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

I was reviewing my credit report and noticed that i had some inquiries that i did not authorize.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute fraudulent accounts on my credit reports resulting from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX Account Number : XXXX ( XXXX, Experian, XXXX XXXX XXXX XXXX  Account Number : XXXX ( XXXX, Experian, XXXX ) XXXX XXXX  Account Number : XXXX ( XXXX, Experian, XXXX ) XXXX XXXX XXXX Account Number : XXXX ( XXXX, Experian, XXXX ) XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX, XXXX ) Account Number : XXXX ( Experian ) XXXX XXXX XXXX Credit Card ( XXXX XXXX Account Numbers XXXX XXXX ( XXXX ), XXXX ( Experian ), XXXX ( XXXX ) XXXX Account Numbers : XXXX ( XXXX XXXX Experian, XXXX ) XXXX ( XXXX, Experian, XXXX ) XXXX ( XXXX, Experian, XXXX ) XXXX XXXX Account Numbers : XXXX ( XXXX ) XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX ( XXXX ) Account Number : XXXX ( XXXX, Experian XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX, Experian, XXXX ) XXXX XXXX XXXX XXXX Account Account Numbers : XXXX ( XXXX, Experian, XXXX ) XXXX XXXX XXXX XXXX Experian XXXX XXXX ) Under 15 U.S.C. 1681c-2, I have the right to block and demand removal of information resulting from identity theft. Furthermore, reporting these accounts without my explicit consent violates 15 U.S.C. 1681b, which governs permissible purposes for accessing and reporting consumer information. I assert that these accounts were created and reported unlawfully, and I never provided consent for such reporting.

I have attached an identity theft affidavit and additional supporting documentation. Please ensure these accounts are removed from my credit reports immediately.

I request written confirmation of receipt of this dispute and updates regarding the resolution process. I also remind you of your obligation to address these violations promptly under 15 U.S.C. 1681i.

Thank you for your urgent attention to this matter.
Product: Vehicle loan or lease

Penfed Credit Union has been furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, and my ability to obtain credit for personal and house purposes. Penfed Credit Union has damaged my livelihood tremendously. 
Ive sent in my first letter to Penfed Credit Union, which was received on XX/XX/2022. I send over a rescission letter with a affidavit of truth with a cease and desist form. All documents were notarized and sent certified mail .And by doing that makes Penfed in contract with me with the paperwork that they received .But alarmingly I was responded with a promissory note that only had one signature, by law this cant be binding since its not a wet ink signature nor did both parties sign it. Penfed Credit Union feels that the law doesnt apply to them which is very concerning to me. I responded with sending in another affidavit along with a letter stating that I AGREE TO PAY ANY FINANCIAL OBLIGATION, WHICH I MIGHT LAWFULLY OWE ON THE CONDITIONS THAT PENFED SHOULD PROVIDE THE FOLLOWING XXXX ) Validation of the debt, that is the actual accounting 2 ) Verification of the claim made against me ( thats a signed invoice ) 3 ) a copy of the contract binding both parties 4 ) Full Disclosure 5 ) The Wet ink signature binding both parties 6 ) prof of claim that you know what a person actually is in legal terms I gave Penfed Fourteen days to produce this and they never did. They also committed Trust Fraud
Product: Debt collection

For the past 2 weeks Ive received multiple hang up calls from a credit collection agency named merchant credit guide I never spoke with anyone regarding an account or bill untill I spoke with someone on Tuesday ( not regarding any account regarding the hang up calls ) after being hung up on and told them to stop calling me and hanging up as a consumer Im fully aware of my rights today XX/XX/XXXX I received a notification regarding my credit being hit with a derogatory mark and its from this company merchants credit guide I want this mark removed from my credit immediately as proper steps for notification and validation for this said debt has not been made prior to putting a derogatory mark on my credit IM the ALSO disputing the validity of the bill Im requesting a print out for whatever the said debt is if the mark isnt removed immediately I will be moving forward with litigation as this is a violation of my rights this debt is not mine Ive never even done business with this said company
Product: Checking or savings account

I have XXXX XXXX Security Freeze that has been in place since XX/XX/XXXX. There have been two fraudulent bank accounts opened with my identity through Bank Of America, first on XX/XX/XXXX, and now again on XX/XX/XXXX. Bank of America has closed both accounts, but since I have everything frozen and can't seem to prevent it, I can't rule out this being fraud committed by Bank of America.
Product: Debt collection

