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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX ( in the amount of {$3000.00} ) 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amount of {$740.00} ) 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amounts of {$500.00} and {$580.00} ) 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  ( in the amount of {$220.00} ) 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( in the amount of {$120.00} ) 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ( in the amount of {$81.00} ) 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of significant concern regarding inaccuracies on my credit report, which has recently come to my attention during the process of attempting to purchase a car.

I believe these inaccuracies are in violation of the Fair Credit Reporting Act ( 15 U.S.C 1681 ). Upon reviewing my credit report, I discovered several pieces of information that are incorrect and do not accurately reflect my credit history. These inaccuracies have adversely affected my creditworthiness and, consequently, my ability to secure favorable financing terms for the car purchase.

I have attached a copy of my credit report highlighting the discrepancies for your reference. I would like to draw your attention to 15 U.S.C 1681, which mandates the accurate reporting of consumer credit information. I believe that the discrepancies on my credit report are in violation of this law, and I kindly request your assistance in investigating and rectifying this matter. Please see below whats reporting on XXXX, XXXX, And transunion. 

XXXX {$780.00} XXXXXXXX XXXX XXXXXXXX {$760.00} XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$2300.00} Enclosed with this letter, please find copies of the following documents for your review and investigation : 1. A copy of my credit report. Identity theft affidavit, and police report.

2. Any supporting documentation that verifies the correct information.

I kindly request that the Consumer Financial Protection Bureau undertake a thorough investigation into this matter, ensuring that the credit reporting agencies comply with the provisions of the Fair Credit Reporting Act. 

Your prompt attention to this matter is greatly appreciated, as it has direct and immediate implications for my financial well-being. I look forward to a swift resolution and a correction of the inaccuracies on my credit report. 

Thank you for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally submitted a complaint with CFPB regarding LexisNexis listing the wrong case number in their database for my Chapter XXXX Bankruptcy. This information was being reported incorrectly to the XXXX major bureau XXXXXX/XX/XXXX XX/XX/XXXXand XX/XX/XXXX. I also requested a security freeze placed on my file with instructions for them to not disclose information to the bureaus which they didnt honor. 

I received the results of their investigation on XX/XX/2020 in which LexisNexis stated they verified case number XXXX as being correct through XX/XX/XXXX. After this i went direct to that database and search in their system under that case number XXXX, and through my due diligence that number return multiple case files not matching my CH. XXXX BK. Only after typing in the correct case number as supplied on my court documents sent to me by the courts and the attorney was able to pull the right file. 

I advise LexisNexis of this in the last investigation that the case number XXXX isnt the correct sequence to pull my case in public record, yet they refuse to due the proper due diligence correctly. The reason why this is important to show the accurate case number to search is because under the case number XXXX which LexisNexis says is correct in that order ( which it isnt ) will pull multiple other file cases that can potentially pull their negative information onto my records. That can cause devastating affects to my file and hinder me from being able to secure credit, financing and potentially residency. I have included documents to show proof
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to get my Transunion credit report. Their website only shows the report if you are a subscribed user ( almost {$30.00} mo. ). They direct you to https : XXXX  to request it. 
I tried and this site mentions there was a problem. When I retried the page says I already requested my report and I need to wait 7 days.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Debt or credit management

Second complaint on Equafax 's failure to send my credit report and freeze credit. Problem not addressed. Received a 3rd letter asking for the same information I have already sent 2 times. This was after my 1st complaint to XXXX. I was never informed my info was breeched, which it obviously was. What legal action can I take against Equafax? Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$270.00} XXXX XXXX XXXX {$5100.00} XXXX  XXXX : {$6200.00} XXXX XXXX : {$4600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Credit card or prepaid card

I got a Paypal Mastercard ( from Synchrony Bank ) at the end of XXXX ( 2 months ago ), solely because of their attractive cashback program. Last week, when the card was suddenly declined, I discovered that Synchrony had closed the card due to me being " an extreme credit risk '', which was a fraudulent act to begin with. I am the farthest thing from an extreme credit risk - not only did the card only have a $ XXXX limit, the paypal account it was attached to had usually had $ 20k-40k in it for at least a decade now. And in my credit history the payment history on my last card was $ 20k- $ 40k a month paid in full without fail for at least a decade now. My credit rating is typically around 700.

