23daVinci/CFPB_Complaints huggingface dataset:
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 XX/XX/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. 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 or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX MERCEDES BENZ FINANCIAL Fraud Department XXXX XXXX XXXX XXXX XXXX, MI XXXX RE : ACCOUNT NUMBER ( s ) XXXX Dear Fraud Team : I am writing to bring to your immediate attention a fraudulent account held under my name with your organization. I am victim of identity theft, I do not have a record of this account and any charges associate. 
I urgently request that you remove the fraudulent charges ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 

Enclosed is a copy of my Identity Theft Report supporting my position and a copy of my credit report showing the fraudulent items related to your company resulting from identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may result from identity theft. Those responsibilities include ceasing to provide inaccurate information to CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

I understand that this situation may cause some inconvenience, and I appreciate your understanding and prompt attention to this matter. Please investigate this matter and send me a written explanation of your findings and actions. 

Sincerely XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Driver 's License & Utility Bill Copy of Credit Report CFPB 's Notice to Furnishers of Information [ PDF ]
Product: Credit reporting or other personal consumer reports

SANTANDER CONSUMER USA is reporting inaccurate information on my credit report the account in question was charged off in 2018 and the company never gave me a 1099c even though they took a write and got a tax break, and I have disputed this account several times over the years because this vehicle was actually paid off through an insurance claim. If this is not removed this time, I'm going to sue for statutory damages.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX  someone logged into my account and stole my funds and sent them to their bank account. I appealed and initially they said it was approved and to wait 3-4 business days. After waiting 4 days I call and they said it was denied and it went to the correct person. They have had my original and only bank info on file and can see it was changed and they still say it went to the correct person. I am a father of a XXXX XXXX XXXX girl and this is my rent money. I had to make massive adjustments to keep my family afloat because of this. Please help.
Product: Credit card or prepaid card

I have fill a unauthorized payment dispute I still havent hear back from yall by email or still havent got no refund yet here is the dispute information again 1. What is your legal name, XXXX XXXXXXXX, and email address and/or phone number linked to the account associated with the 'unauthorized ' activity? XXXX XXXX XXXX XXXX XXXX 2. What are the dates/times and amounts for the transactions that you believe are in error? XXXX XXXX XXXX {$28.00} 3. Why do you believe the transactions were unauthorized? This is the three time I have a unauthorized payment sent to the same user I never sent it to her or don't know her 4. Were you instructed to download any other apps other than Cash App to access the account in question? No 5. What is the make and model of the device ( s ) you were logged into when the transactions took place? XXXX 6. Which city & state were you located in when the unauthorized transactions took place? XXXX Pennsylvania 7. Did you forward or provide any account access information to a third party? No 8. Do you have a PIN set up to authorize payments? If so, did you share your PIN with anyone? No 9. Do you have possession of your device, if not, when did you last have possession of your device? I didn't have possession of my device when I was sleeping before I want to bed I did someone probably guessed my cash app pin who I don't know and changed my pin but I changed the pin.
Product: Student loan

I began receiving harassing phone calls nearly everyday. I tried to explain I will send a check as soon as I get paid. The amount they required was more than I could afford that week. This week I sent them a check in the full amount requested. The phone calls came every day and grew more and more aggressive. They threated to call me 3 times a day and claimed they have every right to do so legally despite the fact I told them they have been paid. They continued to repeat themselves redundantly. The caller/ collector insisted, she had confirmed with her manager and she was with in her legal right. Part of the reason my account went into collection status is due to the fact they stopped sending me a bill ( US Postal service ) and the last few bills they did send are clearly printed " XXXX due, XXXX owed '' dated XXXXXXXX XXXX. I may have misunderstood the rehab program believing that my account had been settled. XXXX XXXX 13 months later after no contact, I got a letter and began getting calls from their collections. I immediately budgeted for a payment and made the full payment requested about a week later when I had the money. Today I continue to get calls threatening to call me three times a day in addition to the interrogating questions. I believe this to be excessive abuse of their authority and illegal behavior.
Product: Debt collection

I sent a request for validation of debt to Williams & Fudge Inc. on XX/XX/2019. I still have not received proof of debt from this company. 

They made contact with me via phone on XXXX/XXXX/2019 and still did not provide any validation of debt.
Product: Money transfer, virtual currency, or money service

I deposited a check for the amount of $ XXXX into my CAPITAL BANK ACCOUNT on XX/XX/2022. Deposit slip tells me the fund is available on XX/XX/2022. ( My Capital Bank Account number ending xxxxxx, Branch Address, XXXX XXXX XXXX, XXXX, NY XXXX ) XXXXXXXX XXXX was the issuing bank for the amount $ XXXX. XXXXXXXX XXXX Cleared the check on XX/XX/2022. Copy of the check cleared by XXXX XXXX, I received AND send to Capital Bank for Verification. 

Unfortunately, Now, Capital Bank is holding the fund for until Monday, XX/XX/2022, casing me huge loss. 

Could you please assist me on this matter.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding identity theft that has significantly impacted my financial well-being. Upon reviewing my credit report, I discovered unauthorized accounts and inquiries, indicating fraudulent activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Steps Taken So Far : Filed FTC Report This incident constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), both of which are designed to protect consumers from identity theft and ensure the accuracy of their credit reports. Specifically, the FCRA mandates that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports and provide consumers with mechanisms to dispute inaccurate or fraudulent information. Additionally, FACTA requires financial institutions and creditors to establish procedures to detect, prevent, and mitigate identity theft. 

I request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate enforcement actions against the parties responsible for the violations. Specifically, I seek : - Removal of any fraudulent accounts or inquiries from my credit report- Assurance that my credit information will be safeguarded moving forward Enclosed are copies of relevant documents. 

I urge the Consumer Financial Protection Bureau to act swiftly to address this issue and hold accountable those who have violated my rights under the FCRA and FACTA. 

Thank you for your attention to this matter. 

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

I submitted request to all Equifax, XXXX, and XXXX regarding removing inaccurate items from my credit report. To date I have not received any response, and they are still reporting inaccurate information on my credit report, as they have not provided any information of them removing the inaccurate items from my credit report. 

Variations of inaccurate name on my report Old inaccurate addresses on my report Old inaccurate employers on my report
Product: Checking or savings account

USAA Says someone opened an account using my information. They accepted the fraud claim, and all liabilities have been lifted. However I since no fault of my own, am unable to open an account there.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute inaccurate and incomplete reporting of certain accounts on my credit report, specifically regarding accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts contain data discrepancies, which violate the Fair Credit Reporting Act ( FCRA ) and the requirements for Metro 2 compliance.

Account ( s ) in Dispute : XXXX XXXX  XXXX Account ( XXXX ) ** Issues : Missing, inconsistent, or inaccurate data points. 
Incorrect Activity Date, Last Payment Date, and Past Due Amount across bureaus. 
Missing Data such as Reporters Identification Number and Street Address.

Creditor type inconsistencies across reporting agencies.

Resolution Requested : Removal of the disputed information or correction as per FCRA and Metro 2 standards. 
XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX ) ** Issues : Similar discrepancies as listed above, including incorrect reporting of the Date of Last Payment, Data Reporters Information, and Activity Date. 
Inconsistent account remarks ( closed due to inactivity vs. canceled by grantor ). 
Resolution Requested : Immediate removal or correction of the reported data. 

These inaccuracies are causing harm to my credit standing, leading to unfair rejections of credit applications and higher interest rates. I demand that TransUnion investigates these accounts and provides clear documentation verifying the accuracy of the data reported. 

Additionally, under FCRA 611 ( a ) ( 7 ), I request a description of the procedures used by TransUnion to provide information to the creditors involved in these disputes. Specifically : 1. What relevant data was forwarded to the creditor to support the claims.

2. What steps were taken to verify the accuracy of the reported late payments.

3. The exact method and type of proof used to validate these claims.

If no action is taken within 15 days to resolve these discrepancies, I will consider further legal action. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 30 days ago to the credit bureau and they are disregarding my dispute. I am very stressed and have been sending letters before this and still no response.
Product: Mortgage

Wednesday, XX/XX/2022 Re : loan # XXXX Property address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX : Your research did not yield correct data. You will find in my response to your latest fabrication of the truth that your data shows you and PHL, LLC are misrepresenting the truth once again. 
You and Planet Home Lending , LLC continue to lie and misrepresent and consequently are willingly destroying the credit of the three mortgagees that are on the aforementioned loan held by Planet Home Lending , LLC. 
Correct your data ; send a letter of acknowledgement to me, XXXX and XXXX XXXX ; send a letter to CFPB acknowledging your lying, false reporting and knowingly harming your clients. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this.

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Payment Info transaction on XXXX as of follows : Amount : {$350.00} Recipient 's info ( scammer ) : XXXX XXXX XXXX XXXX On XX/XX/2023, I immediately called US bank representative to file for a claim for a funds transfer that posted to my account ending in XXXX. This is regarding about me being scammed by someone paying through XXXX. And on XX/XX/2023, they already made a decision that my claim was denied without waiting for me to send enough proofs. 