I was never notified of this collection I noticed it on my credit report for I check it often I had not received any paperwork or anything in the mail I sent a dispute letter XX/XX/year> the letter was sent certified mail it is now XX/XX/year> over XXXX  days and haven't received anything that is past the XXXX  days allowed according to US code 1692g I'd like this collection to stop and this account removed from my credit report..letters attached as proof..
Product: Vehicle loan or lease

The account in question in discussion is GM Financial Account # XXXX the issue at hand is a late in XX/XX/2020 and XX/XX/2020. Due to Covid-19 I was unable to make the payments. I tried calling to defer the payment and could not reach anybody at GM Financial. When I was well enough I did make the payment immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo. XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA. XXXX To Whom It May Concern, I am writing to delete the following information from my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the inquiries listed. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


TransUnion Negative Addresses To Be Deleted XXXX XXXX XXXX. 
XXXX XXXX, Mo. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo. XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXXXXXX TransUnion Negative Accounts To Be Deleted XXXX XXXX {$440.00} XX/XX/XXXX TransUnion Negative Inquiries To Be Deleted XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

Dear FTC and CFPB, I am writing to file a complaint against AMEX/CITIBANK I believe that the collection agency has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). The collection agency has not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ), but they have placed a collection on my consumer report. I have been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ). The collection agency is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means. The collection agency has no authority to furnish any account to a consumer reporting agency without providing any/all disclosures required by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1661-52 ( 7 ) ( A ). I am requesting that the FTC and CFPB investigate this matter and take appropriate action against the collection agency. 

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

I have a hard inquiry on my credit report made on XX/XX/2019 that I know nothing about. It is on XXXX XXXX and trans union report. Inquiry is from XXXX. I have notified all 3 companies and they keep telling me to contact each other. Nothing is getting done and needs removed from my credit. When I call XXXX they tell me that it's not them and is on my report fraudulent to contact again credit bureau and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the air Credit reporting act ( FCRA ), 15 u.s.c. 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( A ) ( 1 ) ( A ) - ( b ), as highlighted in the CFPB 'S recent administration proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have membership with EXPERIAN so I check my credit activity quite often and noticed a new account on my credit report for which I did not apply for and have no idea how the account was opened without me knowing. I called the company and they confirmed it was fraud, they asked me for my email to send me the findings of the investigation and on the same day I also started a dispute with EXPERIAN. The dispute for the account with XXXX XXXX was not changed as a result of the processing of the dispute. 

Experian stated that the company that reported the information has certified that the information is accurate. I do recall seeing my bank account debited in the amount of {$4.00} in XXXX for a membership with XXXX  for which I immediately contacted my bank to investigate and reverse the unauthorized transaction and they did right away on XX/XX/XXXX, XXXX the account showed up on my EXPERIAN credit report almost 3 months later. I have no knowledge of the company, never received any mail or email and I have a balance as of XX/XX/2021 that needs to be removed as soon as possible.
Product: Credit card or prepaid card

called XXXX extra points barkleys card in XX/XX/2015 disputed XXXX  for charges on card for returned mdse lied to XXXX lawyers claimed did not receive coins but I was advised by XXXX XXXX  owner received coins and would issue credit but no credit on card
Product: Mortgage

Over this past weekend, Home Point Financial corporation reported to the credit agencies that I was delinquent 30 days on my mortgage payments. I have verified with my bank and with my account on the Home Point Financial website that I am currentl on all payments. This error in reporting dropped my score by over 100 points. 

I have attempted to reach them repeatedly to no avail, and I have received no response to phone calls or email sent to the company. 

I found out that other customers are affected via a XXXX XXXX, when I would have rather heard directly from the company. At this point I do not know when this will be corrected, how long it will take to reflect in my credit score or what long term effects this may have on my account. 

Given the recent track record that I've had with this specific servicer, who was late to pay my home and flood insurance as well, I don't expect their resolution to make everything right in a satisfactory amount of time. This is alarming, given the severity of the problem they are causing with the credit scores of their customers that are responsible and pay on time. 

I am concerned this may occur again with this servicer. 

