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

On XXXX XXXX, XXXX I sent a fax to XXXX XXXX in the Consumer Affairs department with Equifax to have my student loans information corrected due to Equifax reported two of my student loans in default for XXXX XXXX and XXXX XXXX for these XXXX student loans accounts : XXXX {$1800.00} and XXXX {$1800.00}. I also enclosed the proof regarding the loans were deferred and never in default. I checked my credit report on XXXX XXXX, XXXX and it still showed the student loans being in default in the negative account section of my credit file which has caused a major impact on my credit score due to the fault of Equifax. I contacted Equifax and was directed to Consumer Affairs on XXXX XXXX, XXXX and spoke with XXXX XXXX at that time and the representative stated and assured those XXXX student loans were updated and no longer showing in the negative accounts section because Equifax caught the mistake and corrected. So I check on XXXX XXXX, XXXX to see if the update took place and it still showed those 2 student loans in default and in the negative accounts section and now in dispute which I did not request for those accounts to be disputed because according to XXXX XXXX this was corrected and the error was caught by Equifax to correct what they had done. I contacted Equifax once again and spoke with a XXXX XXXX and she told me that XXXX reported these two accounts as default for XXXX XXXX and XXXX XXXX, which that is incorrect because I contacted XXXX and they confirmed they did not send that information over to Equifax and what Equifax is reporting is incorrect and none of my loans were in default as confirmed by the representative with XXXX. The representative at Equifax, XXXX XXXX stated that it was reported by XXXX and it was in dispute, and I informed the representative that I did not dispute and I was advised these 2 accounts were corrected because Equifax made the error in reporting false information. XXXX XXXX then begin to falsify that I stated I was recording the call and I did not state that, the representative was trying to look for a reason to disconnect the call. XXXX XXXX would not give me corporate information to make a formal complaint about this issue and stated that she was the highest level of escalation and management. She did not give me any management names that is over her and kept saying she is the highest level of escalation and disconnected the call. This has been an horrible experience with Equifax and due to the hack that took place they are not willing to resolve any issues.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Checking or savings account

On XX/XX/XXXX I XXXX Bank of America to let them know that I have lost my My debit card or it was stolen. I called the next day to check my balance and it went from {$18000.00} down to {$9000.00}, XXXX charges that I did not Do these charges that they were fraudulent and they said OK that they would fix it and send me a new card. OK that was fine OK that was fine Since they said they would make it right and put my money back in my account. I waited 3 days and I received my new card in the mail I called to activate it and the card had been compromised!!! How in the XXXX is that possible when I just received the card... I got in contact with them and let them know What was going on and they said that they would put in a claim What was going on and they said that they would put in a claim. Message saying that my claim was denied and that they would not be refunding my money {$18000.00} Vanished from my account and they refused to do anything about XXXX do anything about it some charges were done in XXXX  I live in XXXX  there's no way possible that they could have been refused to look into it and do their job and review the cameras or voice recordings or whatever and see that it was not me! So because all this has happened I have now XXXX XXXX XXXX because I can not pay my rent I now XXXX XXXX XXXX XXXX with my XXXX XXXX XXXX XXXX XXXX. This isn't right!!
Product: Credit reporting or other personal consumer reports

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect in the DISTRICT OF COLUMBIA. If you purchased this as a debt collections device to make money as a debt collector, thank for paying off the bill. You have 10 days to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report. Failure to respond in 10 business days is acceptance and your failure to cure your dishonor you will receive my NOTICE AND DEMAND for XXXX in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness, Dishonor in Commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violations, FDCPA violation. 



In accordance with the UCC laws, all Commercial Transactions must be recorded with the Secretary Of State.

Also According to the UCC 11 search, I the Consumer do not have any Liens/Debt in my name.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX  ) account is not mine and should remove it from my credit. This is account is the result of identity theft..
Product: Debt collection

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act this creditor has violated my rights. 

Under 15 USC 1681 sec 602 : States i have rights to privacy.

Under 15 USC 1681 sec 604a sec 2 : States a consumer reporting agency can not furnish any information without my written consent. 

Under 15 USC 1666b : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

THE FOLLOWING ACCOUNT FROM XXXX XXXX ACCOUNT NO. XXXX SHOWED THAT I WAS LATE 30 DAYS IN XX/XX/2021 WHICH IS IN ACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that 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 block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. XXXX XXXX Balance : {$400.00} ; XXXX XX/XX/XXXX XXXX XXXX : {$500.00} ; XXXX XXXX {$10000.00} ; XX/XX/XXXX( Original Creditor : XXXXXX/XX/XXXX ) XXXX Balance : {$2200.00} ; XX/XX/XXXXXXXX ( Original Creditor : XXXX XX/XX/XXXX XXXX XX/XX/XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX ( Original Creditor : XXXXXX/XX/XXXX ) XXXX Balance : {$4000.00} ; XXXX XXXX ( Original Creditor : XXXX XX/XX/XXXX) XXXX XXXX : {$750.00} ; XX/XX/XXXXXXXX Balance : {$460.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Debt collection

I have disputed this collection account as identity theft, i did not open the account or have knowledge of any services done. I have faxed, called, emailed the ceo, and certified mailed copies of my identity theft report with no response.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : We have been paying the mortgage as agreed since the start of the loan and paying the loan a year or month 's in advance. The mortgage company was supposed to start the automatic deduction of the mortgage amount for the month of XX/XX/year> but didn't. I noticed this didn't happen and I made the payment on XX/XX/year> for the month of XX/XX/year>. I made the payment for the month of XX/XX/year> on XX/XX/year> but the credit bureaus are showing I have a late payment for the month of XX/XX/year>. 

