23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Someone has stolen my identity and was able to open an account in my name and I only found out through my credit monitoring service. When I tried to call I was given limited information but was advised account was closed and a couple months later was notified that someone is still trying to use my information to open another account. 

They closed my previous complaint case and lied and said they could not reach me but I have been trying to call back for the last week and did not get a call back from XXXX. I left her two voicemails with my hours to be contacted and she never called or responded to my voicemail and she does not answer when I call. This is a lying and fraudulent company and I need to be compensated. I told her that I did not feel comfortable leaving my social on her voicemail to access the unauthorized account that was created at this bank. Someone has stolen my information and has tried to get a Chase bank account twice in my name without my consent. I have a credit monitoring service that has captured this fraudulent activity twice. I do not have account info because I did not enroll in any service with Chase, so you will need to use my social security number because the address does not match my address either which should tell you the account was opened fraudulently.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain accounts that have been listed on my credit report, and I am concerned about the discrepancies and potential fraudulent activity associated with them. Upon reviewing my credit report, I identified the following accounts that raised significant questions due to inconsistencies in reported information : 1. XXXX - ( Account # : XXXX ) 2. XXXX ( Account # : XXXX ) 3. XXXX ( Original Creditor : XXXX XXXX  ) Account # : XXXX I am troubled by the incongruities in the details, such as outstanding balances, dates, amounts, and credits, as reported by different credit bureaus. Additionally, I have not initiated any recent credit applications or authorized anyone else to apply for credit on my behalf. Therefore, the inclusion of these accounts on my credit report raises concerns about potential fraudulent activity. 

I kindly request a thorough investigation into these accounts, and I would appreciate your assistance in providing the following information : Verification of the accuracy of each account listed above. 
Clarification on the source of information and the verification process employed. 
Confirmation from the assigned creditors regarding the ownership of these accounts. 

Given the seriousness of this matter, I urge to expedite the investigation and, if necessary, promptly remove these potentially fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNION KEEPS REPORTING BACK SAYING UP-DATED AND THEIR UP-DATES PUT MORE DAMAGING INFORMATION ON MY CREDIT REPORT. I THINK THE WORKERS AT TRANS UNION ARE TRAINED TO KEEP NEGATIVE INFORMATION ON XXXX XXXX CREDIT FILES. I KNOW TRANS UNION SUB-CONTRACTS TO CALL CENTERS IN THE XXXX. 

I WANT ALL THE GAMES TRANSUNION IS PLAYING TO STOP AND THEY REMOVE ALL MY PAID OFF BILLS. 


XXXX XXXX XXXX XXXX established the XXXX XXXX XXXX through the XXXX XXXX XXXX Reform and Consumer Protection Act of 2010 to provide compensation to consumers who have been harmed by violations of federal consumer financial protection law. 

When the Bureau collects a civil penalty through an enforcement action, that penalty is deposited into the Civil Penalty Fund. The money in the Fund is pooled and can be used to compensate victims who havent received full compensation for their harm through redress paid by the defendant in their case. 

In accordance with the Dodd-Frank Act and the Bureau 's Civil Penalty Fund rule , the Fund can only be used for two purposes : to compensate eligible harmed consumers and, to the extent that victim payments are not practicable, to provide funding for consumer education and financial literacy programs. If victims can not be located or it is otherwise not practicable to pay victims, the Bureau may keep the money in the Fund for victims in future cases, or the Bureau may use money in the Fund for consumer education and financial literacy programs. 

Learn more about how we determine victim eligibility Our work Victim payments The Bureau may make Civil Penalty Fund payments to consumers who were harmed by a violation for which civil penalties were imposed, and who arent otherwise expected to get full compensation for their compensable harm, as described by the rule. The Bureau hopes to make payments to all such victims, but whether it will be able to will depend on the amount of money in the Fund and other factors. 

Learn more about victim payments from the Civil Penalty Fund
Product: Money transfer, virtual currency, or money service

I was on my way to work inside my car and tried to purchase an item that some XXXX men were selling T-shirts. I did not have the correct information to complete the report, and a XXXX  man snatched my phone, and by the time he gave it back to me, he had changed the dollar amount from {$20.00} to {$200.00}. I pulled my car over and reported it to the police, but he said he could not do anything and to go to the police station. I went today, and they were closed, but I filed online today. I called the company CashApp I was told to use their portal. I called my bank. The amount was {$200.00}, but I still have the shirt, so I lost {$180.00}.
Product: Student loan

I receive 7-9 calls a day but the final straw was on XXXX Sunday after XXXX. I called navient today to let them know they had done this and I was told by a rep named XXXX XXXX that nothing wrong was done. I was with my family enjoying food and on a holiday and was interrupted.
Product: Credit reporting or other personal consumer reports

Dear XXXX CFPB, LexisNexis has refused to send me a full file disclosure as per FCRA, after sending negative information to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX. I am requesting a copy of mt report, to correct inaccuracies immediately, and compensation for their flagrant violations of FCRA and the damages it has cause me in denial of services, including rentals, and higher premiums. 