Upon request I can provide copies of relevant statements from the Home Point themselves along with those from my bank.
Product: Mortgage

I contacted XXXX XXXX XXXX # XXXX regarding a mortgage. I explained to him from our initial conversation that I previously had a short sale and wanted to know if I would still be eligible for a mortgage, he proceeded to ask me for personal information and replied that there would be no problem in getting me approved. I disclosed to him that I wanted to buy the same house I previously owned, he stated that would n't be a problem. He provided a pre-approval and had me complete and signed disclosures. One week prior to closing and after paying for inspection/appraisal and attorney fees he called me and stated it could n't be done. We started to look again for another house, found one and he said that now we would n't have an issue ( all supported by emails, text and conversations with my attorney ). Again I paid for inspection, appraisal and he came back almost 2 months later stating he was asking for an exception and needed additional documentation. I was told by his previous employer XXXX XXXX XXXX that this was not the 1st time he did this to a client which is why they were in the process of firing him before he left. He is now at Caliber Home Loans, he is deceptive and treated me unfairly. He should not be allowed to work in this line of business as I am sure I am not an isolated case.Having me incur over {$3000.00} in expenses in addition to time and XXXX clearly demonstrates he is unethical.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 or other personal consumer reports

I, XXXX XXXX, am submitting this Identity Theft Affidavit to report and dispute fraudulent activities and unauthorized transactions that have occurred under my name. I assert that the information provided herein is true and accurate to the best of my knowledge. 

I became aware of the identity theft on XX/XX/XXXX  when I noticed suspicious activities on my financial accounts and received communication regarding accounts I did not open. This has caused significant distress and concern for my personal and financial well-being. 

I have taken immediate steps to report this identity theft to the relevant authorities, and notifying my financial institutions. I am in the process of working with the affected entities to rectify the fraudulent transactions and secure my accounts.
Product: Credit reporting or other personal consumer reports

This Person ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.
Product: Credit reporting or other personal consumer reports

I am a United States XXXX Veteran. My sir name is incorrect, I am a XXXX, not a XXXX. or a XXXX  as it is on my Birth Certificate, XXXX  Real ID and my Military XXXX. I have unauthorized Hard Inquiries on my credit report. I'm in the hospital a lot and not able to walk well so I don't get my mail often. I tried to tell them that I did not authorize this inquiry, but they did nothing, along with many other inquiries on my credit reports. I do not authorize this inquiry and is still trying to figure it out how this happen to me.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block, inc. ) due to multiple counts of inadequate customer service and below the belt practices illegally. Illegal acts that violate the Consumer Financial Protection Act ( CFPA ). To add to the injury, Cash App completely ignored the safety of their loyal dedicated customers by failing to take timely and effective actions to prevent and address ( the already addressed inactive customer service line ) fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was sly, underhanded, and deceptive, as they did not comply with error resolution procedures and requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant financial losses and inconveniences. To close Im demanding appropriate redress and financial compensation for these losses
Product: Credit reporting, credit repair services, or other personal consumer reports

The former Avant account number is XXXX, and this account is reporting to my XXXX, XXXX, and XXXX credit files. Avant is in violation for the Fair Credit Reporting Act by reporting inconsistent and inaccurate information to my credit reports. They have also reported this account as closed two times, once in XX/XX/XXXX and then again in XX/XX/XXXX when they updated the negative account data. 


This account with Avant was paid in a settlement on XX/XX/XXXX. There are several discrepancies with how Avant is currently reporting this account to the three credit bureaus. Avant is reporting the charge off status date as XX/XX/XXXX on XXXX and XXXX, but reporting the charge off status date as XX/XX/XXXX on XXXX. They are reporting the loan in three different ways ; Charged off on my XXXX report, Paid or Paying As Agreed on XXXX report, and Legally Paid in Full for Less Than Full Balance on my XXXX report. They are also reporting 8 negative months on XXXX, but only 7 negative months on XXXX and XXXX. See attached inconsistent account reporting information from credit reports. 

Avant has continued to update this account negatively and inaccurately to the credit bureaus for 2 additional years after the account was paid in a settlement. Avant sent me an email admitting that they had been incorrectly reporting the account, but they still refused to remove the inaccurate account. They sent the attached email to me on XX/XX/XXXX saying that I had satisfied my settlement obligations. Why did they continue to report this negative account status until XX/XX/XXXX? 

