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

I am submitting this complaint to the Consumer financial Protection Bureau ( CFPB ) regarding Bureau specifically in relation to the recent data breach that has compromised the personal information of countless consumers including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) s 605B ( 15 U.S.C s 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud.XXXX  is legally required to complete this action within four business days of receiving this complaint XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account Number : XXXX The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report.These entities are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation documentation of my FTC identity Theft complaint ( XXXX ) which serves as compelling evidence that these accounts, inquiries and collection are the result of identity theft and fraud. The negligence of XXXX in safeguarding consumer data has enabled identity thieves to exploit my personal information.I expect immediate action to rectify the matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information.Failure to comply with the legal with legal obligation will compel me to take further action, including escalation to the CFPB Federal Commission, and legal avenues available to protect my rights as a consumer. Thank you your attention to this urgent matter. Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act these creditors have violated my rights! Under 15 U.S.C 1681 Section 602 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''. 

I demand that the following accounts be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am also requesting monetary compensation for each violation.
Product: Bank account or service

I mailed in a check for a water bill for {$1.00} ( yes, that is XXXX Dollar XXXX ) that was dated for XX/XX/XXXX. However, the check was deposited & cleared my account more than 2 weeks prior to that date. As I rarely actually write checks ( and usually to prepay my account -- which is why my water bill was only {$1.00} ), I was surprised when the check cleared so early. I contacted the bank ( Chase ) to find out what their policy was on depositing post-dated checks and was advised per " whatever lame agreement they quoted me '' that they can basically post it whenever they want, with no regard whatsoever for the date. As the check is so small, and I had plenty of money in the account, this really was n't an issue. However, it is blatantly -- and unilaterally -- unfair to the average consumer that is relying on the date clearly written on the check to be honored to allow this practice. I guess this is one MORE reason to not write checks and to hate the US banking system.
Product: Vehicle loan or lease

On XX/XX/2024, I called West lake Profolio Management and explain my concern to them, I was put on hold for at least 45 minutes and then agent told me they sold the company and my warranty didnt go with the company and now that my transmission is broken they wont fix it .i was then put on hold for another 20 mins then they hung up the phone as I was on hold. I called again and they hung up, I never got my concern resolved .For a company whom harass me for money and repeatedly calls and threatens me for being {$2.00} off, when I have an actual concern I cant seem to solve it going through them. Im extremely frustrated with the customer service and I would like to further and take legal actions.
Product: Payday loan, title loan, personal loan, or advance loan

I made a purchase through XXXX around XX/XX/2023 using Affirm as a pay over time option. I canceled the purchase immediately. I reached out to affirm several times to notify them that the purchase had been cancelled and the product was never received. They refused to remove the charge and advised me to contact the original company ( XXXX ) from which the purchase was initiated. I contacted XXXX several times regarding a refund. They refused to refund my monies. I contacted affirm again trying to get the charge removed over 2 months and they still refused. I contacted XXXX again and upon their investigation they confirmed I never received my purchase and granted me a credit. I then paid the loan off through Affirm and asked for the late payments reporting to be updated to on time due to not receiving the product and paying loan balance.
Product: Credit reporting or other personal consumer reports

I am submitting this follow-up communication to apprise you of my previous complaint, dated XX/XX/XXXX, regarding my status as a victim of identity theft. As stipulated in FCRA Section 605b, Credit Reporting Agencies are mandated to expeditiously remove any items identified in an identity theft report, specifically under reference number # XXXX. Enclosed herewith are the relevant documents, attached for your reference, to facilitate the removal of erroneous information and inquiries that have been erroneously posted to my credit report. The following list comprises items that neither belong to me nor were opened with my explicit permission : 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 EQUIFAX 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. Per FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items identified by the consumer as information resulting from alleged identity theft not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Two purchases used with my eppicard child support were declined between XXXX and XXXX 2021. I logged into my account and it said that my account was suspended. I called customer service and have been passed between departments, being put on hold for hours. I would like a new card and also my balance statement to see where there was fraudulent activity.
Product: Credit reporting

I was unable to receive my free annual credit report from Experian. The website says, '' We were unable to honor your request. If you entered your credit card information, we did not charge you. ". So I guess they want me to pay for the report but it 's supposed to be free. There is no option to speak to a human when I call. My banks fico report says that Experian is reporting delinquent payments which is false. So I need the report and then a direct line to speak to a human to remove false info on my credit report.
Product: Mortgage