Since it happened so quick, it's obvious that they're doing a monthly review of cashback accounts, finding the ones that are costing them money ( like me ), and then closing them under false pretenses. Complete cheating and false advertising, maybe not XXXX XXXX level but seems to me to be same concept. 

so I was going to file a complaint about this anyhow, as the research I did about Synchrony Bank ahead of time had a strong " caveat emptor '' flavor to it and people like this need to be exposed. 

BUT, it got worse - yesterday I went to pay off my remaining balance, partially using the {$700.00} in cash back credit I had built up in the last 2 months, but lo and behold, the cash back credit ( the only reason I got this card ) is gone. A quick call to Synchrony revealed that card terms include forfeiting any accumulated cash back if the account is closed for any reason. I've attached a screenshot of the cashback rewards summary on the paypal site- {$0.00} available, but a lifetime ( last two months ) of {$690.00} that I was not able so use until they revoked it. 

so there's your fraud, wrapped up in a neat bow - I got a card because of the cashback offer, I use it too well so they close the account for a fraudulent reason, and they then proceed to confiscate the rewards they gave me for using the cashback program. If that's not a scam then I don't know what is. 

I am 100 % willing to participate in any kind of class action suit or mass complaint against this company - obviously they're not going to stop misleading consumers unless there is some kind of tangible disincentive.
Product: Debt collection

At XXXX on XXXX, XXXX, 2023 I received a robocall - an auto-dialer and recorded message - from LJ Ross Associates XXXX I was then connected with an individual who explained that the call was recorded and an attempt to collect a debt. 

My understanding is that using robocalls in the pursuit of a debt is illegal without express written consent.
Product: Credit card or prepaid card

On XX/XX/2022 I applied for the CitiBank Costco XXXX card and was denied due to : - Delinquency - Too Many Hard Inquiries - Insufficient Accounts - No credit Available The decline letter stated this information was acquired from XXXX Credit Information Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$49.00} XXXX XXXX XXXX XXXX
Product: Credit card

Earlier this year I was invited to switch my XXXX  card info, but it has not occurred
Product: Credit card or prepaid card

Discover has a habit of false advertising. They have refused to resolve a fraudulent monthy recurring charge from someone called " XXXX XXXX ''. They are fraudulently charging me XXXX each month. I have contacted both XXXX and Discover to dispute this and get no help. I have cancelled my card to stop the recurring charge and Discover simply moves it to the new account number. This matter goes back several years now. They owe me at least XXXX years of charges at XXXX per month. I have stopped using my Discover card as a result and am giving my business to my other credit cards.
Product: Credit card

On XX/XX/2024 a charge of {$34.00} appeared from a company called XXXX XXXX. My research showed this company to be in XXXX. 
As we left XXXX, XXXX ( nowhere near where XXXX is located ), on XX/XX/XXXX on flight going via XXXX to XXXX, France, it was physically impossible for either me or the other authorized card user to have made this purchase. 
Capitol 1 XXXX XXXX denied the claim saying I was responsible as Im still in possession of the card. A new has been ordered, however.
Product: Credit card or prepaid card

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2012 with a balance of {$39000.00}.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Clerical error by XXXX XXXX  : It appears there was a clerical error in how XXXX XXXX  processed the payments. Despite making the payment on time, the account was incorrectly marked as overdue. I provided bank statements and payment receipts showing that the payments were processed. 
Evidence provided : I attached transaction records from my bank verifying that the payments were made on time, well before the XXXX delinquency threshold. I also included copies of emails from XXXX XXXX  confirming that no delinquency notice was sent to me. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a fraudulent charge on my account form XXXX  online for {$230.00} on XX/XX/2021 I file a dispute the same day describing my account is fraudulently charged and I was told there will be a credit but on the letter they sent me XXXX XXXX the transaction was not billed and they closed my dispute on the contrary they charge me for the same amount {$230.00} I would like to get the fraudulent charge off my account specially the customer service personnel I talk to XXXX and his supervisor XXXX were very rude and lack knowledge even if I waited for a month without resolution they want me wait another month
Product: Mortgage

I have a duplex in XXXX Connecticut that is mortgaged by PennyMac mortgage co. I have insurance on that property from XXXX XXXX XXXX. Every few months I get a letter saying I don't have insurance. I call them, they say oh I see the issue we will fix it. They tell me its fixed and it never is. I have tried to deal with this at least 10 times over 3 years. Each time I'm told its resolved and a few months later it happens again. They have even purchased insurance on my behalf out of my escrow fund even though I have shown time and time again the issue is on their end. Most recently, they just didn't pay my premium causing my insurance company to drop coverage. Now my property isn't covered and I may end up paying more for insurance. I can not keep doing this. I pay my mortgage, I have insurance, I feel like I'm being harassed!! Please help me!
Product: Credit card

