23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I own a Home Depot Credit Card which was last used by me in XXXX. In XXXX, XXXX Home Depot sent me an email of suspicious activity on my credit card, cancelled my card and sent me a new one. I called to come to know that someone claimed to be my daughter and bought items worth $ XXXX in XXXX NY. I live in NJ, never ever have been to XXXX NY, and moreover we do not have a daughter. They filed my complant and promised that it will be investigated. 

Meanwhile, some time later we found that that fraudulent trasaction was transferred to my new card they have issued, and were sending me bills every month to pay. They have also reported the matter to credit bureau and that has been affecting my credit history massively. I called again and they claimed they were unable to resolve and that I should file a police report. I did so and sent them in writing to resolve the case ASAP. I have also sent them the police report number along with the letter. Off late I do see that I was getting billed every month, my credit score going down and there was no action taken. 

Every time I contact Home Depot ( CitiGroup ) fraud department, they notify me that they were unable to resolve the case, as my phone number and driver 's license was used to increase credit limit which was rquired to be investigated further. Each time they will open the case again and will ask me to wait 30-90 days for any outcome. We have reported the matter to XXXX, after which CitiGroup notifed me that they have done the highest level of investigation and did not find the transaction to be fraudulent and that I will be responsible for it. 

This is a clear case of serious identity theft as my phone number and driver 's license have been compromised. I live in NJ, the $ XXXX transaction was made in XXXX NY ( I have never been there ), by my non-existent daughter. The last time I used this Home Depot Credit Card was in XXXX from the Home Depot store which is within a mile of my current residence. I need CFPB 's help, as I believe the investigation done by CitiGroup all this time was inadequate, and this has affected by credit score adversely, which is not allowing me to pursue favorable mortgage refinancing. Thus I am financially is a lot of problem for no fault of mine. 

I will attach the police report, FBI complaint report, Home Depot Credit Card fraudulent bill and the last letter from Citi Group declaring me to be responsible for the fraudulent transaction. 

Please do the needful to help me get out of this issue at the earliest possible convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, XXXX, XXXX Thank you for sending me your internal records of the debt ( Heights Finance ) ACCOUNT # XXXX. I was Provided FACTUAL EVIDENCE by Heights Finance Manager, a contract with my alleged " signature ''. On the contract it has in RED STAMP that says " PAID '' with completion date XX/XX/XXXX. HOWEVER on the contract it states the FINAL PAYMENT was due on XX/XX/XXXX. How could this be a CHARGE OFF account if the payment was due only 20 days after the due date? which is PAID IN FULL. I also have circled the date on the contract that says this account was opened on XX/XX/XXXX HOWEVER all three reporting agencies have different dates that says this account was opened in XXXX and XXXX? With so many inconsistencies regarding the account in the ( DATE OF LAST ACTIVITY ), ( DATE OPENED ) ( CLOSED DATE ) ( DATE REPORTED ), ( DATE OPENED ), ( ACCOUNT STATUS ) ( LAST PAYMENT ) & ( CREDITOR REMARKS ) section. This can not be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? PLEASE REMOVE THIS ACCOUNT IMMEDIATELY. i have attached my UTILITY BILL for address verification and SS # AND DRIVERS LICENSE best regard XXXX XXXX
Product: Checking or savings account

