23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : I am filing this CFPB complaint to request that Experian, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), block information on my credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - These accounts have led to several unauthorized hard inquiries and fraudulent collections on my FICO credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud.

Enclosed is a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the U.S. Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Urgent Complaint : Unauthorized Cashing of My XXXXBank of America Check Dear CFPB , I am reaching out to formally report a serious issue regarding my XXXX/Bank of America check , which was fraudulently cashed without my authorization. Upon contacting customer service to check my account balance, I was informed by a Bank of America prepaid representative that my check ( No. XXXX ) was issued on XX/XX/year>. However, it was unlawfully cashed by an unknown party on XX/XX/year>. As a result, my account balance was reduced to XXXX, despite previously holding {$24000.00} before this unauthorized transaction occurred. 

I did not authorize or initiate this transaction, and I am deeply concerned about the security of my account. I request an immediate investigation into this matter and urge necessary measures to prevent any further unauthorized activity. 

I appreciate your prompt attention to this issue and look forward to your swift resolution. 

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

XXXX XXXX XXXX {$4100.00} Date OpenedXXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX|Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX|Date of Inquiry : XX/XX/XXXX XXXX 
Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are saying I was past due 30 days with syncb/XXXX. I was never late with them I've complained to Syncb and they stated I was never late both verbally and by letter. I dispute over and over. Syncb responds everything reporting is correct never late. XXXX responds everything reporting is correct 30 days late. I've called Syncb and they stated they would send statement as such to XXXX but they still will not remove. I've tried everything but you or an attorney
Product: Payday loan, title loan, personal loan, or advance loan

Hello, First of all my apologies if this isn't directed to the correct department. That said, I would like to bring to your attention a marketing tactic being used by 1st Franklin Financial. 

The company is sending people " Real Checks '' as disguised Personal Loans. If deposited, that will constitutes the acceptance of a personal loan ( or result in a bounced check fee from my bank ). 

This practice of sending of checks ( discussed as a personal loan ) is highly predatory. Given this marketting practice makes it too easy to unwittingly accept a personal loans. Frankly, I'm surprised it doesnt already fall under existing CFPB regulations. Regardless, I hope this type of marketing can be stopped. 

I have not redacted my personal information ( though would ask it be if shared outside the organization. ) I've attached copies of the XXXX pages included in the communications from 1st Franklin Financial. 

Please feel free to reach out if I can be of more assistance. 

Thanks, XXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX To whom it may concern ; I opened an additional checking account at BB & T ; XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX on XXXX XXXX 2017 ; Senior Checking-MM XXXX and because of a typo in the social security number caused by the Bank the account has been closed. Before and after the account was closed BB & T accepted three deposits totaling {$2000.00}. <P/>I received a letter stating ; Our records indicate you recently opened an account ( s ) with BB & T. Upon further verification and review or the information you provided, BB & T has determined it is necessary to close the above referenced account ( s ). <P/>My attempt to retrieve my money has continued for over a month. I was told that if I went into the branch ; which I did two weeks ago, and provided a social security card and drivers license, I would get my funds. I showed up at the branch, and was again denied access to my money. My drivers license and social security card were copied. And someone said there would be a {$25.00} fee to close my closed account. <P/>Therefor ; I am making a claim for my funds in the amount of {$2000.00}. <P/>Thank you for your time with respect to this situation. <P/><P/><P/><P/><P/><P/>Sincerely XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint personally regarding late payments on my credit report. Upon examination of my records, I discovered these late payment entries. Despite sending correspondence about this issue more than 30 days ago, I have not received any response, nor has adequate validation been provided. I request your help in addressing this matter swiftly and efficiently.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States Have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer Agency can not furnish a account without my written instructions.
Product: Checking or savings account

Dear XXXX XXXX XXXX WELLS FARGO, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from WELLAS FARGO. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon seven ( 7 ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing Trust instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps allowing XXXX XXXX to report a cable account with a address and account that I have never lived or had they have allowed them to remove and repeatedly put back on my credit report which drops my score immediately
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have XXXX XXXX XXXX accounts on my credit report all of which are more than XXXX years old. I have tried numerous times to dispute them off my account to XXXX XXXX. Please help me to get these all dropped off as they are hurting my credit score year after year. I can not purchase my home I want to purchase because of this. Thanks for your time and consideration into this matter.
Product: Checking or savings account

Ref : Wells Fargo & Company and Wells Fargo Bank libilitIy settlement for fraudgelent Accidental Death policies to custermers. 