On XX/XX/2022 a {$30.00} fee was assessed to my mortgage for providing a payoff quote. This is an unfair practice and was not disclosed at the time of the payoff quote or within the mortgage note that was signed at closing. I didn't provide authorization to provide a payoff quote at the expense of {$30.00}. I'm more than capable of doing the math myself. After being informed of this fee, I logged in online to find out a {$30.00} fee is only charged if emailing or faxing a quote, which is typical when refinancing or selling a home. A free copy is an option for postal mail delivery only.
Product: Credit card

The company is Navy Federal credit union. My credit report states that the amount of {$9000.00} was written off but I did not receive a form 1099-C.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS 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  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you XXXX XXXX XXXX XXXX
Product: Credit reporting

THIS CREDIT REPORTING AGENCY TRANSUNION WAS TOLD IN A WRITTEN COMPLAINT THAT AN ITEM THAT JUST APPEARED ON MY TRANUNION CREDIT FILE ON XXXX/XXXX/2015 THAT THE ITEM WAS NOT MINE AND I DEMAND IT BE TAKING OFF AT ONCE AND THEY HAVE REFUSED TO REMOVE IT I REQUESTED THEM TO SEND ME THE ORIGINAL PAPERWORK TO PROVE THE ITEM IS MINE AS PER THE FCRA RULES AND THEY HAVE REFUSED THAT AS WELL THEY ARE IN VIOLATION OF FCRA RULES AND REGULATIONS AND I DEMAND THATHIS ITEM FROM A COMPANY XXXX FOR {$1700.00} THIS ITEM IS NOT MINE AND WANT IT REMOVED AT ONCE ... IT TAKES THEM XXXX DAYS TO REMOVE AN ITEM BUT ABOUT XXXX SECONDS TO PUT AN ITEM ON ...
Product: Debt collection

I have mailed 2 debt validation letters to this company and have not received any response from this company. A debt of {$180.00} is showing on my credit files and I am unaware of owing this debt. Two certified letters were mailed to this company one on XX/XX/2019 and another on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protects me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer. 

I still never gave them no written content to furnish these fraudulent inquiries/inaccurate accounts/late payments. They also violated 15 USC 1681i 5 & 7 and verified these accounts and violated 15 USC 1681a ( 2 ) ( B ). The law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine.

Also, this company violated 15 USC 1681a ( 2 ) ( b ) which states that a consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

An exclusion means that is it not supposed to be on there. Additionally, a credit card is defined in the Truth and Lending Act q5 uSc 1602 ( l ) - the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Any card is referring to the fact that my credit card or social security number in this context was used when I did business, because my social security number was used to extend credit to myself in this transaction.

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Also, it is required that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. 

They did not follow reasonable procedures to meet my needs as a consumer nor do what is fair and equitable to me, the consumer. Most importantly, this company did not exercise their grave responsibility by respecting my right to privacy, as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX has been providing false information on my credit report. 
The company 's have been contacted via phone in this regard. 

XXXX 's website has not allowed me to check my credit by phone or online and informed me that the information in there system is not correct. Names, date of birth, and also the social security number. 

I have a copy of this information for the record. 
The other error in information is about positive credit and, on time credit payments should equal to a positive impact. 
Even that the child support payments have always been paid on time. 

I paid off a account and still have not gotten a fair credit score. When there is no negative debt owed to anyone. 
Instead of increasing the credit score it actually decreased when I made the payment in full. 
Pre-poppulated an email sent to my account that my credit score has new updates and prompted me to login to their website and make a payment to boost my account. 

XXXX completely block 's me out the account even though they were sent the requested documents. 

Equafax has done similar actions. Requesting me to purchase their credit boost. The false information is still in the system. XXXX did increase the credit score when the last debt payment was paid. 
However there are other names on my credit report that are false and information about my identity.
Product: Credit card

I bought XXXX TVs from XXXX. One was fine, the other arrived damaged ; I requested a replacement which arrived damaged. I asked for another replacement ... they said they could n't. They would credit me and I can reorder. They said they would honor the discounts from the original order. I tried to reorder and they would n't honor what they said. I reordered anyway and they sent a similar, but wrong TV. After hours of emails and phone calls they refused to replace the wrong TV. At that time I disputed the charge on my Target credit card ... all to no avail. They denied it ... without understanding. I called the number and left a message with the person handling the request for the dispute, but he did not call me back. SO OK I GAVE UP. I PAID THE BALANCE DUE. All I asked was that they credit me the minor amount of interest during the dispute time. They credited some but not all. The balance is only {$19.00} ( all interest during the failed dispute period ). I closed the account and would like this credited to my account and have my credit report corrected if they reported any lates. XXXX and Target credit card is impossible to deal with. The overseas call center is terrible. I hope to put this issue behind me as soon as possible.
Product: Credit reporting