On XX/XX/XXXX I received a second notice of their refusal to send me a report. After submitted a second request on their LexisNexis XXXX XXXX portal. They have a flagrant disregard for FCRA laws, and my rights under the law and continue to send inaccurate, negative information to XXXX XXXX XXXX XXXX twice, on XX/XX/XXXX, and XX/XX/XXXX, that have been negatively used against me, but I cant see to verify, and/or correct, because LexisNexis refuses XXXX give me a report. 

I am requesting a copy of my full credit report, the right to immediately correct any and all disputed incomplete or inaccurate information on the report, and compensation for their refusal to provide the report so that incomplete or inaccurate information could be corrected that caused me higher premiums, over thousands of dollars more, and/or denied services due to their refusal to provide me a copy of my credit report under FCRA. Thank you, Attached are : XXXX ) Screen shot of credit Experian showing LexisNexis sending negative information to XXXX XXXX XXXX XXXX twice, on XX/XX/XXXX, and XX/XX/XXXX, XXXX ) Letter from Lexis Nexis on XX/XX/XXXX refusing to give me my FCRA report. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my papal account. Im using my paypal account fir my online business since XXXX.my paypal account XXXX has stucked funds in it that i have to withdrawn asap fir emrgency porpuses. Im hoping that i will get my account back and able to withdraw my funds. Thank you and god bless
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute medical debt 's listed on my credit report, which should be removed immediately based on the new rules finalized by the Consumer Financial Protection Bureau ( CFPB Regulation V ). This rule, which took effect on XX/XX/2024, states that MEDICAL DEBT must be excluded and blocked from consumer credit reports. 

Per Docket Number XXXX, The Consumer Financial Protection Bureau XXXX CFPB ) has issued a final rule amending Regulation V, which implements the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681-1681x, concerning medical information. The FCRA prohibits creditors from considering medical information in credit eligibility determinations. The CFPB is removing a regulatory exception that had permitted creditors to obtain and use information on medical debts notwithstanding this statutory limitation. The final rule also provides that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using. 

After reviewing my credit report, I noticed that it includes medical debt that meets the criteria for removal under the law. You are in direct VIOLATION of this law per the CFPB and FCRA.I am requesting that these items be promptly REMOVED and BLOCKED from my credit report. 

Details of Medical Debt : 1. Medical Collection XXXX XXXXXXXX XXXX XXXX Account Number : XXXX The FCRA prohibits creditors and/or Collection agency 's from using and/or reporting ANY Medical Accounts, Information, on consumer reports. PLEASE REMOVE AND BLOCK THIS INFORMATION WITHIN 4 DAYS. 

XXXX. Medical Collection XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX The FCRA prohibits creditors and/or Collection agency 's from using and/or reporting ANY Medical Accounts, Information, on consumer reports. PLEASE REMOVE AND BLOCK THIS INFORMATION WITHIN 4 DAYS. 

This debt is a medical collection, and based on the new CFPB rule, I respectfully request that the entry be removed and clocked from my credit report. I have enclosed any relevant documentation and CFPB Complaint. 

Please investigate this matter and provide me with a written confirmation once the debt has been REMOVED and BLOCKED. If further documentation or clarification is required, please let me know. 

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

The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) protects personal financial information collected by consumer reporting agencies. The Act limits those who can access such infomation, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The FTC also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as " pretexting. '' A. The No Disclosure without Consent Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 

Account name XXXX Account number XXXX Original creditor - Company sold - Account type Installment account Date opened XX/XX/XXXX Open/closed Open Status Paid or paying as agreed Status updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Revolving account Date opened XXXX XXXX, XXXX Open/closed Closed Status Paid or paying as agreed Status updated XX/XX/XXXX Account name XXXX Account number XXXX Original creditor - Company sold - Account type Installment account Date opened XX/XX/XXXX Open/closed Closed Status Charged off as bad debt Status updated XX/XX/XXXX Account name XXXX  Account number XXXX Original creditor - Company sold - Account type Installment account Date opened XXXX XXXX, XXXX Open/closed Closed Status Payment after charge off / collection Status updated XX/XX/XXXX Account info Account name XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX sold - Account type Open account Date opened XX/XX/XXXX Status - Status updated XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my consumer credit report and I saw fraudulent and inaccurate inquiries. 

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. 
By definition Transunion has committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) as seen in the attached letter, all inquiries mentioned in attached letter must be removed
Product: Debt collection

[ XXXX XXXX ] [ XXXX XXXX XXXX, XXXX XXXX ] [ XXXX, XXXX ] [ XXXX XXXX ] [ XXXX XXXX ] [ XX/XX/year> ] Portfolio recovery Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Subject : Cease and Desist & Demand for Credit Removal Dear Portfolio Recovery I am writing to formally demand that you immediately cease and desist all collection activities and remove the inaccurate and/or unverifiable negative item ( s ) from my credit report. The item ( s ) in question are as follows : Pursuant to my rights under the state and federal debt collection laws, including the Fair Debt Collections Practices Act ( FDCPA ), I hereby request that you immediately cease and desist all oral and written communication with me, along with my family and friends, regarding any and all alleged debts you maintain I owe. 