I received a letter from Wells Fargo customer Care in XX/XX/XXXX stating that I was enrolled in an Accidental Death Policy product in XXXX through XXXX. An ambiguous question was asked about the enrollment and a XXXX number was given to call if there was questions. I called, and after the 3rd call I was told I would be receiving ompensation for the monthly funds taken from my checking account. 

In XXXX I recieved a check. However, the check was issued to myself and my x-husband. I contacted the custermer service several times and asked for a replacement check. I tried to explain that the checking account the funds were extracted from was in my name only, also I was devorced in XXXX. They insisted that the signature of my X was required and they would not replace the check. I went to a local branch and the custermer service agent and manager denied any knowledge of the WF scandal. After confronting them for severaly minutes, they stated they would email my concerns to the WFCSC stating my concerns and with verification that I was only listed on my checking account and to please re-issue the check. They did not cc my emIL. I called the WFCSC again and the agent hung up in my face. 

The funds for this so called accidental adeath policy were extracted from my personal checkibg account. I have no knowledge of the policy or even know if it ever existed. I have been a customer of WF for over 20 years. I want my money. 

Attached : 3
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I specifically asked the sales person XXXX XXXX to only run my credit for XXXX XXXX through XXXXXXXX XXXX by email. The sales person XXXX didn't communicate that request to the finance manager XXXX XXXX so my credit was run through 7 other banks for an auto loan. When i received an alert that i had a lot of inquiries, i immediately went online to dispute those unauthorized inquiries with Equifax. Equifax refused to remove the 7 unauthorized inquiries. I reached out to the finance manager XXXX to inform him of this issue. The finance manager sent me a letter explaining the miscommunication errors to give to Equifax as proof to remove the 7 unauthorized inquiries on my report. I've sent this letter twice by certified mail, Equifax is still refusing to remove the 7 unauthorized inquiries and lying about being factual and verified when i provided proof from the finance manager and the email request that specifically says to only run my credit through XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is breaking Federal Laws by furnishing late payments on my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a check payment to Comenity Bank in the amount of {$120.00} for my Loft All Rewards card. In XXXX of XXXX I received a bill stating I only paid them {$5.00}. I was told I needed to start a dispute which was opened in XXXX. Between XXXX of XXXX and XXXX of XXXX. I sent them a letter from my Credit Union showing the check had been converted to an ACH payment and the check had cleared my account on XXXX XXXX for {$120.00}, a copy of the ACH file and finally of the copy of the check that the credit union had to put in a request for. I called Comenity several time spending at least an hour on every call getting transferred to people that were unable to help me, even one night getting disconnected four times. I was told there was no way to be transferred to the dispute department as they don't have a direct line. On XXXX XXXX I received a letter saying that my dispute was closed and that the legal line on my check read {$5.00} which does not match with the check that was cleared by Comenity bank on XX/XX/XXXX, XXXX.They have been charging me late fees every month and reported me for not paying the fees that I feel I do not owe and have now charged off the card for over {$350.00}.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must REMOVE the following accounts from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c 1681 SECTION 602 a. States i have a 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), the following ( 4 ) Creditors have violated the rights afforded to me by the FCRA.

NOTE : The " Account details '' for the 4-Creditors listed below are noted in the following " Fiar Resolution '' section of the complaint.

The following Creditors have violated the rights afforded to me by the FCRA : XXXX. XXXX XXXX XXXX  - Account Number : XXXX. 
XXXX. XXXX XXXX - Account Number : XXXX. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) - Account Number : XXXX. 
XXXX. XXXX XXXX XXXX ( Original creditor : XXXX ) - Account Number : XXXX. 

***The ( US Consumer Laws ) in accordance with the Fair Credit Reporting Act ( FCRA ) : 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 ). States that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B. States that acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Bank account or service

I applied for a Citigold Checking Account on XXXX XXXX, XXXX with a promotional offer to receive XXXX upon completion of the requirements ( {$1000.00} debit card spend, 2 monthly bill pays in sequential months ). I completed the requirements in XXXX, but never received my points, despite the the disclosure stating that I would receive the points within 90 days of fulfilling the requirements ( approximately XXXX ). I spoke to a Citi representative via the online chat on XXXX XXXX, XXXX who opened an investigation. However, this investigation still has not been completed as of XXXX XXXX, XXXX, and I 've had to pay an additional XXXX monthly fee. Messages from Citibank have confirmed that I have met the requirements but claim that I am not elegible, despite the offer being active on my account.
Product: Checking or savings account

XX/XX/scrub>XXXX  requested daily ATM amount be increased. Advised it would take 2-3 days. They have no way of doing this same day. 
So submitted wire transfer at XXXXXXXX XXXX for same day. It sat in review status a did not get processed. 