On XX/XX/XXXX, I received several alerts and the attached emails stating that Avant updated my account with late payments. Avant has continuously failed to accurately report this account to the various credit bureaus throughout the present. This account had not had any reporting updates since XXXX, but now they have updated the account with recent late payments which decreased my credit score by XXXX points. This account should not be reporting new late payments when the account was paid off in XX/XX/XXXX.
Product: Checking or savings account

Numerous past CFPB complaints have been filed pertaining to an issue of overdraft fees charged to accounts I did not authorize as well as a settlement offer made in regard to said fees. I was unable to view reply to a prior complaint and did not receive a response to second complaint made as result thereof. Wells Fargo rep, XXXX, did not address issues in initial reply, he only stated attempts were made to resolve said issues which is not true. Wells Fargo is fully aware of resolution, which is a refund in the amount of {$610.00} in overdraft fees charged to accounts, they have sent me mediation request forms as part of their reply in re, a total of four forms filled out and sent in thus far. Their claims dept denied refund request stating a check was issued prior which I did not receive. I had spoken with an XXXX XXXX in claims, she offered a settlement amount of {$3700.00}. However, no payment was received and she would not put offer in writing which I believe is shady. Additional complaints were then filed, Wells Fargo would not resolve them, their rep XXXX replied stating they made resolution attempts as stated earlier. However, this is not the least bit true as they are aware of resolution and will not comply. My refund request in the amount of {$610.00} reflects prior remedy refunds in the amount of {$50.00}, {$120.00} and {$85.00}. The total fees I show from statements is {$870.00}, I reasonably deducted refund amounts for a total of {$610.00}. Since no settlement check was received, their offer deemed bogus, I am back to demanding refund in this amount. Wells Fargo is fully aware of this resolution and their claims of attempting to resolve are entirely bogus. In closing, please advise Wells Fargo of final resolution, which is refund in the amount of {$610.00}. Failing this, additional complaints will be filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion failed to do a proper investigation into a dispute reinvestigation That I previously requested, to date TransUnion has not done any investigation into this matter, however they stated in a previous CFPB complaint that they did ( that was a false statement ). On XXXX, XX/XX/XXXX and XX/XX/XXXX TransUnion has not sent me a response or update. TransUnion did not do a proper investigation as required by the FCRA. I have attached evidence to this complaint showing TransUnion never investigated nor updated my credit file, I have also attached a court document showing the account on my credit file is invalid. I DEMAND THE FOLLOWING ACCOUNT BE REMOVED IMMEDIATELY FROM MY CREDIT FILE : XXXX XXXX DOCKET NUMBER : XXXX.
Product: Debt collection

Around XX/XX/2016 my lease was ending and I was contacted by XXXX   XXXX XXXX, a local dealer who I leased the vehicle from 3 year prior. They offer to do my lease termination if I purchased a car from them. 
A couple of weeks later after setting up appointment, I went to the dealer, ended my lease and bought a new car from them. 
1 month later world Omni calls me saying I was late on my lease. They had not been notified that the car had been turned in at the dealership. THe dealer ignored my call for a week and finally 45 days later they admitted the had no idea where the car was. 
Once they finally found the vehicle it appeared that the car had been driven by someone during this time. THe financing company said there was wear and tear above and beyond normal and they wanted to charge me for this.
Product: Money transfer, virtual currency, or money service

I agreed to purchase car parts from an individual allegedly named XXXX XXXX on XX/XX/year>XXXX  with remittance of {$190.00} through Zelle to a XXXX XXXX through a website called XXXX. After payment through Zelle, the parts were never delivered and both XXXX XXXX and XXXX XXXX disappeared. I contacted the NYS Police, filed a report and contacted my credit union, XXXX XXXX XXXX XXXX who denied any recourse. I attempted to contact the fraudster with a demand letter and through a number of other legal authorities to no avail. XXXX also disclaimed any responsibility through their lawyer.
Product: Checking or savings account

On XX/XX/2023 my checking account was compromised with monies being illegally withdrawn that incurred overdraft fees. Wells Fargo refused to provide a credit stating I authorized all charges using my VA benefit check. I was unable to pay normal bills and rent with this account causing me to accrue unnecessary debt.