I already got scammed {$350.00} and I believe that this is already considered under the category as sending money to an individual or business to purchase goods that are not received or arrived not as described, or for services that are not provided. This can include fees which are not refunded when a consumer requests a refund for the item or service. I will provide you enough proofs and evidence that I really got scammed. 

I recently filed a claim regarding me being scammed upon purchasing ticket from someone who seems a legit seller on social media. She claimed and gave me enough proofs that her tickets are legit. I stalked to her XXXX account and it seems like she is the type of person who don't fool people. 

I sent her {$350.00} through XXXX as she promised that once I sent her the money, she will give me the tickets. But it has been an hour of waiting she hasn't send me the ticket yet and even asked me to add {$100.00} for her to send it. But at that moment I already suspected that something is wrong so I was already asking for the money back but she already blocked me. 

Please help me. My claim shouldn't be denied like this. XXXX XXXX  even said that I should report this to my bank institution which is US Bank that's why I am still reaching out to you.
Product: Credit reporting or other personal consumer reports

I would like to notify the credit bureaus once more that I was the victim of identity theft. Additionally, I would like these bogus things stemming from the claimed identity theft to be removed off my credit file. Credit Bureaus are obligated to remove any things specified in Identity Theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Here is the list of things I wanted to remove once more! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX Balance : {$15000.00XXXX XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy XXXX Date XXXXXXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to file a formal complaint against Experian. This is the fifth time since 2023 that I have requested accuracy on my consumer report. However, Experian states that the information is verified accurately. Failing to address these discrepancies, especially where, open dates precede last activity dates or closed dates occur before open dates, last activity dates moving constantly, inaccurate remarks between bureaus, and unverifiable document from creditormay constitute a violation of these FCRA provisions. I am a single widow of XXXX children after the passing of my spouse of 13 years, to XXXX. These inaccuracies have caused a severe hindrance to my life as it has affected my creditworthiness to rebuild my life again. 

FCRA Violations & Requirements 1. 15 U.S.C. 1681e ( b ) You must employ reasonable procedures to ensure the maximum possible accuracy of the information you report.

2. 15 U.S.C. 1681i ( a ) You must investigate disputed items within 30 days and correct or delete any data found to be inaccurate, incomplete, or unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a third Follow-Up Letter ( XX/XX/XXXX ), and a Fourth Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ). In total, I have sent four letters asking for a correction to my credit report. 
To date, I have had to dispute incorrect medical collections along with inquiries that are not mine four times. On different occasions, I have received responses from all three credit bureaus with resolutions being removed/deleted from my credit report. 

The inquiries XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

I recently received an incredibly threatening letter from XXXX XXXX XXXX on behalf of Ace-Inc threatening to sue me, go into my bank accounts, etc. I believe that they called me recently, and Ace Cash Express has called me a number of times over the past couple of years. I took out a payday loan with them about 7 or more years ago and the amount they claim was not what I took out. The email they sent says that I took out {$300.00} but payday loans are usually {$250.00}. What's troubling is that they have my SS, birthdate, addresses, phone number, etc. I'm pretty certain that I included this loan in my bankruptcy around the same time. The recent document is threatening to sue me, and worse. I XXXX XXXX and it says it's a scam. Many people posted that they received the exact same template letter with the same threats. I am very concerned because they have my SS, etc. and license number. I believe that years ago ACE CASH EXPRESS had a data breach and now someone has my info. They threaten to freeze my bank account, contact the IRS, etc. The thing is that none of this is on my credit report so I believe it's a total scam!!! This also is past the statute of limitations in CA which is 4 years. The document says they are suing me for {$11000.00} for one payday loan. I have not responded and most certainly won't. How do I protect myself now that they have my identity? They are claiming that they will file a judgment against me! This is nonsense! I looked up XXXX XXXX XXXX XXXX XXXX and it looks like a credit repair company which helps consumers, not a debt collector! Something is very fishy!
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. 

XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, have 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. 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

Dear CFPB, I have sent in countless letters to Experian, TransUnion, and XXXX, neither Consumer reporting agency has removed the XXXX XXXX account in dispute from my Consumer report. I sent in a cease and desist letter to XXXX XXXX on XX/XX/2021 which demands the Bank to cease furnishing my information to the consumer reporting agencies. I have attached all related evidence below to show proof of my claim. XXXX, TransUnion, and XXXX please delete the account before I seek litigation.