentation. The bank representative declined. Since then the account has been frozen and I have been unable to access any of the funds in the account. Repeated inquiries by phone and in person via visit to a bank branch have only yielded that the bank is investigating the deposit, and will provide no more information on what is wrong, and what I can do to rectify the issue, nor have they indicated when any funds int he account, including funds in the account prior to the deposit, will be available.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XXXX account Account ending in XXXX Citi Reference Number : XXXX Citibank blocked my checking account on XX/XX/year>. Since then, I have made several attempts to resolve this issue by visiting Citibank branches in XXXX with valid photo identification and contacting the Citibank fraud center. Unfortunately, the matter remains unresolved. 

During each interaction with Citibank representatives, I was informed that I would receive a letter containing a reference number necessary for identity verification. The bank has claimed to have sent this letter on multiple occasionsXXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, I have not received any of these letters. 

To ensure I do not miss any mail, I have registered for the XXXX XXXX XXXX XXXX and have been diligently checking my mailbox every morning and evening. Despite these efforts, no correspondence from Citibanks Fraud Prevention department has arrived. 

It has now been XXXX  days since I have been unable to access my account. I have requested that Citibank unblock my account, but the problem remains unresolved. 

I requested that Citibank unblock my account, but they keep telling me to wait for a letter that is not arriving. I implore your urgent intervention to compel Citibank to promptly rectify the situation. 
Thank you for your prompt attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I pulled my credit reports with all XXXX XXXX 's. I had a Bankruptcy listed on all XXXX bureaus. I sent out certified letters to all XXXX XXXX 's on XXXX. EXXXX XXXX XXXX completed the investigations in a timely manner and found the information to be unverifiable. Experian XXXX is another animal. They Signed for the certified letter on XXXX and completed their investigation on XXXX XXXX Report # XXXX XXXX. In my letter I explained to them, Experian Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. They provided none of the above. They have not removed the items in question and have failed to verify them correctly. I sent a 2nd letter to them via certified mail on XXXX and it was signed for on XXXX ( Report # XXXX ). In Experian 's response and denial they stated " The company that provided the information has certified to Experian that the information is accurate. '' Once again they were not able to furnish the appropriate documentation to me that this is a valid and verified debt, even after I requested it. I have contacted the XXXX XXXX XXXX XXXX they have verified that they do not provide information to the XXXX 's. I have called Experian multiple times and have not gotten resolution. Most recently I called on XXXX at XXXX EST and spoke with XXXX who transferred me to her supervisor, XXXX XXXX ID # XXXX ) who also could not help. She transferred me to the XXXX XXXX and I briefly spoke to a woman named XXXX who transferred me to her supervisor who claimed his name was XXXX. XXXX refused to give me any type of employee ID # or last name and claimed it was illegal and against company policy to do so ( even though a previous supervisor had no problems doing so ). XXXX claimed that the information was verified through " XXXX XXXX' and was not going to be removed. After lengthy conversation with XXXX, it slipped out that the information was verified by a XXXX party vendor, not Experian Credit Bureau. This is a clear violation of my rights under the FCRA and has caused me SEVERE financial harm and emotional distress.
Product: Debt collection

As of XX/XX/2020, I have sent monthly letters to CITI BANK asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that CITI BANK to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter just turned XXXX and I wanted to get her a new car since she is going off to college. As I went into the dealership and picked out the car I wanted for her I had to get my credit report pulled and there was a list of things I was not familiar with. None of these things listed on my report is not mine. Could you please remove these items listed. 

XXXX  XXXX {$2400.00} XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX   XXXX {$140.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$130.00}
Product: Student loan

Account # XXXX -- Navient changed my interest rate from a High 6 to a 9.75 % interest rate.
Product: Money transfer, virtual currency, or money service

I received XXXX class action settlement notices from Cash App saying that I qualified for a refund. When I filled out my claim form online I could never press submit at the end to receive a confirmation. I looked on my social media to see when payments were being rendered and some people had received them. I never received my payments or any notification that my claim went through at all. I tried multiple times on XXXX different computers but it did not work. It saddens me that I also just reported that someone stole my identity on cash app recently and created an account without my consent. So this is scary that I submitted my information and never received anything. Also, I was the guardian of my sister from GA earlier last year on my cash app account. She ran away and I begged cash app to restrict her account and send me the funds immediately. They never did and she was able to book her an Lyft, sneak out the window, and disappear. I missed work due to this and worried myself sick but the only service they could offer was chat messages which did nothing for days. Never got a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dipped 39 points in XXXX. I now see remarks on all my files from WF just because I disputed and they filed in their favor. I will soon be buying a new home and my score is in the 600s! I was in the 700s 2 months ago. This is unacceptable. I have proof now that your forbearance plan shows NO DATA when I was paying mortgage in FULL after XX/XX/2020. I made a payment in XX/XX/2020, but since you set me up on the COVID plan. They forced the dates in XXXX. I also started paying right away and told WF that I no longer wanted the plan, but they did not stop this plan until XX/XX/2020 without my consent hence my unapplied payments I kept making and they having to manually enter them, but I paid my mortgage in FULL every single month I have had this loan. Like I stated before, the only months that were deferred were XXXX & XX/XX/2020. I just paid this loan off and I have paid back the {$1500.00} in FULL, but now having FORBEARANCE on my account is also going to hurt my credit. I have all my statements to prove this. So why are all credit reports showing NO DATA for all the months up to XX/XX/2020? Because WF did not report me correctly. This should show PAID as HUD paid those two months for me and I want these remarks removed from my credit reports and especially my sister XXXX XXXX as she was not even living in the home anymore.
Product: Credit reporting or other personal consumer reports

Received a recent email from EXPERIAN advising that my XXXX /EXPERIAN credit my been dramatically reduced by them. 
I spent over a XXXX XXXX on the phone with requesting an explanation for this action. 
They refused to provide me with an answer to my question. 
Instead they hung up the phone on me!!!! 
All I'm asking is for a simple reason why my XXXX  credit score was tossed into XXXX  by them ... ... ... ..a specific reason why and NOT a canned answer. 
Something caused EXPERIAN to XXXX  and destroy my credit ( score ) and I would appreciate the courtesy of a legitimate, valid answer. 

They REFUSE to give me one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been getting phishing emails from Equifax since I set up a monitoring membership with them in XX/XX/2020. I believe the emails are going to someone else 's XXXX first and then being forwarded to me. I am the victim of Cyberstalking and now Identity Theft. I have filed 2 IC3 reports and have tried to resolve the issue with Equifax with NO LUCK. No one will tell me the truth and I believe they can see what the issue is but are not telling me. All of this is putting me in a financial bind. 

I mean I am being violated in so many ways and no one is doing anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX about reporting to third party credit bureaus on an account that is closed. I do not wish to contract with XXXX XXXX. XXXX, XXXX, and Transunion have not removed the closed XXXX XXXX account from my report as I did not give written or verbal agreement to report to those agencies. I have tried to dispute the account with the bureaus but they have yet to remove it.