There are missing direct deposits all over the country when ask for an update and estimated time they provided no answer and just apologize for inconvenience. It isnt just inconvenient it results in bills bouncing and fees being assessed when we can barely pay bills as it is. It also impacted being able to buy groceries for my children and pay the mechanic who has my car to pick it back up. We have funds with no access to them. Fixing the issue is a start but what about fees we accrue that we are responsible to pay when it wasnt our oversight that caused it. What about responsibility for the HARM not just inconvenience this caused. At least have some transparency to your customer it is our missing money, not your billions in profit off of us impacted.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information reported on my credit file related to an alleged account with XXXX XXXX, Account Number XXXX. Upon reviewing my credit report, I discovered that the account was marked as " charged off '' by the creditor. However, I contend that the creditor, XXXX XXXX, did not provide me with the required 1099-C form following this charge-off, as is required by the Internal Revenue Service. 
I am writing to formally demand the immediate deletion of the XXXX XXXX  account ( Account Number XXXX ) from my credit report due to Experians failure to conduct a reasonable and thorough investigation of this matter, as required by the Fair Credit Reporting Act ( FCRA ). Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), Experian is obligated to ensure that all information on a credit report is accurate and up-to-date. Given that XXXX XXXX failed to comply with federal tax reporting requirements, it is clear that the account in question is inaccurately reported and should not be on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX  ( loan number XXXX ), they reported me as delinquent when it is not. The account was marked as 30 day late for XXXX, XXXX and XXXX. In fact, I paid all, never late.
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, Transunion, and XXXX to delete these accounts because the information was incorrect and I was a victim of identity theft : 1. XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

Westlake financial is illegal attempting to collect a debt that was discharged in bankruptcy for US Auto Sales. They have been illegally collecting monies from me, acting as they now own the account from US Auto Sales that filed for bankruptcy in 2023. 

According to bankruptcy laws, it is illegal to sell or transfer the debt of a bankrupt company to another entity for the purposes of debt collection. In 2023, US Auto Sales filed for bankruptcy, and any outstanding debts associated with them were discharged as per the bankruptcy proceedings. According to the United States Bankruptcy Code ( 11 U.S.C. 524 ), once a debt is discharged in bankruptcy, creditors are prohibited from attempting to collect the debt. Despite this legal protection, Westlake Financial has continued to pursue collection efforts, including making threats to repossess my vehicle.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from engaging in abusive, deceptive, and unfair practices. Westlake Financial 's actions not only violate the Bankruptcy Code but also the FDCPA ( 15 U.S.C. 1692-1692p ). 

Furthermore, under Georgia state law, it is mandatory to perfect any lien by filing a UCC-1 financing statement with the Georgia Superior Court Clerks . A certified search with the Georgia Superior Court Clerks revealed no such filing by Westlake Financial, indicating that any lien they claim to have is not legally perfected and thus unenforceable. ( See attached of certified search with Georgia Superior Court of Clerks ) Mandatory UCC Filings list from the state of georgia by county ( See Attached ) Also, Westlake Financial Services LLC, is not registered to perform business in the state of Georgia, as confirmed by the Georgia Secretary of State. ( See Attached )
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and XXXX XXXX XXXX XXXX XXXX XXXXXXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Debt collection

PARAMT REC is claiming that I owe them {$1000.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX motors in XXXX Louisiana Fraudulently to multiple lenders ruining my low inquiries and credit scores. Please IMMEDIATELY the following same day Fraudulent Unauthorized private Inquiries pursuant to FCRA 6802-6803 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

This account was established for my government unemployment deposits. I had security set to advise me, via text message, of all transactions. On XXXX I called to check my balance and heard transactions that were not mine. I thought it had to be an error, I called Reliacard and was transferred to fraud dept. I informed them that I did not authorize any ACH transfers nor have I ever done any ach transfers on my account. I have written and called Reliacard on several ocassions to no avail for over a year waiting for requested proof of documents for the change of data. I filed a police report and provided them the information, to no avail. They've responded no error found and send me transaction information instead of history and proof that I made the call or change of record! During a conversation with the fraud dept, their notes indicated the phone number change was by a male. I told them it was impossible, how could they make a change and not follow up and confirm with written notification. How could they accept change information from a male! I never received notification that such a request was made. They only replaced the bank card and account number. Never provided any proof I made the change and ach transfers.Reload money and issue a new card mail to XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XX/XX/1987 ssn XXXX
Product: Checking or savings account

On  XXXX   XXXX ,  2017 , I opened online a Wells Fargo Every Day checking account which was offering a {$250.00} bonus for making either a minimum  of 10 de bit card purchases or at least {$500.00} in qualified direct deposits within 60 days of account opening. I was instantly approved and received an e-mail directly from Wells Fargo confirming my new account was eligible for the bonus. I completed t he 10 deb it card purchases on  XXXX   XXXX ,  2017 . Since the bonus should have been deposited into the new checking account by  XXXX   XXXX ,  2017 , 45 days after the requirements were completed ; I went to Wells Fargo  XXXX   XXXX  branch located at  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  on  XXXX   XXXX ,  2017 . The bank officer opened an investigation but I have received no response from Wells Fargo so far. More th an one mon th after the 45 days waiting period, the {$250.00} bonus has not been deposited yet.
Product: Mortgage

I had both a mortgage and a HELOC with Truist bank. I sold my house. The closing attorney had advised me to call the bank and obtain a final payment amount and let them know that I was closing the account. The night before the closing, the computer system went into my checking account to try to retrieve my monthly payment. It encountered insufficient funds and attempted to retrieve this payment four times. The bank then went ahead and charged me for {$30.00} fees for each time to the computer system failed. I dont think this is correct or fair. If the computer system had automatically tried 1000 times, would the bank charge me {$30000.00} in fees. I have called the bank four times to try to get a resolution on this issue. I believe that the bank was aware that I was closing my account and should not have gone in there to retrieve the payment. Even if they wanted to charge me a fee It shouldve been {$30.00} not {$120.00}. Right after I received a notice for these fees, I called the bank and they said that they were putting in a request. I called back, and there was no record of the request on the second agent told me that he would put in another request to see if I could get these fees reversed. I called back again on XX/XX/ and XXXX said that there was no record of any requests in the computer. She said that she was opening a ticket and she also spoke to her supervisor and would call me back within two days to let me know of the results. I did not hear back from her so I called back again on XXXX XXXX and spoke to XXXX. XXXX said that the request was rejected and the bank couldnt give me my money back because my HELOC account had already been closed. I let her know that they already had a checking account with Truist that was open and they couldve used that to deposit the money into, but she said it is not possible. I think what the bank is doing is very dishonest and unfair to customers. There is essentially charging multiple fees, and stealing the money. They knew that I was paying my loan off so I shouldve been charged XXXX dollars in fees not {$120.00}. If they wanted to charge me for insufficient funds they shouldve charged me a maximum of {$30.00} because thats what was in my agreement. I believe that the government needs to be aware of these shady banking practices by Truist. {$90.00} or {$120.00} may not be much to their CEO, but its a lot of money to a lot of people in this country.
Product: Debt collection

On XX/XX/XXXX of this year a letter was mailed reguarding a XXXX account from MIDLAND CREDIt. The original creditor is XXXX BANK. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report on the date of that is reporting numerous innacurate negative accounts. This has not only damaged my right to extend credit but it has made me loose hope and trust within the banking system. I have been denied for credit cards and home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that your company ASSUMED this VITAL role pursuant too 15 USC 1681 ( a ) ( 3 ). Also, your company failed to be fair and respect my right to privacy according too 15 USC 1681 ( a ) ( 4 ). My information was obtained without my consent thats AGGRAVATED IDENTITY THEFT under 18 usc 1028A, and Because 15 usc 1681b Clearly states you must have written Consent from the Consumer Me. And its XXXX consent forms I must sign to consent to share my information with credit bureaus which I can attest that I did not, also can I be provided with a sworn Affidavit with my set signature that I agreed to share my information with Transunion I am requesting valid proof and documentation that these negative items where investigated fairly and properly using the XXXX Compliance. Also please provide me with the system and details your company uses to determine if transactions took place or not. Your company is in violation of several federal laws including the responsibility you have to protect my privacy.
Product: Debt collection

I am filing this formal complaint against Discover Bank for its continued negative reporting on my credit file despite my formal cease and desist request. I previously sent a cease and desist letter to Discover Bank, demanding that they stop reporting a specific account to the credit bureaus. Despite my request, Discover Bank continues to furnish negative information, which is causing undue harm to my credit profile. 

Discover Banks actions violate multiple consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that furnishers of credit information ensure the accuracy, fairness, and integrity of reported data. Under 15 U.S.C. 1681s-2 ( a ), creditors are prohibited from reporting information if it is disputed or if continued reporting would result in unfair harm to the consumer. Additionally, under 15 U.S.C. 1681n and 1681o, willful or negligent noncompliance with the FCRA exposes Discover Bank to civil liability, including statutory damages, attorneys fees, and punitive damages.

Furthermore, this continued reporting constitutes an unfair or deceptive practice under the Federal Trade Commission Act ( 15 U.S.C. 45 ) and the Consumer Financial Protection Act ( 12 U.S.C. 5531 ), which prohibit abusive financial practices. By disregarding my formal request and continuing to damage my credit standing, Discover Bank is engaging in conduct that is both predatory and unlawful.

I demand that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to investigate Discover Banks ongoing violations and enforce the removal of this account from my credit reports with XXXX, XXXX, and XXXX. Discover Bank has failed to act in good faith, and its refusal to comply with my request demonstrates a blatant disregard for consumer protection laws. I request that the CFPB ensure Discover Bank ceases all negative reporting on this account and provides written confirmation of the same. 

Failure to act on this matter will result in my pursuit of further legal remedies, including a complaint to the Federal Trade Commission ( FTC ), my states Attorney Generals office, and potential litigation for damages caused by this unjust reporting. I appreciate your prompt attention to this matter and look forward to your immediate action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not knowingly authorize the following to do a hard inquiry : GUARANTEED RATE XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2019 Permissible Purpose : CREDIT I asked Guaranteed Rate for a letter of deletion and they refuse. I asked XXXX  to dispute it and they said they don't do anything for hard inquiries that my only solution is to get a letter of deletion from Guaranteed Rate.
Product: Debt collection

Credit Protection Associates has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Violation of the Fair Credit Reporting Act by Equifax Dear CFPB Team, I am writing to formally report a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax regarding my ongoing disputes about inaccurate information on my credit report, specifically concerning an account listed as XXXX XXXX XXXX XXXX 

Since XX/XX/year>, I have been mailing dispute letters to Equifax regarding this inaccurate account. As of XX/XX/year>, it has been over five months without resolution, despite the FCRA stipulating that credit bureaus must conduct an investigation within 30 days. Equifax has continued to stall my requests by sending me delay letters, which is unacceptable. 

Furthermore, I would like to draw attention to Section 2 of the FCRA, which states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Both the financial institution involved and Equifax do not have my consent to furnish this information, nor do they possess any written consent from me. This lack of authorization raises serious concerns about the legality of the information being reported. 

I urge the CFPB to investigate this matter and hold Equifax accountable for their actions. I appreciate your attention to this serious issue and look forward to your prompt response. 

Thank you for your assistance. 

Sincerely
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes with Experian by mail and online. I have multiple inquiries that I did not make and have asked for them to be removed and Experian has not completed this request. They have sent me the same explanation each time further allowing me to believe my request has not been fully researched on their behalf. I also have a collection agency by the name of  XXXX   XXXX   XXXX  reporting on my report and they should not be. I have not taken courses at  XXXX   XXXX . Experian has told me this information is correct but it is not. The company has not provided an validity to me nor can have provided anything to Experian. This was removed from my   XXXX   report and my   XXXX   because the debt is not able to be validated.
Product: Credit card or prepaid card

I bought a computer and a phone and after speaking with several managers and customer service from the Bank and XXXX support they still have not put my laptop on an installment plan. I have asked them several times and THEY DO NOT HELP! at all. They ignore my request, instead, they promised me that the computer will be enrolled into a plan and the following month the bill ends up higher. This is the worse customer service bank I have ever seen. Also, they do not fix anything instead it is getting worse. For example, last month I paid {$140.00} and this month my bill is {$200.00}. THE WORSE...