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

In accordance with the Fair Credit Reporting Act, I respectfully asked the bureaus to investigate my claim and, if after your investigation they find my claim to be valid and accurate, I ask that they immediately delete the unauthorized inquiries outlined Furthermore, I asked that the bureaus send a corrected copy of my credit profile to me at the address I PROVIDED on letters sent. I explained to the bureaus By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.I KNOW the bureaus have a duty in accordance to the fair credit act to report true and accurate information on consumers report .That has n't been the case .It appears these bureaus are more out to receive money from these companies and XXXX consumers. 
I know for a fact that my account was compromised by THE XXXX BREECH .I had XXXX inquires as of XX/XX/XXXX -XXXX 2017 all  of a sudden old unauthorized inquires that had been disputed and removed reappeared along with some new inquires. I have so many unauthorized & UNKNOWN inquires REPORTING on all 3 of my consumer reports. I had names that was n't mine, debt, accounts and addresses that was removed because they was reporting on my credit but not mine. I sent letters to ever last company on my file that is reporting these inquires i do n't authorize and have no knowledge of .NOT ONE HAS RESPONED .I SENT 3 LETTERS TO THE BUREAS ASKING THEM TO INVESTIGATE THESE unknown and unauthorized inquires. I also called and was told to dispute it with creditors in which i did and received no reply .It amazes me how these bureaus can allow people to use your information without your knowledge but want help consumers by protecting our information from these companies and etc. PLEASE HELP ME TO MAKE THESE BUREAUS FOLLOW THE LAW AND NOT KEEP SCREWING CONSUMERS LIKE MYSELF
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion  File # XXXX Date XX/XX/2018 Personal Information : XXXX XXXX XXXX XXXX I have not ever used to obtain credit. I need for TransUnion to provide documented proof of this such name was or used for any type of credit.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX Balance : {$0.00} XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided all identification that you guys requested for my security freeze down below pdf
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX finance are committing auto dealer fraud and I have reported this to my states attorney general office. I purchased a vehicle from XXXX and was financed through a company called XXXX XXXX 30 days later westlake resend the loan and XXXX assumed the loan without my written consent. XXXX changed the terms as well as forged my signature using an electronic signature. All of this was without my consent. I am not liable for a loan I didnt sign or have any knowledge of
Product: Credit reporting, credit repair services, 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. 
XXXX : # 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 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: Checking or savings account

I opened my account online with Chase on XX/XX/XXXX of this year. Chase sent me two emails one indicating I was still eligible for my direct deposit bonus which I had direct deposit setup but had to cancel prior to the first deposit since they had sent me a letter stating they can't verify who I am. This letter was received two days ago on XX/XX/XXXX of this year. I had {$100.00} transferred from another account into my Chase account, when I attempted to withdraw the funds is the card was active and there was no problem obtaining balance information, when I called customer service they indicated that there's fraud on my account and I have to drive to XXXX XXXX XXXXXXXX to a local branch to give them my ID. My issue is two things first I was never asked nor ever sent an email phone call text anything asking me for proof of my address or proof of who I am I have at least three or four pieces of information that could identify my address as well as my person this was never requested. Now the problem is Chase accepted my deposit and they're refusing to disperse my funds I indicated to the representative it's a legal to hold somebody's funds if they don't have an account with you it's not interest bearing and you guys are collecting interest on it that is against the law. She put me on hold to see what she can do and after 20 minutes my lunch was over I didn't have enough time to sit and wait for them for an hour. So it's a twofold my direct deposit was to be set up and I was to receive a {$220.00} bonus upon the first direct deposit. The {$100.00} deposit was received and credited yet they're holding that for ransom, please help.
Product: Credit reporting or other personal consumer reports

CONSUMER NAME : XXXX XXXX XXXX DOB : XXXX CONSUMER SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of various loans account from 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. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am sending you a letter regarding the errors and mistakes that I have found on my credit report. These mistakes that you are reporting are affecting my character and reputation as a consumer. 

For TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX For XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX For XXXX : XXXX XXXX XXXX XXXX XXXX ( Original CreditoXXXX  : XXXX XXXX XXXX ) XXXX
Product: Credit card

On my Chevron Texaco card I have XXXX balances, XXXX for purchases and XXXX for cash advances at a higher interest rate. I called because I wanted to pay my minimum and to make an additional payment to pay off my cash advance and was told I ca n't do that. In order to pay off my cash advance I have to pay off the purchases portion first. This seems wrong to me. I would never have used the cash advance feature if I had known this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XX/XX/, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

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

XXXX and XXXX  will not remove this account that is over 7 years old the company say they have no control over how long it stay on my report then they say they dont even show me having an account with them. I want united credit auto removed from my credit report
Product: Checking or savings account

I filled a dispute on XX/XX/XXXX because I returned some products to XXXX and havent received a refund in a month. Was told I would receive a provisional credit and now when I called on XX/XX/XXXX to check on this dispute I am being told that credit is not guaranteed. Even if it takes longer than XXXX days. 

