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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Subject : Request for Removal of Fraudulent Accounts Dear XXXX XXXX, XXXX, Equifax I am writing to inform you that I, XXXX XXXX, have been a victim of CPN ( Credit Profile Number ) theft. Multiple accounts have been opened, closed, and maintained in good standing without my authorization. I have no knowledge of the individuals responsible for these actions. My address was used but a forwarding address was submitted in connection with this scam. 

Below is a list of the fraudulent accounts that appear on my credit profile : 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 I have already contacted the local police, and I have been advised to file a complaint with the CFPD ( Consumer Financial Protection Bureau ). My CFPD complaint number is [ Insert CFPD Complaint Number ]. 

I have attempted to resolve this matter directly with your bureau, but I was informed that providing the CFPD complaint numbers is necessary. Therefore, I kindly request that you investigate these fraudulent accounts and remove them from my credit profile at the earliest convenience. 

Please find attached copies of relevant documentation, including the police report and any other supporting evidence. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation and assistance in resolving this identity theft issue. 

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

XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Over the past several months I have attempted to resolve this problem with XXXX in regard to a Bankruptcy that was matched to my Credit Profile. XXXX has ignored my disputes and have always responded that the information is verified. I have found that this is not true and that XXXX has continuously notated this account as verified. While doing some information I have found that LexisNexis Risk Solutions is the reseller of public record information to XXXX. On XXXX XXXX XXXX  I called LexisNexis and spoke with a representative to ask if there were any public records on my credit profile with them and if they provide bankruptcy information to XXXX. They confirmed that they do. The Representative from LexisNexis proceeded to file a manual internal dispute with XXXX in regard to the public record listed with them. On XXXX XXXX XXXX I received mail from LexisNexis that was dated XXXX XXXX XXXX giving me noticed that XXXX never responded to there dispute involving the reselling of the information that was false. I have found
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach.Other reviewing my credit reports I notice some accounts 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 information being exposed I have submitted a FTC complaint reporting the information i am not familiar with. 

Please find attached a copy of id the FTC complaint and copy of my XXXX report showing my information being exposed in a national databreach and Validation of debt letter.
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 XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  Account name : World Acceptance # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section A. States I have the right to privacy.

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: Debt collection

This phone number calls about 90 times in one month, three times a day every single day. They leave empty voicemail every single time, with no information about the debt or how to contact them, for forcing us to delete dozens of empty voicemails every week.
Product: Checking or savings account

please read the attached document that explains everything. This document was postal mailed to the CEO, since all my other attempts failed. I never got response from CEO and my acct was never fixed. 

When it is fixed, id like back interest starting the date of maturity. 

Note that I did get email responses to at least one of my faxes, so i know it was received. Ive also used this fax number previously to request acct actions. 

XXXX
Product: Debt collection

I was looking at my credit when I noticed a Capital One credit card opened XXXXXXXX XXXX XXXX  on if and I have never owned this Credit Card. I am a victim of Identity Theft and this has resulted in harm to my credit and has made it hard for me to apply for my own credit cards
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX .. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX, XXXX inquired on XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX  inquired on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Checking or savings account

On XX/XX/2019, I instructed a wire transfer to be sent to my Capital One checking account. When funds arrived, while marked as available, it was also marked as a " pending transactions ''. 

The " pending transaction '' label is misleading as wired transfer is complete once the wire " hits '' on the receiving bank 's end. The " pending transaction '' label creates an impression that this amount is still subject to additional bank review, as opposed to fully unencumbered. 

This is unacceptable especially as Capital One charged additional wire transfer fee for this capability. 

I request the CFPB ( and Federal Reserve and the OCC ) to compel Capital One to remediate this misrepresentation urgently.
Product: Credit reporting or other personal consumer reports

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant XXXX  and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Product: Student loan

