23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report which included multiple inquiries made by XXXX XXXX XXXX, XXXX. I have never applied for an account or a credit card with this company. I contacted Chase and all 3 credit bureaus to dispute this incorrect info and asked that they remove it from my credit report. The credit bureas did nothing, but a Chase representative assured me over the phone that the inquiries would be removed because they had no record of me applying for any of their services. A week later I recieved a letter from Chase stating that the inquiries would be removed. I sent this letter along with my initial letter asking them to remove the inquiries, because now I have proof that I never applied for anything from Chase and a written letter from Chase that they were removing the inquiries. This all happened about 3 months ago. I checked my credit again today and the inquiries still remain on two of my credit reports ( XXXX   & XXXX ) and now there are even more of them ( 9 inquiries ). I am convinced that I am either a victim of identity theft or there is a glitch in Chase 's system. The inquiries are happening every month. No one in their right mind would continue to apply with the same company and keep getting denied every month. Either way its hurting my credit score.
Product: Checking or savings account

On XX/XX/year> at approx. XXXX as trustee I called Synchrony Bank/ XXXX XXXX # [ XXXX ] and spoke to rep XXXX intending to provide CD closure upon maturity instructions ( in response to a maturity mailing which stated CD closure could only be done by phone ). When asked the verification question " What was the model of your first car? '' I answered with the only response I have ever given to that question, but was told that did not match the system so I would be required to receive a text message with a link to a multi-step verification process. The process ( which I was told was new ) was excessively time consuming and was repeatedly roadblocked with MULTIPLE failures -- the DOCUMENTATION OF THESE FAILURES IS AVAILABLE IN THE RECORDING of my conversation with XXXX during the process, which I was told will be maintained by Synchrony. For example : the first text link failed and required a 2nd sending, a video of the process required for the next step would not play ( despite multiple attempts at options to access ), the step of a required video led to a message " This site can't ask for your permission. Close any bubbles or overlays from other apps ... '' when no other apps were open. When I asked if there was an option to do the process with email/online, the resultant email simply said the process had to be done by phone or tablet! When I asked if I could speak to a supervisor, I was told none was available, requiring a request for a callback by one within XXXX hours. The only option available was to be mailed a code ( to be called in to a rep for verification info correction ) which would take XXXX days to be sent plus XXXX days to be received.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to highlight a potential violation of the Fair Credit Reporting Act ( FCRA ) by Experian, specifically related to identity theft. Despite notifying the company of inaccuracies in my credit report on [ date ], they have not taken the required action to investigate and remove the disputed accounts within the stipulated four-day period, as mandated by the FCRA. 
On XXXX, I formally disputed inaccurate account information with Experian, providing supporting documentation and a clear explanation of the errors. 
Experian received my dispute on XXXX. According to the FCRA, they are obligated to investigate and correct inaccuracies within XXXX days of receiving the dispute. 
Despite the FCRA 's requirement for a prompt investigation, Experian has failed to take any action to correct the reported inaccuracies within the specified time frame. 
Identity Theft Concern : In addition to the FCRA violation, I believe that the inaccuracies reported in my credit report may be indicative of identity theft, which is addressed by specific provisions in the FCRA. 
Relevant FCRA Provision ( 15 U.S.C. 1681c-1 ) : " Section 605B of the FCRA requires that a consumer reporting agency block the reporting of information that is the result of identity theft within four business days of receiving an identity theft report from a consumer. '' I request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter and takes appropriate action to ensure Experian complies with the FCRA, including provisions related to identity theft. My desired resolution includes the prompt removal of the inaccuracies from my credit report and any necessary corrective actions. 

Thank you for your attention to this complaint. I trust that the Consumer Financial Protection Bureau will address this issue promptly. 

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

I AM A VICTIM OF IDENTITY THEFT ALL INQUIRIES MADE WERE UNAUTHORIZED AND NEEDS DELETION 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above. 
2. Provide me with written confirmation of the results of your investigation. 
3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights. 
4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX. 
5. Provide me with an updated copy of my credit report once the corrections have been made. 
6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. 

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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: Vehicle loan or lease

I was contacted today XX/XX/2021 stating I was 4 days paid due. I was told by XXXX XXXX in XXXX Arizona the due date would be change to XXXX after they submitted to Kia finance. I explain this to Kia fianc today and collector just kept saying can you pay that today repeatedly and would not help with solutions. I asked to speak to manager manager said said thing and told me I am being billed {$7.00} plus for it being late. I read over my contract and I do have a grace period of 10 day before getting late charges. This is unfair debt and collections against myself. I want to point out I asked for paper billing and see told me se can not. I just got off the phone again with company and said they can. This is unacceptable debt collections against myself. I would like a resolution to this issu.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I WAS CHARGED FOR SOMETHING I NEVER AUTHORIZED AND I NEVER DONE BUSINESS WITH THIS COMPANY. ON XX/XX/XXXX XXXX XX/XX/XXXX I WAS CHARGED XXXX ON MY CHASE CARD # XXXX MY NIECE AND I CALLED CHASE CREDIT CARD ON XX/XX/XXXX AND REPORTED FRAUD WHICH THEY TOOK THE CASE AND PUT CREDIT OF XXXX ON THE NEW CARD THEY SENT ME WHICH WAS CARD # XXXX AND CREDIT WENT ON THAT CARD. I PAID BILLS WITH THAT MONEY AND THEN RECIEVED A LETTER FROM THEM THAT STATED THEY WERE TAKING THE CREDIT BACK. WHICH AFTER PAYING BILLS I SHOULD OF HAD LIKE 17,000.00 SOMETHING LEFT OVER. THIS IS SO BAD THEY WOULD D THIS TO THERE CLIENTS. NOW IM STUCK OWEING MORE MONEY. THIS IS SENIOR CITIZEN ABUSE. PLEASE HELP ME GET MY MONEY BACK. I HAVE NO IDEA WHO THIS COMPANY IS WHO TOOK ALL THIS MONEY OUT OF MY ACCOUNT I NEVER AUTHORIZED THIS MONEY TO COME OUT OF MY ACCOUNT AND I NEVER DONE BUSINESS WITH THIS COMPANY. CHASE VISA SHOULD BE ASHAMED OF THEMSELF. PUTTING A SENIOR CITIZEN THROUGH ALL THIS GIVING ME THE CREDIT AND THEN TAKING IT AFTER WEEKS AND AFTER I PAID BILLS
Product: Bank account or service

Wells Fargo continues to collect overdraft fees on my checking account even though I have requested a freeze as there has been money illegally taken out of my bank account after I had written XXXX checks. i call and ask for solutions and they are unable to assist me in any way. I have experienced poor customer service, a significant amount of money collected by them and no consumer protection from Wells Fargo. 
I deposited a check last week and ws not informed a hold would be placed on the funds so wrote another check. They collected more overdraft fees as a result of this and will not look into the issue further.
Product: Credit card

I applied for a credit card through XXXX to buy a new computer. Synchrony financial offered me a 0 % interest credit card. After three months I looked at my account activity and the company has been charging me a card security fee every month. I have lost about {$47.00}. I will call and cancel this. I never agreed to this fee. I think it is fraud and was in the fine print of the credit card information. Synchrony bank sucks!
Product: Debt collection

This information XXXX XXXX XXXX XXXX  is reporting on my credit file is not my bill or account this has been on my credit report for over 5 years and Id affecting my credit inaccurate information this company or hospital is 4hours away from my home I dont know how they got my information by law this not right to report on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

My updated credit report from Experian was reporting an inquiry that is not connected to me. The inquiry posted should not be on my report because I have neither inquired nor reached out to anyone of them. If Experian has made an extensive investigation about this, they should have removed this inquiry. However, they have not their duties of either confirming the items and/or reaching out to me to notify. Stated below is the unfamiliar inquiry showing in my account. 

XXXX XXXX FIN Date of inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

I sent certified mail to XXXX, transunion, and XXXX  disputing fraudulent charges on my credit file. They were reporting wrong addresses, name spellings, and other personal information that was invalid, I disputed the companies on all three agencies by certified mail as well as the companies these charges were from, I included copies of state identification, passport, utility bills of correct address, police report of everything that was stolen, XXXX breach letter with me being a claimant, and court case from one of the collections on my credit file they have not been removed its been over 30 days. XXXX gives you the run around saying there system is down and they can not transfer to a supervisor. It is almost near impossible for them to fix anything with my credit profile. I have been a victim of identity theft since XXXX  and have been dealing with these issues and till today still have not received a resolution. I want a valid answers according to the laws of the F C R A they have not done it and I am being affected daily. I sent all three bureaus 29 page documents with photo copies include proof sent by certified mail receipt no further information was provided from any of the credit repoting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient loan is reporting an incorrect amount on my TransUnion credit report. On XX/XX/2020 I submitted a dispute to correct the information and TransUnion has now completed their investigation but nothing has changed. This clearly shows that they did not investigate the dispute and now is a violation of the FCRA as items are to be accurate on a credit report. I want this item to be deleted. 

Account is DPT ED/XXXX # XXXX
Product: Vehicle loan or lease

Upon purchasing vehicle at Dealership, XXXX XXXX XXXX financing company ; XXXX XXXX XXXX, Date : XX/XX/2022 Amount of collection ; {$1100.00} XXXX XXXX XXXX did not provide tags for vehicle that was included in deposit amount. 
XXXX XXXX XXXX did provide products services to vehicle promised in agreement bringing vehicle purchased to depreciated amount as the damages at purchase depreciates the amount of the vehicle amount. I have contacted company to resolve this matter with written statements, requests, and images of product to verify concerns. 

XXXX XXXX XXXX, transferred loan to Westlake Portfolio Management as of ; XX/XX/2022 Westlake Portfolio Management is harassing me to pay debt amount of ; {$1500.00} This consumer has furnished an account without my written instructions. 

In accordance, with the fair reporting act, XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 
Westlake Portfortlio Management account # XXXX XXXX U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. When reviewing my credit reports, I noticed some accounts, XXXX XXXX XXXX XXXX that I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my personal information being exposed, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national breach and a Validation of Debt Letter.
Product: Mortgage

On XX/XX/XXXX I received a notice from my credit reporting company that Mr. Cooper DBA Nationstar, the servicer of my mortgage, filled a delinquency notice on my mortgage which is the basis of this complaint. 

On XX/XX/XXXX I went to increase my principal payments against my mortgage. This led for some reason Mr. Cooper DBA Nationstart to double withdraw the amount of {$1500.00} which they then reversed a payment for one of the charges. 

On XX/XX/XXXX Mr. Cooper DBA Nationstar once again changed {$1300.00} Plus and additional principle payment of {$250.00}. And once again they reversed the payment. 

None of this I was aware of as I'm on autopay and this money comes out from a savings account that I fund annually to pay my mortgage. 

I then received communication at the end of XXXX that my account was past due. I called customer service, and the agent explained there was some mistake with the autopay. Infact, also noticed that my account information was not mine. IE the direct deposit information was changed without my consent or knowledge, and it was someone else 's bank information. I have no idea how this happened and the customer agent did not either. 

I then immediately made two payments of {$1300.00} on XX/XX/XXXX and Mr. Cooper DBA/Nationstar agreed to refund all late fees and apply any additional interest charged to my principle. 

Then on XXXX I received a notice from my credit reporting company that Mr. Cooper DBA Nationstar, the servicer of my mortgage, filled a delinquency notice. This dropped my credit score from XXXX to XXXX. In my entire adult life my credit score has never been this low. I have spent my entire life building this credit score. Now this company can ruin it overnight because of their own ineptitude and lack of oversight? 

I have reached out but have not yet heard back from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM RESPONDING TO THE COMPLAIN NUMBER CFPB # XXXX THAT YOU CLOSED ON XX/XX/XXXX WITHOUT ANY INVESTIGATIONS. THIS IS NOT A DUPLICATE COMPLAINT AND ITS SEND BY ME XXXX XXXX XXXX AND AUTHORIZED BY ME XXXX XXXX XXXX XXXX DONT IGNORE THIS COMPLAIN, BUT INVESTIGATE, AND TAKE ACTIONS**** I HAVE ATTACHED THE FOLLOWING INFORMATION AND DOCUMENTS YOU REQUESTED. I ATTACHED THE DRIVING LICENSE AND ONE COPY OF THE UTILITY BILLS, ALONG WITH OTHER DOCUMENTS. 

NAME : XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX : XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX Inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. These are the Violations of the Fair Credit Reporting Act. 1. Delete this account, because it shows Balance {$8.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it shows a Past Due Amount {$8.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows  Payment History reported consecutively as NEGATIVE in XXXX XXXX ; XX/XX/XXXX ; 30 days late payment XX/XX/XXXX ; 30 days late payments in XXXX ; 30 days late payment in XXXX ; 60 days late payment in XX/XX/XXXX ; 90 days late payments in XX/XX/XXXX ; Including XXXX and XX/XX/XXXXyear reported Negative A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an urgent matter. I have attached my Experian Credit Report and circled the violations, Experian violated in red color. Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Student loan

I sent a letter to FedLoan Servicing in XXXX 2016 explaining that I would like all the extra payments I make to be applied to the principle balance of the loan, rather than to interest. I have just discovered that for the past 7 months, they have continued to apply my extra payments to interest, despite my wishes. They never sent me acknowledgement of receipt my request, yet when I call their XXXX number there is only a computer that responds. I feel I do not know how to contact them in order to apply my extra payments to my principle, which hurts me in the long run as it extends the payment period and increases the overall amount that I will be paying back.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is identity theft. I did not provide written permission or instruction with a wet signature for these transactions to be reported on my consumer report. I reached out to you recently to fix these! I'm requesting that this info to be blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not being handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.
Product: Debt collection

XX/XX/XXXX collection opened under false pretense using identification to authorize a mortgage debt. XXXX XXXXXXXX XXXX  apartments. A police was filed on XX/XX/XXXX for identity theft. authorized use of identification card. XXXX XXXXXXXX XXXX violated my personal identity u.s.c 1028.4 and 15 u.s.c 1681 obtaining a persons information to file a debt to file a consumer report as an estate or government agent for a financial advantage. This report was pulled under false pretense and needs to be removed and deleted from my account. This is not my debt. I did not validate this. My address is private this is not my record.
Product: Checking or savings account

We have applied for the PPP loan with Bank of America. The person reviewing our application is mishandling our application and keeps rejecting it without specifying the reason for rejecting it. We have attempted to contact the group that handles PPP applications with BOA but they are not getting back to us. This person is wasting our opportunity to receive the funding because of his/her mishandling of our application.
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 systemic 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 removeddisputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I find it incredibly disheartening and infuriating that despite adhering to every protocol in disputing this account, I am met with an outrageous level of negligence and indifference. I've diligently followed the necessary steps : reaching out to the bank, involving law enforcement, and filing a report with identitytheft.gov. XXXX, in compliance with legal requirements, has promptly removed the account from my records. However, Experian seems to operate in an alternate reality, questioning my diligence in following procedures. This is the sixth complaint I've filed against them, and every time, I am met with the same absurd response, claiming the validity of the documents I've submitted is in question. I refuse to believe that the consumer laws and courts are so lenient that they render filing a lawsuit futile. Having endured this ordeal for over six months, I am at my wit 's end. Experian 's blatant disregard for the severity of my case is beyond comprehension. XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}. Let it be clear that I, the person submitting this complaint, am unassisted by any third party. I implore you to treat this matter with the urgency it deserves.