The rep on your phone call even tried blaming me for this mixup and confusion.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the XXXX  they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status. 

According to the XXXX this is tax fraud and I am not afraid to report you for this. As is my right, I am demanding that you DELETE this inaccurate information from my credit report and demand you to send me a copy of the XXXX to the address above or via email. 

Your agency has violated the maximum possible accuracy law under the Fair Credit Reporting Act ( FCRA ) which is XXXX XXXX XXXXXXXX XXXX XXXX XXXX as you are clearly reporting information that is NOT XXXX % accurate. Should you continue to report this information, this leads to you violating XXXX XXXX XXXX, because you now have reasonable cause to believe the information is inaccurate, so you would WILLFULLY continue to violate various federal laws by continuing to report this information thats harming my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an issue with Capital One, whom I been banking with for over 12 years. I have never in my life ever been late on any payment with any bank. On XX/XX/XXXX I had called Capital One to be put into the COVID deferment program, as I did with all my other banks due to hardship in income. I trusted the agent or agents I spoke with regarding the COVID deferment program. I was supposed to be extended to not pay my XX/XX/XXXX or XX/XX/XXXX statement. I had spoken with several agents to verify this information. 

On the XX/XX/XXXXof every month is when my payment is due. On XX/XX/XXXX I called and spoke with an agent as she said my account was outstanding. I explained that I'm on the COVID deferment program and did not have to pay until XX/XX/XXXX. She then on her system extended and it will not affect my credit as I was on the COVID assistance deferment, it will reset my statement due date. So I do not pay XX/XX/XXXX statement and when I check my account in the first week of XX/XX/XXXX, I noticed I was charged another late fee! I putting my faith and trust into this agent and I see 2 late fees one for XX/XX/XXXX and one for XX/XX/XXXX, thinking I had COVID assistance program cover me for these 2 months. I check my credit report and Capital One reported this misinformation and ruined my credit by over 60 points negatively impacted! Not only this but this was also my business credit card, which impacted as well my business area! 

I spoke a supervisor, named XXXX with her employee ID : XXXX. She promised me with a solution and an investigation. Case Number -  XXXX. She waived one late fee of {$39.00}, but have yet to receive my other late fee waived for month of XX/XX/XXXX as well. I have yet to hear any resolution and I'm on the verge of receiving my business loan from SBA and this negative impact has caused me to be rejected as well! I'm very disappointed with Capital One, as a consumer putting my trust in this company with long standing positive and 100 % on time payments with this company and thus ruining my credit, not only personal but also my business credit and in these hard times ruining my chances to receive my SBA loan! I demand this to be corrected as this will ruin my relationship with Capital One for falsely negatively reporting my account when I was on the COVID assistance program putting my faith in this company.
Product: Debt collection

The company reported an amount to the credit bureau that is not consistent with my records. It also shows two separate amount of which I do not believe I owe.
Product: Credit card

I contacted XXXX XXXX last week to notify them that I was disputing the {$150.00} charge that posted on XX/XX/2024. The charge shows XXXX XXXX XXXX XXXX This is being disputed because this alleged apartment community is a scam. There is no apartments available and they are a full ponzi scheme in XXXX, XXXX. I spoke to a rep on the phone and she stated it would be forwarded to the dispute team but yet there is nothing updated online. 

I will not pay this charge. XXXX is committing fraud on a massive scale and they have been reported for it.
Product: Credit card or prepaid card

In XXXX of XXXX I reported fraud charges to the Aspire credit card. They closed the account and sent me new card. Initially the credited the fraud charges however come XX/XX/XXXX they put those charges back on my credit card saying I owe all charges. 

XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX charge {$28.00} XXXX XX/XX/XXXX charge {$62.00} XXXX XXXXXX/XX/XXXX charge {$51.00} XXXX XXXX - XXXX XX/XX/XXXX charge {$63.00} XXXX XXXX XXXX XX/XX/XXXX charge {$42.00} XXXX XX/XX/XXXX charge {$75.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

AES XXXX XXXX XXXX : Posted a Charge off to my credit reports, however it isn't my account, and the contract that they provided upon request doesn't match my social security number. Please remove this ASAP.
Product: Debt collection

I was checking my XXXX credit report and found they placed a bad credit on my account Security Credit services. Said it was a lease agreement. I haven't had a lease agreement in more than XXXX XXXX. They stated it was for XXXX or somewhere in that area. I ask in my dispute for signature or contract or anything saying I signed and received what ever they say I leased. I had my card hit several times this year.they didn't even contact me to see if it was mine. I didn't even get a contrac
Product: Credit reporting or other personal consumer reports

Complaint Against Portfolio Recovery for Failure to Respond to Debt Validation Letter Dear Sir/Madam, I am writing to file a formal complaint against Portfolio Recovery for their failure to respond to my debt validation letter dated XX/XX/2024. Despite my explicit request for verification of the debt, Portfolio Recovery has neglected to provide the necessary documentation within the legally mandated timeframe. 