I have attached all of my payments from XX/XX/year> to XX/XX/year>.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Consumer Loan

When I took out the loan with Castle Payday later to be renamed XXXX I was not made aware that the interest was 910.0041 %. I did n't get that information until after I signed. I took out a loan of {$450.00} and was not made aware that the loan was going to cost me in total {$2900.00}. I 've already paid them {$1100.00} and still have until XXXX XXXX, 2016 to pay on it. They still tell mE my payoff is {$600.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX XXXX XXXX along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have an extended warranty o. XXXX XXXX XXXX and XXXX took the warranty claim my request aND NEVER LOOKED AT IT I TALKEC TO XXXX XXXX XXXX IN WARRANTY AND THEY ADMITTED XXXX NEVER LOOKED AT REQUEST FOR WARRANTY REIMBURSEMENT AND THEY STUCK IT IN A FILE LIKE IT NVER EXisted!!!!!!!! Well it does exist I gave XXXX mile warranty on my car and they acted like this claim never existed! XXXX told me fly wheel resurfacing was covered under mbwarranty snd XXXX told me XXXX documented its not covered!!!! Guess what??????? XXXX csm document anything he wants but he told me its covered!!!!!!!!! 
XXXX warranty is a joke Im reporting to XXXX consumer protection bureau XXXX and everyone else snd applying for refund!!!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Bank Inquiry : XX/XX/XXXX These inquiries are reporting on my TransUnion an XXXX accounts
Product: Debt collection

I terminated service with XXXX XX/XX/XXXX after having various issues with the phone the provided me with. Payment for the month of XXXX was collected for {$44.00} autopay XX/XX/XXXX. On the same mouth was charged for activation at the XXXX office XXXX ( I used my debit card ) Amount of {$96.00} payment to " XXXX XXXX XXXX ''. I find it strange it didn't say " XXXX  '' XXXX Problems with the phone made me terminate business with them. They used a lot of deceiving statement. I opened an account with XXXX XX/XX/XXXX. I was given a free phone. Again no contract or paper work. I paid {$46.00} including protection plan. Plus activation fee of {$96.00}. 
XX/XX/XXXX I received a bill for {$210.00}. For equipment and termination of service. I was referred to a collection XXXX. ( Southwest Credit Systems. XXXX XXXX Tx XXXX ph. XXXX their web side is not correct and the information they probating is also incorrect.
Product: Credit card

I applied for the GM Business Rewards Card, they approved me for a {$6000.00} spending limit but they are requesting some additional documents before finalizing my approval and sending my card. 

I have sent in the additional documentation requested, which is my state ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to your letter ( attached ) stating that XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX initiated the inquiry from Chase Auto to run my credit report is incorrect. I have attached both of the credit applications signed by myself that doesnt state that I gave you permission to run my credit report. The agreement on XXXX states You authorize us to submit this application and any other application submitted in connected with the proposed transaction to the financial institutions disclosed to you by us the dealer? ( See attached credit application below with said verbiage ). Neither you nor any other financial institution are listed and signed by myself giving you permission to run my credit. 

The second application for ally financial doesnt give you or XXXX XXXX XXXX or any other financial institution permission by me to run my credit report on XX/XX/XXXX
Product: Checking or savings account

Wells Fargo Bank charged me XXXX XXXX times in a month the reason cause I made over XXXX transactions and the bank rep. said its the the law. This was not a below balance amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 I have been mailing letters to the credit reporting agencies to dispute several errors on my credit report. A total of 4 dispute letters have been sent out to XXXX, XXXX  and Equifax and I never received a response from them.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Experian ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX  XXXX on XX/XX/year> under the XXXX account. These accounts have resulted in several fraudulent charge-offs, and fraudulent collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity reactivity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I request the accounts be removed within 4 days of receipt in accordance with the law. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( Private Case Number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Money transfer, virtual currency, or money service

I recently purchased a new home. The title company that I utilized had their server compromised during the transaction. In turn, a hacker intercepted my closing disclosure and wiring instructions. They spoofed the email and sent fraudulent wiring instructions. When this occurred I wired my cash to close to a fraudulent bank account. I immediately initiated a wire recall but it was unsuccessful.
Product: Money transfer, virtual currency, or money service

I received a text asking me if I had charged {$1000.00} on my credit Chase Visa. I was called regarding this. I was asked numerous questions to check my identity. I was kept on the phone for an hour. I told the person I was talking to that this was not my purchase. The next day when I checked my accounts, my savings account was {$0.00}. I had {$51000.00} in my account. I notified the bank immediately. I told them what happened. They asked for a police report. I got that for them. They denied my claim to get back my money. They said I okayed the transfer of funds. I did not okay the transfer of the funds. These fraudsters used my voice in some way ( recording it,? ) I dont know what they did. But the voice the bank heard was NOT MY VOICE! On the basis of what they heard they are not giving me my back. I am a XXXX XXXX XXXX I am XXXX XXXX old. That money was all the money I had in the world. Please try to help me. I did not ok the transfer of the entire sum of my savings! 

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Product: Credit reporting, credit repair services, or other personal consumer reports

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