Additionally, my employer prohibits me from receiving your calls or written correspondence at work, so please refrain from contacting my workplace in any manner as well. 

You are hereby notified that if you do not comply with this request, I will immediately file complaints with the Federal Trade Commission, the Consumer Financial Protection Bureau, the RI ] Attorney General 's Office, and other appropriate regulatory bodies. Civil claims may be pursued. 

Thank you for your cooperation in this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX  Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have a citi card with a 0 apr promotion that expires on XXXX XXXX XXXX. I made a payment of {$800.00} to pay off the balance so that I would not be charged all the back interest. My payment did not go to that promotion. XXXX from Florida informed me that my payment does not apply to the 0 apr. It will be applied to the purchases that incurred after the balance transfer. So on XXXX all the interest that would have incurred during the promotional period will be applied to my balance. Its not right. I really need advice on what to do. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts has reported on my credit file due to identity theft and absolutely no knowledge of mines therefore I'm asking them to be removed immediately in concert with the laws of the FCRA. I'm demanding these accounts be blocked, XXXX XXXX XXXX {$78.00}, XXXX XXXX {$720.00}, XXXX XXXX XXXX  {$300.00}, and XXXX XXXX XXXX {$91.00}
Product: Mortgage

Mr.CFPB I have been in conflict with Wells Fargo for the past 3 years. Due to bouts of unemployment and a divorce. I am now in arrears and default with my mortgage.To make matters worse. my mortgage payment was {$2800.00} monthly now somehow they have blown it up to {$3700.00} monthly with no clear explanation. There also have been several ( 6 ) attempts at a Trust Deed sale of my property. I have exhausted all my personal and 401k savings to keep them at bay. They have been very very unhelpful in modifying the terms of the loan ( particularly with the low rates now ) and to add insult to injury they are reporting late payments to the credit reporting agencies ( During the COVID-19 deferral period ) which is killing my XXXX score. Please! This is my home for the past 20 years. It would be tragic if I was unnecessarily stripped of this familial asset. It is the only thing that I would be able to pass on to my daughters and their children ... Thank you in advance for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Many complaints and certified letters to XXXX XXXX and Equifax requesting METHOD OF VERIFICATION of inaccurate information from XXXX XXXX. Attached is a Letter from XXXX XXXX Support Team requesting information from me that I believe is a mixed file. According to the FCRA I am entitled to a thorough fair investigation. The attachment supports that the 3 major CRAs and XXXXXXXX XXXX are not reporting and investigating disputes according to the guidelines of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : 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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit card

XX/XX/XXXX my email and XXXX account was hacked from the breach my login to XXXX was stolen. {$720.00} and {$190.00} was sent without my consent on XX/XX/XXXX. Then XX/XX/XXXX an additional {$510.00} was sent without consent. Due to heavy usage during XXXX and steady large usage on the card left the transactions overlooked. Then a larger fraudulent transaction was flagged and an investigation was conducted by a Certified Fraud Examiner. They identified these charges as fraudulent. Police reports were filed and these charges were reported as fraud. Discover despite a {$0.00} fraud liability reversed the charges then reissued them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent notices informing the credit reporting agency that the information they have on file is the result from identity thief, but they have refused to block the information and do a thorough investigation even though I sent a police report, reported from FTC and sent other correspondence to get this issue resolved. They have failed to remedy the matter and have not provided me of any documents which would verify why they would have these negative marks on my report which is causing economic harm. I have sent and recorded all correspondence that was sent certified mail for my record. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX  XXXX account # XXXX date opened XXXX account # XXXX date opened XXXX account # XXXX date opened XXXX address : XXXX XXXX XXXX XXXX, VA XXXX XXXX
Product: Debt collection

I disputed against any amounts due and owing to collection agency. I previously paid the XXXX underlying debts in full and provided proof of said payment to the collection agency. I disputed by letter on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I received no response. My lawyer sent a letter on XX/XX/XXXX and also received no response from the collection agency. The collection agency has provided no documentation authorizing an interest charge. My original debt invoice lacks any reference to interest as well as I never signed anything allowing for interest. The collection agency is trying to charge {$590.00} in interest. The collection agency is engaging in unfair and deceptive acts such as adding a collection fee which was not agreed to in writing nor verbal. Lack of documentation regarding the interest is a violation of the Fair Debt Collection Practices act and per se violation of the Alaska XXXX XXXX XXXX. In addition, the collection agency continues to violate my rights by providing false information to the three credit bureaus.