They are holding my funds and will not explain why. The funds are for an auto purchase. Funds are available in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX XXXX reported to XXXX, Experian, and XXXX that I was 90 days late in my payments in XX/XX/XXXX and 120 days late in XX/XX/XXXX. As evidenced by attached documentation, I was utilizing a general forbearance and my payments were XXXX dollars for the period of XX/XX/XXXX - XX/XX/XXXX. Since there was no payment due for this time period, XXXX XXXX falsely reported late payments.
Product: Credit reporting or other personal consumer reports

I was looking through my credit file and notice some discrepancies. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following account is listed as a collection account. i have never had any interaction or agreement with this company : Account name : # Experian XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$3900.00} has violated my rights. 

The following its listed as hard inquiries on my credit file : XX/XX/year> XXXX XXXX XXXX This items on my Experian credit report are incomplete and not accurate and according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Consumer Loan

GM Financial is reporting an old debt on my credit file from 2006. The loan was never with them my loan was with Americredit that i paid the loan off with. The debt is over 10years old and paid in full - i tried to apply for financing for another car loan recently and was denied due to this old car loan being reported
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$220.00} XXXX/XXXX XXXX {$3700.00} XXXX XXXX XXXX {$32000.00} XXXX XXXX {$2300.00} XXXX   XXXX {$1200.00} XXXX XXXX XXXX XXXX {$910.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been well over 45 days since my letter was sent on XXXX, I recently disputed fraudulent identity theft accounts on my report and equifax, XXXX and XXXX  failed to respond to my dispute or remove any of the fraudulent accounts Ive reported. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that post on a credit report. In my letter I asked to see a contract with my signature as proof and 45 days later they have not sent any proof. equifax, XXXX and XXXX  are violating my rights also, under 15 U.S Code 1681b. they failed TO RESPOND that is in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY.

According to 15 U.S. Code 1681n - Civil liability for willful noncompliance
Product: Credit reporting or other personal consumer reports

*COMPLAINT FOR NO RESPONSE IN XXXX REQUIRED UNDER FCRA LAW Subject : Complaint against Experian for Violation of FCRA Dear Sir/Madam, I am writing to file a formal complaint against Experian regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and their failure to respond to my request for validation of incorrect information on my credit report within the mandated time frame. 

On XXXX XXXX, XXXX, I sent a letter to Experian via certified mail, requesting them to validate the inaccuracies being reported on my credit. According to the FCRA, the credit reporting agency is required to respond to my request within 30 days. However, I have not received any response from Experian, despite the certified mail receipts clearly indicating that they received my letter. 

This failure to respond within the specified timeframe constitutes a violation of the FCRA by Experian. As a consumer, I have the right to receive timely and accurate information from credit reporting agencies, as outlined in Sections 611 ( a ) and 611 ( a ) ( 1 ) ( A ) of the FCRA. 

I am now requesting the assistance of the Consumer Financial Protection Bureau in investigating this matter and taking appropriate action against Experian. The failure to respond undermines my rights as a consumer and hinders my ability to rectify the inaccuracies on my credit report. 

I kindly request that the Consumer Financial Protection Bureau intervene to ensure that Experian complies with the FCRA and promptly provides me with the requested validation of inaccurate information. Furthermore, I ask that Experian be instructed to remove the incorrect account from my credit report, as mandated by the FCRA due to their failure to respond within the required timeframe. 

Enclosed with this letter, you will find copies of the certified mail receipts as proof of Experian 's receipt of my request for validation. If any additional documentation or information is necessary to proceed with the investigation, please let me know, and I will provide it promptly. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently address this violation by Experian and ensure that my rights as a consumer are upheld. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I called to get my account to stop blocking logins for XXXX and was told it would be noted and I 've waited and my account continues to be blocked
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied to these companies. They are just putting hard inquiries on my credit score. I have tried to contact them but there has been no solution so I'm coming to you guys for your help here are the companies.