I have disputed the following inquiries with Experian and have not received an acknowledgement about doing so. I 've called experian to see if they received it and they do not see my dispute for the following inquiries. The following inquiries were disputed using experian.comXXXX. 

Disputed Inquiries : XXXX XXXX - XXXX/XXXX/16 XXXX - XXXX/XXXX/16 XXXX XXXX - XXXX/XXXX/16 I did not authorize any of these inquiries to be run nor did they have permissible purpose. I 've called each company and they were not able to find any reason as to why they ran my credit. I asked about deletion with all XXXX companies and no one knew what process to take to resolve this.
Product: Credit reporting or other personal consumer reports

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of m

ultiple federal regulations governing credit reporting. Outstanding Compliance Issues :
Product: Debt collection

The ACH amount owed XXXX XXXX was wrongly paid to New Bank of America and instead of being sent back to consumer it was transferred to XXXX XXXX after the cut-off date incurring a late fee and fines. I received several credits, but the debt kept appearing and the folks at Bank of America failed to respond to my phone complaints, Emails, and written communications to change the matter permanently. This debt is no longer owed to the debt buyer, XXXX XXXX, and the other debt buyer, New Bank of America, formerly Bank of America 's XXXX accounts, since I am retired and on social security benefits under law. These debt buyers have no documents or signed agreement by me either and that is why they want me to provide them with the information. I refuse to do so because they have no right to it. This is a matter of increasing their revenues and increasing my liabilities with a negative report on the XXXX big consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

Synchrony Bank decreased my limit a second time for no reason and hurting my credit score bringing points down. The notice from XXXX below. This is the second time Sychrony Bank has done this on me. I make at least my minimum payment every month. Synchrony Bank is extremely predatory, and something needs to be done with their practices. I have seen a lot of complaints from other consumers in regard to this and other predatory practices. 
My limit started of with XXXX. 
My Notice by XXXX : Between XX/XX/2024 and XXXX XXXX, XXXX, the limit on your XXXX credit card decreased by {$310.00} from {$1900.00} to {$1600.00}. 
A drop in your credit limit can lead to a higher Credit Card Utilization rate, even if your balance doesn't change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2021 ; XXXXXXXX XXXX XXXXXXXX Balance : {$2300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It saddens me that I have account ( s ) on my credit report that are illegally being reported hence withholding me from seeking new lines of credit. XXXX, Equifax, XXXX and the original creditors are BREAKING THE LAW. I have disputed these alleged accounts with XXXX, XXXX Equifax on -- -- -- -- -. The account ( s ) from XXXX XXXX with the account number ( s ) XXXX & XXXX.The account from XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) with the account number XXXX which is reporting on my XXXX and Equifax need to be removed. XXXX, XXXX, & Equifax are in violation of 15 U.S. Code 1681b which states in subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX, never gave XXXX, XXXX, or Equifax any written consent to report anything on my consumer report. No consent is in fact identity theft. Additionally, they are also in violation of another code. They are also violating18 U.S. Code 1028A : Aggravated Identity Theft which states ( a ) Offenses Pursuant to subsection ( a ) Whoever, during and in relation to any felony violation, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. The law states that whoever knowingly transfers, or uses, without authority, a means of identification of someone shall, in addition to the penalties for such general felony, will be sentenced to imprisonment of 2 years, or 5 years for terrorism. Hence, I, XXXX XXXX, never gave XXXX, Equifax, or XXXX any written consent to transfer, or use, without authority, a means of my identification. No consent is indeed identity theft. I demand to see a affidavit singed by a, XXXX, XXXX, or Equifax supervisor or executive detailing where I gave them written consent to transfer my identification!!!! You have violated U.S. Code 1028A. I have tried endlessly to remove these accounts with the credit bureau and creditor they have failed to remove the information they illegally furnished. Sadly, I will have no choice but to stop extending my credit report to anyone if this can not be resolved. I know my rights.