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

I applied for an extension of credit in which i was denied and received an adverse action letter using obscene and proface language from Home Depot Credit Services stating that i was denied. Pursuant to 12 CFR 1002 regulation b, it protects applicants from discrimination in any aspect of a credit transaction. Home Depot Credit Services has discriminated against me and discouraged me to extend credit. Also pursuant to 15 USC 1681a ( k ) ( 1 ), it was never mentioned a denial for credit. Home Depot has violated my federally protected consumer rights and has caused emotional and mental stress after reading the adverse action form sent to my home, showing they are willingly and knowingly taking action in false and misleading practices. Such violations hold Home Depot criminally and civilly liabel. Attached to this complaint is the letter from Home Depot labeled as exhibit A and B. There is no third party involved in this complaint, i XXXX XXXX give authorization for the CFPB and Home Depot Credit Services to move forward with this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for their failure to initiate a proper dispute process in response to my request to correct inaccurate information on my credit report. Despite repeated attempts to rectify this issue directly with Experian, I have encountered delays and evasive responses, resulting in ongoing inaccuracies on my credit report. On XX/XX/XXXX, I submitted a dispute to Experian regarding XXXXXXXX XXXX  Account number XXXX and XXXX XXXX XXXXXXXX Account number XXXX Experian claims to have initiated a dispute process in XX/XX/XXXX, yet the status of the account has not been updated since XX/XX/XXXX. This lack of update indicates that Experian has failed to effectively investigate and address the inaccuracies on my credit report. XXXX failure to properly initiate and follow through with the dispute process not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also undermines the accuracy and integrity of the credit reporting system. Specifically, Experians actions contravene the following provisions of the FCRA : Section 611 ( a ) ( 1 ) ( A ) : This section requires consumer reporting agencies to conduct a reasonable investigation of disputed information upon receiving a consumer dispute. XXXX failure to update the status of the disputed account since XX/XX/XXXX suggests inadequate investigation and resolution of the dispute, in violation of this provision. Section 611 ( a ) ( 5 ) ( A ) : This section mandates that if the information disputed by a consumer can not be verified, the consumer reporting agency must promptly delete such information. XXXX failure to update the status of the disputed account despite ongoing dispute and updates to the account since XX/XX/XXXX indicates that the accuracy of the information remains questionable, warranting its deletion from my credit report. Furthermore, Experians repeated failure to address my concerns and provide adequate resolution constitutes an unfair and deceptive practice under the Consumer Financial Protection Act ( CFPA ). Therefore, I am demanding the following actions : The immediate deletion of the inaccurate and unverified account from my credit report. Confirmation from Experian that the inaccurate information has been removed or corrected. XXXX from Experian that they will implement measures to prevent similar errors and mishandling of disputes in the future. I am also requesting that the Consumer Financial Protection Bureau intervene in this matter and ensure that Experian complies with the FCRA and CFPA. Enclosed are copies of relevant documents, including proof of my dispute submissions and correspondence with Experian, for your review. Thank you for your attention to this matter. I anticipate a prompt and satisfactory resolution. Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my complaints # XXXX that I submitted on XX/XX/22 were closed when I checked it. Again, I was going through my records & noticed accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

There are a few inconsistencies on my credit report showing late payments that arent typical for me. Please correct these errors and update my account. Thank you!
Product: Credit reporting or other personal consumer reports

I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE FRAUDULENT UNAUTHORIZED OF THE REPORTING INFORMATION OF INQUIRIES ON MY CONSUMER REPORT XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX Lost wallet and ID document, SSN, Driver license, Green card , 3 XXXX  XXXX  XXXX credit card , 1 XXXX  XXXX  XXXX debit card , XXXX ID and Driver license, 1 XXXX Bank credit card. 

-Replace all lost documents XXXX Notice from XXXX XXXX XXXX Detective about debit cards ( XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX ) that founded from arresting Jomunrek Gatus at XXXX XXXX Precinct : notify call center about the issue and verify ID. 

XXXX receive letter form Santander Bank . 

XXXX sent the letter provided proof of identity, Identity victim 's complaint and affidavit and NYPD police slip via mail.
Product: Money transfer, virtual currency, or money service

I have opened a claim for the company " Money Network '' on XX/XX/XXXX at XXXX My case # XXXX. They thankfully returned my stolen money ( {$4800.00} ) to the debit card and noted " Adj Dispute Provisional Credit for case XXXX '' on XX/XX/XXXX. 
I have called the customer service phone number on XX/XX/XXXX at XXXX pm ( Ph : XXXX ) and talked to customer service representative named XXXX ( His employee # XXXX ). I agreed to issue them a check and send to my home address. It has been XXXX  days that I haven`t received the check. 
The last update at my account on XX/XX/XXXX " Issue refund ( Customer ) Transfer to Direct Check XXXX Account "
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted proof of my student loan being cleared and paid in full multiple times. The credit bureaus Experian and  XXXX  continue to not accept the Department of Education/ XXXX  legal paperwork. Both Bureaus have several student loan accounts still open that should be close. I have secured the services of an attorney who will be moving forward once Experian and  XXXX  acknowledge receipt of complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # 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
Product: Debt collection

I received a collection notice from XXXX on behalf of XXXX XXXX XXXX on XX/XX/XXXX. 

Despite having paid this account in full during the XXXX rental agreement, I recently received a notice stating that the account remains unpaid. This is factually incorrect. I have retained several of the original money order receipts and also possess written email confirmation from the rental agency verifying that the account was paid in full. 

Since receiving the notice, I have contacted the property manager on XXXX  ( XXXX ) separate occasions by phone in an effort to resolve this issue directly. Unfortunately, I have not received any response to date. This ongoing lack of communication has not only caused unnecessary stress, but has also left me feeling unsafe and increasingly anxious, especially as the threat of this misinformation negatively affecting my credit looms. 

I believe this action constitutes an unlawful attempt to damage my credit standing and may violate fair credit reporting practices. I am seeking CFPBs assistance in ensuring that this account is not falsely reported to any credit bureaus and that all inaccurate records are corrected promptly. 

I am prepared to submit the money order receipts and the email confirmation from the rental agency as evidence upon request. 

Thank you for your attention to this matter. I look forward to your timely assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified letters were sent to National Credit System at XXXX XXXX XXXX, XXXX Georgia, XXXX, tel. XXXX on XX/XX/XXXX and XX/XX/XXXX requesting that they remove an erroneous entry on my credit report in the amount of {$6800.00} and to date I have received no response. Certified letters were sent to XXXX XXXX and XXXX on XX/XX/XXXX requesting assistance. To date, I have received no response. On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX which directed me to the FTC website then I was redirected once again to the Consumer Finance Protection Bureau for assistance.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX XXXX XXXX I found out that Transunion credit bureau has tangled my XXXX  sisters credit report with mine and I filed a dispute with them. Shortly after I received XXXX letters in the mail from XXXX acknowledging my dispute and denying that the information they reported is inaccurate. I called them and after escalating the case and speaking to multiple representatives someone there was able to see their error and that my sisters information is being filed on my report. I have since mailed them copies of my social security number and ID and letters demanding the false information be removed. I sent a similar letter to Transunion as well. Of the many calls I have made to Transunion I have come to find that every one of my requests were not followed through on. I have been asking for my credit report to be sent to me. I asked again on XX/XX/XXXXXXXX XXXX XXXX. And I asked again on this day- XX/XX/2024. After the last representative I spoke to told me that no one previously had sent my requests for a copy of my credit report I lack confidence that this one will either. She said in XXXX business days I should be contacted, but I have been told many things by these reps and I have not gotten any information back yet. Every time I call it seems like nobody knows anything. I had previously requested to be emailed, as well as mailed, my credit report from XXXX different reps as well and both agreed to do so and this last rep said she didnt know why they would agree to that as Transunion doesnt email credit reports. I dont understand why getting access to my own credit report is so difficult. I cant see it on their website because I cant verify my own person as they mixed my report with an entirely different person. I continue to dispute this and am finding their effort to be null. I have been told by Transunion representatives on multiple occasions that the things Ive asked them to do have not be done and they have no notes about my claims. It has been nearly 30 days since the beginning of my dispute. This error has already caused me problems. I have no documents from them because they continue to not mail me anything. There are XXXX credit cards showing up on my report and I only own XXXX. I cant dispute the XXXX cards that arent mine because I have no idea what they even are because I dont have a credit report to see because they havent sent one to me!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Date assigned XX/XX/2023 I have received my credit report and noticed some inaccurate accounts reporting
Product: Payday loan, title loan, or personal loan

Got the loan back in XXXX of last year not realizing there was a military lending act that prevents that and I am currently out of the XXXX now and interest has built up to the point where they threatened repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an international student without credit history, nor account, nor credit card in the US. I received a fraud text message ( on XXXX, XXXX  ) through which I gave them my address, name, date of birth and SSN. Then I contacted TransUnion, XXXX and XXXX through phone ( on XX/XX/XXXX, XXXX, XXXX, XXXX  ), I was told that I do not have credit account and in order to create one, I need to fax and mail ( on XX/XX/XXXX, XXXX, XXXX  ) them a copy of my ID and proof of current address and some requires a copy of my SSN card. Then they can create credit accounts for me and lock it to prevent potential harm from the theft. 
I mailed the documents as required. However, I received mails ( on XX/XX/2022 ) from XXXX and TransUnion stating that they can not locate credit report and therefore they can not create credit file for me and freeze it. With XXXX, I never received any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX. This is not the first time that I am sending this complain. The last time I have processed this complain you came up with the conclusion that this is not me complaining. You closed the case number XXXX, XXXX, XXXX telling me that there is an unauthorized party third party involvement. I am telling you this is me XXXX. There is no need for me to give an authorization to anyone because this is me filing the complain, NOONE ELSE. You need to take further actions to my complain. I am tired of sending this complain and getting no results because of your wrong conclusions. Again this is me XXXX XXXX. Please reach back to me via email if you need anything to proceed with the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Has cost me loans rates not being able to rent this is ridiculous Remove the fcra violation ftc inquires like 30 of them
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

Since 2019 when these Accounts Appeared on my Credit reports I have requested VALIDATION of these debts, I requested Statements and All Evidence required to VALIDATE these Debts. The Original Creditors nor The Credit Bureas todate since 2019 has bothered to VALIDATE these debts they are reporting as Past Due or Charged off on my Credit Files. Six Years now I have requested Validation of these debts yet no CREDITOR OR CREDIT BUREAU HAS COMPLIED WITH MY REQUEST FOR VALIDATION. These Creditors and Credit Bureas only say these debts have been Verified as Accurate, I Requested VALIDATIION of these Debts, not VERIFICATION of these debts. These Debts have yet to be VALIDATED with a Statement or Past Due Notice. After so many years of trying get a Legal VALIDATION of these debts it impossible for be to accept these Debts as VALID.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I had opened a credit card with XXXX XXXX XXXX XXXX, Account # XXXX, opened on XX/XX/XXXX. The Account type on my credit report shows a revolving balance and closed account, however this is now over 7 years old, almost 8 years old, and is past the statute of the state it was opened in New  Hampshire, it is over in NY and where i currently live in SC. 

After working with XXXX XXXX over the past year, sending dispute letters and still seeing this on my credit report, I would like this removed immediately from my credit report on Experian, XXXX and XXXX, ( all 3 major credit bureaus ). 

This is not legal, and i really appreciate your help. The current balance shows {$5900.00}, with a credit limit of {$5000.00}. 

My SSN # is XXXX DOB XX/XX/XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair Reporting act Converging account # XXXX XXXX  XXXX has violated my rights.Account # XXXX XXXX 15 U.S.C 1681 section 602 A states i have the rights 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
Product: Student loan

I graduated XXXX XXXX in XX/XX/2009 with 2 loans totaling XXXX. Now they have been in collections and the principals have grown dramatically towards XXXX. Ive had wage garnishsment, sent federal income tax refunds, been on rehabilitation programs and have NO IDEA what to do now. I am extremely distraught financially and emotionally about this. I need to have these consolidated and want a line item description of everything that has happened. This company PeRformant on XX/XX/XXXX sent me a letter saying I had a principal of {$21000.00}, interest = {$850.00} and fees and cost {$4200.00}. A month later I get a letter stating my balance isnnow {$26000.00}. In one month my balance goes up over 5k! This is totally unacceptable. I am outraged. I recently submitted a complain about XXXX. I need help. I have no idea what my options are.
Product: Credit reporting, credit repair services, or other personal consumer reports

An credit card account from XXXX XXXX XXXX which is affiliated with TD Bank appeared in my credit report beginning XXXX, 2022 ( when I supposedly created it ) showing I owed {$1700.00}. I disputed this with all the credit agencies, but they state information is accurate. My credit is locked for at least one year. How could I be issued this account if Ive had my credit locked? Ive made no payments, yet status is 100 % on time payments. Have no access to account. I dont know the account number. And I have no audit trail of transactions that make up balance. Only TD BANK could have established this account, and it is a total fraud. Account is part of TD Bank Retail Card Services.
Product: Credit card or prepaid card

I filed a claim with bank of America months ago along with a police report. Bank of America sent me a letter on XX/XX/XXXX saying investigators were in my favor and temp credits were now permanent. XX/XX/XXXX - Bank of America debits l {$900.00} from my account and wont provide help or details on reasons why. 

Ive missed XXXX appointments, could not buy medicine needed. Ive received no money in weeks. 

I provided bank of america with a copy of my award letter THEY sent me in XXXX.
Product: Credit card or prepaid card

On XXXX XXXX, 2020 FIDELITY CREDITORS SVC add a derogatory mark on my credit report per XXXX, XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ( Collection agency name ) has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Debt collection

The account was closed and the equipment was returned via USPS to the equipment return center. We have continually contacted XXXX XXXX XXXX XXXX XXXX to let them the equipment was returned. This charge isn't authorized or accurate.
Product: Credit reporting or other personal consumer reports

I got a letter from XXXX XXXX  stating that on XX/XX/year> there were some type of Internet inquiry or loan taken out with WLCC landing XXXX Merritt financial trust. This is not me.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5 and 6 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Payday loan, title loan, or personal loan

I got a title loan from A1 action Cash XX/XX/XXXX for XXXX they advertised 0 percent interest for 30 days the manager told me it was a minimum charge of XXXX dollars if paid out in full with in 30 days. I was contacted before it was due telling me that the district manager was not willing to agree to the 0 percent interest and wanted to change it to the 25 percent before it was even due. I said that wasnt in the contract I had signed and was not willing to change anything. I went to pay it out and they tried to add a XXXX dollar late fee even though I wasnt late paid on the XX/XX/XXXX this place is corrupt and needs something done