As outlined in my original correspondence, I provided Portfolio Recovery with ample opportunity to furnish the supporting documents and probable evidence regarding the alleged debt referenced by account number XXXX. However, despite the passage of more than XXXX days from the date of my initial letter, Portfolio Recovery has failed to comply with federal laws governing debt validation. 

Their willful negligence in addressing my concerns not only violates my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practice Act but also exacerbates the financial distress and emotional burden I have endured due to this unresolved matter. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that Portfolio Recovery fulfills its obligations under the law. Additionally, I request that the Bureau notify me of any updates or resolutions regarding this complaint. 
The debt collector is in clear violation of the federal laws listed : 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1692b 804. Acquisition of location information, 15 USC 1692c 805. Communication in connection with debt collection, 15 USC 1692d 806. Harassment or abuse, 15 USC 1692e 807. False or misleading representations, 15 USC 1692f 808. Unfair practices, 15 USC 1692g 809. Validation of debts, 15 USC 1692i 811. Legal actions by debt collectors, 15 USC 1692j 812. Furnishing certain deceptive formsand shall be held liable under penalties of the state pursuant to 15 USC 1692k 813. Civil liability, 15 U.S. Code 1681n - Civil liability for willful noncompliance, 15 U.S. Code 1681o - Civil liability for negligent noncompliance. 


FDCPA 809 ( b ), 15 USC 1692d 806, 15 USC 1692c, 805, FCRA 15 U.S.C. 1681c, 15 U.S.C. 1681e, 15 U.S.C. 1681i, 15 U.S.C. 1681n, and 15 U.S.C. 1681o, has resulted in significant harm to my financial well-being and reputation. 



Please find enclosed a copy of my original debt validation letter sent to Portfolio Recovery for your reference. 

Thank you for your attention to this matter.
Product: Credit card

I was charged agregious fees by a rental car company. I disputed the charges with the credit card. The credit card 's dispute resolution team requested illogical documentation. They would not carry on the dispute unless I provided an invoice from the car rental company with showing the amount I argued was correct. In other words, the only way the credit card company would take on the dispute was if the rental car company agreed apriori the fees were incorrectly charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to misreporting information, The inaccuracies should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. I want you to correct this misinformation on my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On or about mid XXXX I checked my account on PNC 's banking website. I found 3 UNAUTHORIZED transfers had been paid out to a " XXXXXXXX XXXX Web Transfer. XXXX XXXX {$1900.00}, XX/XX/XXXX {$2000.00}, and again on XX/XX/XXXX {$1000.00} for a total of {$4900.00}. I called PNC bank only to find out they were closed until the Next Monday. I called on Monday and froze my account which was now down to {$1100.00}. The bank manager tried to help and set me up with PNC higher ups who twice denied my claim basically saying it was I who authorized these transaction which I DID NOT. I signed PNC paperwork to that effect. I have tried all other avenues that I possible could to resolve this issue with no results. I am thinking you are my last hope of recovering my missing funds. My last contact with PNC was with XXXX XXXX at XXXX. I do have some copies of paperwork from PNC, but I am old and not computer savvy and am unable to attach. Your help in resolving this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to freeze my credit with TransUnion, but their website TransUnion.com/XXXX is blatantly advertising their credit monitoring service there, and makes the actual links to get to the page to freeze your credit very hard to find. Specifically, the link is at the very bottom in step 5 under " About credit freeze '' AFTER they suggest a lock by enrolling in their paid subscription service. This is a blatant attempt to financially take advantage of consumers in the wake of the XXXX breach. I did not fall for this trick, and personally need no resolution. However I want to report them for dishonest and unethical behavior in the hopes that they will make their credit freeze page straightforward and not deceptive.
Product: Vehicle loan or lease

I turned in my vehicle on XX/XX/2021 to the dealership, and received a letter from Ally Financial on XX/XX/2021 confirming that the account was settled. I subsequently received a bill from the California DMV for registration for the year starting XX/XX/2021. I ignored the notice, figuring the car was now back in Ally 's hands. When I received a second DMV notice, I sent correspondence to DMV, called the dealership and Ally, and was assured it was just a delay in processing title. I have now received yet another notice from California DMV threatening wage garnishment due to the registration fees for a vehicle I no longer own. I have spent hours attempting to reach a responsible party at Ally, and have been mis-transferred, disconnected, or simply left on hold for hours on end. Ally had me call what the agent called " title department '' on XXXX, and I was told this was Ally 's responsibility, not theirs. Ally 's cavalier handling of the matter is irresponsible and offensive. I suspect Ally 's " incompetence '' is in fact a scheme to get me to pay for their registration on their vehicle - this seems like an outright scam.
Product: Vehicle loan or lease

i just received my credit report and noticed unauthorized items that shouldnt be on my credit profile. These have been tough times during this covid 19 pandemic. Im in need of assistance