I am interested in participating in and potentially expanding the CFPBs lawsuit against Navient Servicing. For five years, I participated in a ISRP with Navient. During that period ( from XXXX ) I made all payments on time, and annually certified my income and status as an employee with the State of Maryland. Navient annually confirmed my employment and my income, and collected all payments. After paying for five years, I discovered that Navient was not a qualified service to participate in the PSLF program. When I switched my loans to XXXX, I was struck over the similarity of the application process. There was basically no difference, except for a one page form provided by XXXX that merely sought signatures and consent. I was then easily enrolled in PSLF, and am 24 months in. My concern is that Navient, for years, offered an enrollment process that resembled the application process for the PSLF and in doing so, mislead me, and probably multiple customers/students to enroll and make multiple payments with Navient all while believing that they were paying towards the PSLF when in fact, no such credit was accruing. I believe Navients enrollment process was intentionally misleading, where they were aware of the PSLF and knew of my eligibility through the information they collected, but omitted providing any information to let me know that my payments were not building up PSLF credit. This process is designed to confuse customers. The only reason I figured out what they were doing is that I changed jobs within XXXX XXXX and wanted to confirm that they were aware of my new job and contact information. I learned soon thereafter that I had accrued XXXX credits in the PSLF and, was beginning at month one.
Product: Debt collection

I have a vehicle that was paid off and then sold, The bank is reporting it as repossessed which is false and they are threatning me with jail time, and it is hurting my credit..
Product: Checking or savings account

On XX/XX/2023 my wife and I went to the XXXX XXXXXXXX XXXX and XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX NC. We made a deposit of XXXX When I got home, I log into my account and I could see the deposit. On XX/XX/2023 I log into my account again and the deposit was gone. The account did not show a record of the deposit it only showed the XXXX withdrawal that made at the same time as the deposit. I called Chase Customer service after talking multiple people, I was told I need to go the branch where I made the deposit. I went the branch and spoke with the teller he remembered me and my wife and us making the deposit. I spoke with his supervisor she also remembered us. The supervisor went into the system and tried to find the deposit after a few minutes she asked me if I could sit down and she will continue to try and find a deposit. After about 30 minutes, she came to where I was sitting and said that she could not find the deposit and she could not find the check. She then asked me if I could wait till the end of the business day to see if she could find the deposit. Meanwhile, my wife called and spoke to the branch manager, which said that they would try and find the check had been sent to central district somewhere, and that the check was not lost. Where I come from if you dont know where something is there it is lost. I was led to believe that the sorting area where the check was sent to was a local XXXX finding out that it was out of state, and it will be days before they could even begin to look for the check. I am out of XXXX from where I can see because you dont know where the check is and the money is not out is not in my account. I was not given a timeline on when I should speak with the issuer sure about putting a stop payment on the check as a matter fact,
Product: Credit reporting or other personal consumer reports

someone open several loans with this company without my permission. I asked the credit bureau to removed these two bad accounts off my credit report, and they refused. even with the provided information that I had sent them.
Product: Mortgage

XXXX XXXX in the state of Georgia, sold my home mortgage to PennyMac way in California without informing me until after it was already done. I didnt have a choice in the matter despite my objections. Now, PennyMac has increased my fixed rate mortgage from {$1100.00} to {$1300.00}. They claimed the reason for the increase was due to my insurance. However when I asked PennyMac what was the amount of my insurance previously versus now, there was only a {$7.00} ( XXXX dollar ) difference? PennyMac failed to properly explain how a {$7.00} dollar difference could result in over a {$120.00} dollar monthly increase. PennyMac claimed that they had to charge me more money in order for my escrow account not to be delinquent by over {$1000.00}. I asked them how would I be in the hole by over a thousand dollars for only a XXXX dollar increase? They couldnt explain it to me in a way that made any sense. Ive had my insurance to slightly increase in the past, but it didnt result in such a dramatic difference in the cost of my mortgage like it is with PennyMac.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I contacted American Express by telephone on XX/XX/2020 and was told by the agent that she would call back on XX/XX/2020 to apply a credit to my account equal in value to the {$95.00} annual membership fee. I received an email subsequently from American Express on XX/XX/2020 to rate my satisfaction with the XX/XX/2020 phone call. 

Unfortunately, I never received the call on XX/XX/2020. When I called American Express on XX/XX/2020 I was told that they have a corporate policy that they would not waive or refund membership fees. They had no record of the XX/XX/2020 call. 

I am concerned that American Express is misrepresenting information to its customers and potentially committing fraud. Additionally, I am concerned that they do not have a record of my call.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I am writing to dispute an inaccurate charge-off that appears on my credit report. According to 15 U.S.C. 1681i, as part of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate, and the credit reporting agency is required to conduct a reasonable reinvestigation to verify the accuracy of the disputed information. 

Here is the relevant section of the law for your reference : 15 U.S.C. 1681i : This law mandates that credit reporting agencies must investigate and correct inaccurate or incomplete information on a consumers credit report within 30 days of receiving a dispute. 
In addition, the presence of this incorrect information also violates other consumer protection laws, including : 15 U.S. Code 6801 : Protection of personal information. 
15 U.S. Code 6802 : Obligations regarding the disclosure of personal information. 
15 U.S. Code 6803 : Disclosure of privacy policies. 
15 U.S. Code 1681e ( b ) : Accuracy of credit reports. 
15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports. 
18 U.S. Code 1028A : Aggravated identity theft. 
This charge-off is inaccurate and is causing significant damage to my credit report and financial standing. Therefore, I kindly request that TransUnion conduct an investigation and remove the charge-off from my credit report. 

To support my request, I have attached copies of my identification and proof of address. Once the correction has been made, please send me a copy of my updated credit report reflecting the removal of the inaccurate information. 

Thank you for your prompt attention and assistance in resolving this matter. 

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

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here is the bankruptcy that needs to be removed from my file : XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2013 Reference # : XXXX
Product: Checking or savings account

Dear XXXX I hope this message finds you well. I am writing to formally dispute the denial of my recent claim. Regarding a partial refund for the authorized transaction on my bank account. The denial letter dated XX/XX/2023 stated that my claim was denied due to the claim being authorized. I would like to provide additional information to support my claim and request a review of the decision. The transaction in question, which occurred in early XXXXXX/XX/2023, was authorized by me, and I believe it is a case of miscommunication. I stated that my transaction was authorized but not fully rendered. I requested a partial refund in this situation. I contacted the merchant on XX/XX/2023 and requested a refund and was told it was being investigated. I continued to hold out hope but failed and finally decided to file a dispute with the bank. I kindly request that you review my case thoroughly and reconsider the denial of my claim. The transaction has caused significant financial distress, and I am counting on your support to resolve this matter promptly. Please let me know the expected timeline for this review and any additional information or documents you XXXX require from me. I appreciate your attention to this matter and look forward to a prompt resolution. You can reach me at XXXX or XXXX if you require any further information. Thank you for your prompt assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

I disputed the information on my credit report in XX/XX/XXXX. The information came back incorrect on my credit reports, and the balances are different. I did not receive any documentation of the debt in question. The debt was reported in XXXX and is reaching the statue of limitation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased the vehicle and the end of my lease that ended XX/XX/2021. I have a receipt from the credit union showing paid in full on XX/XX/2021. However, Chrysler capital took XXXX weeks to process the payment after the XX/XX/2021 payment in full. After numerous attempts to talk to Chrysler capital they were rude, disrespectful and very inconsiderate. The last person I spoke with said I don't care about your credit report it's not my problem it destroyed your credit and I don't care what your score dropped to. We ( Chrysler capital ) received your payment on time but it took awhile to process everything and it's not our problem. My bank that contacted Chrysler capital tried to speak to them and my bank said wow they are the rudest and uncaring company they ever talked to. The bottom line is Chrysler capital is reporting late payments and the account was never late. I have provided proof of payment on time and the credit bureaus take Chrysler capital side and let them report incorrectly and false information. I don't understand why. Please help with this matter and remove the late payments from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquires being furnished on my consumer report
Product: Debt collection

Capio Partners is proposing that I owe a debt in the amount of {$530.00} to them from XXXX XXXX XXXX. I have tried to dispute this debt on multiple occasions and they're not sending the original contract with my signature on it.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I was told that there was going to be a soft credit check to qualify for a card on the site Wayfair. That was not the case. It was a hard, credit check I did not agree to this. They approve me for {$2000.00}. I am immediately told them to cancel the card. I did not want the card anymore since XXXX XXXX, send me an email stating that I had a hard credit check on my credit. I canceled the card within five minutes of being on the phone with the woman that I complained and complained why they were not being honest about what type of credit inquiry they were doing. I would like this hard check to be taken off please I did not get the credit card. I refused it. I did got approved for it but I dont want it. Please take the hard inquiry off my credit score. Thank you so much.