After having been a victim of ID theft, Home Depot Credit ( CITI ) closed my account without authorization, and after reading terms and condtions this is not a disclosed action that they commited. I have been a longstanding client with perfect pay history for over XXXX years. the issue is that this is not something that their terms and conditions disclose can be done, and therefor i would like my account reopened
Product: Checking or savings account

Accounts opened in my name that I never applied for. Identity fraud. The companies that I know of are contacted and they closed the accounts. BUT obviously my information is being used to open accounts. I did freeze my credit with the three bureaus, but I am reporting to you for follow up on how these accounts could be opened. And with Checking/Savings federal law requires identity to be verified and I wonder how that was legally done? 
XXXX Capitol One On the flip side, XXXX XXXX sent me a letter saying an account was attempted to be opened in my name but THEY couldn't verify it so it was not opened. Interesting that one bank did its due diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. On  XXXX   XXXX ,  XXXX  I learned my former CFO was using my " signature stamp '' to open accounts for her benefit. The past employee also used my current credit cards to buy vendor supplies when she opened her own roofing company.     She was immediately terminated. We called the police department.  XXXX  police reports were made. Report  Number   XXXX  and Report  Number   XXXX .     Our former CFO plead guilty to theft/embezzlement in  XXXX . She was sentenced in  XXXX  days in prison on  XXXX / XXXX / XXXX .     It 's been a battle to remove " theft accounts '' from my credit report. All has been removed except EQUIFA X INFORMATION SERVICES . Equifax refuses to remove  XXXX  accounts.  XXXX   XXXX    XXXX   XXXX   for {$16000.00} and additional  XXXX   XXXX    XXXX   XXXX   for {$12000.00}.     I have contacted Equifax 4 times to remove and they refuse to do so.
Product: Mortgage

I have XXXX XXXX and struggle every day trying to process information. Working with Wells Fargo to resolve issues with our XXXX Wachovia/Wells Fargo HELOC has been difficult. The last written reply dated XX/XX/XXXX required approximately 2 months to research. However, the research was based on an error by Wells Fargo ( used XXXX instead of XXXX statement ). Furthermore, Wells Fargo maintained that the account was handled correctly, no action is needed since NO ERRORS occurred. Their continued deceptive practices have made it impossible for me to understand. My wife spent countless hours and identified several errors in EVERY RESPONSE since  XX/XX/XXXX. Attached are the errors identified by my wife in their account statements and Recalculation of Interest table. The written responses speak for themselves. These customer care and recovery specialist skill levels are highly questionable. No effort was made to help us when physically speaking to a WF staff regarding my XXXX and difficulty understanding their response and monthly account statement.
Product: Credit reporting or other personal consumer reports

This are unauthorized inquiries 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 XXXXXXXX XX/XX/XXXX
Product: Bank account or service

Someone I do n't know was able to get my checking account number and opened a XXXX account with it, charging over {$1000.00}. Once I noticed the charges ( within 60 days of receiving my bank statement ), I filed claims with my bank and XXXX, made a police report, and contacted the Federal Trade Commission. My bank would only give me back a portion of the money and refuses to reimburse me the remaining {$570.00}.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the persistent challenges I have encountered while attempting to remove multiple fraudulent items from my credit file. Despite my ongoing efforts to rectify this matter, these fraudulent items continue to negatively impact my financial stability and creditworthiness. 

Despite my persistent and diligent efforts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, these fraudulent items persist on my credit file, causing significant financial hardship and impeding my ability to secure credit and financial opportunities. 

I respectfully request the following actions to be taken promptly : A comprehensive and immediate investigation into the fraudulent items in question, including thorough validation of their accuracy with the creditors. 

If the items are found to be fraudulent, their immediate removal from my credit file. 

A written acknowledgment from your agency confirming the correction of my credit file once the issue has been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to address this complaint with the utmost urgency. Timely resolution of such issues is crucial for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify this situation promptly. 

Please acknowledge receipt of this complaint in writing within the exact timeframe and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX SXXXX XXXXXXXX Balance Owed : {$150.00} ; XXXXXXXX XXXX XX/XX/2020 ; XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX.