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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ( XXXX ) XXXX XX/XX/year> Experian Information Solutions XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Equifax Information Services, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Immediate Removal of Fraudulent Accounts Due to Data Breach Under FCRA Compliance Dear Experian and Equifax Dispute Departments, I am writing to formally dispute fraudulent accounts appearing on my credit report as a result of a data breach. It has come to my attention that my personal information was compromised due to the recent security failures at your agencies. Under the Fair Credit Reporting Act ( FCRA ), I demand the immediate and permanent removal of these accounts. 

The fraudulent accounts on my credit report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the FCRA ( 15 U.S.C. 1681c-2 ), I have the right to request the blocking of fraudulent information resulting from identity theft or data breaches. Additionally, per 15 U.S.C. 1681i, you are required to : Conduct a reasonable reinvestigation within 30 days.

Provide all relevant dispute information and supporting documents to the data furnisher. 

Correct or delete inaccurate, incomplete, or unverifiable information. 

Provide clear, written results of the reinvestigation, specifying any updates made. 

Furthermore, under 15 U.S.C. 1681s-2 ( b ), furnishers of inaccurate information must correct or delete disputed accounts. Failure to do so violates federal law.

Given the recent lawsuits against your agencies and the severity of this matter, I demand the permanent removal of these fraudulent accounts within five ( 5 ) business days. Failure to comply will leave me with no choice but to escalate this matter legally through formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

Please provide me with written confirmation of the removal and an updated credit report reflecting these changes. I expect full compliance with the FCRA within the specified time frame. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX : App filled out for vehicle loan for XXXX ( owned by VW ) at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Phone XXXX. 

Left dealership after receiving numbers for loan. Spoke with sales but not finance. Did not initial or sign with finance. Numbers run for specific model but had not decided on specific model. Was told by sales associate 'it could be adjusted later '. 

XX/XX/XXXX : Received credit denial from XXXX XXXX with credit hit and denial for 'Lack of Down Payment '. App number : XXXX. XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. Phone : XXXX Received no call between dates to ask whether I would be returning for vehicle. 

Left message for VW XX/XX/XXXX. 

Spoke with finance officer at dealership who became abusive when asked for reason for discrepancy in app paperwork fill out and submission. Stated app was finished. I never spoke with the finance officer, only a sales associate. Finance submitted app after period of 2 and half weeks with no contacts from dealer. I never signed the additional legal from the finance office. Finance officer when asked about this stated it was done 'to teach me a lesson '.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent : XXXX XXXX {$290.00} XXXX XXXX {$190.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$3100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANS UNION XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so perplexed and doubtful about this situation. I have no idea what is going on over there at the CFPB. I have submitted the same complaints multiple times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hopefully you are going to take steps this time. Experian has not acted in accordance with the Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I need these accounts blocked/removed from my credit file per FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I went to XXXX on vacation on XX/XX/2024. While there a charge was posted to my Citi credit card. This was on XX/XX/2024 for {$910.00} ( XXXX ) from a company called XXXX in XXXX XXXX XXXX XXXX I was in XXXX, XXXX this day and was on group tour. When we came home I checked my credit card statement and found this fraudulent charge on my card. I immediately called Citi and disputed this charge on XX/XX/2024. They opened a dispute. Then on XX/XX/2024 they text me to call them to discuss this matter. I called immediately to speak with them. They asked some questions about the bill and other charges on my card. They said that this card was present to make this charge and I said it was with me the whole time. I never gave card to anyone which they accused me of doing. They stated they will issue new card. On XX/XX/2024, they contacted me again by text with number. Did not use this number, but one on back of card. When calling back we got XXXX security department who kept on insisting that this card has a chip only to the card that we have and no one else can use it. But we never gave it out. All she kept saying it showed the card was present. After phone call completed, received another call from fraud departemnt and asked if all questions were answered. We did and they hung up. On XX/XX/2024, I looked at my statement online and saw the charge was back on. I called back and spoke with XXXX ( XX/XX/2024 ) Fraud dept. and she said that the investigation was over. I asked where was the signed receipt I requested on XX/XX/2024 by e-mail and she had no knowledge of e-mail and could not produce it. They have no evidence that I made this charge. All they keep saying is card was present and I have to pay. I have no merchandise for this charge and they can't produce evidence.. Researching the company on line, I found they dissolved on XX/XX/2024. I can not understand how Citi can not find this information since it is on them with their fraud department to keep me safe from fraud.
Product: Mortgage

Chase bought our existing mortgage from XXXX. XXXX bought our loan from our original mortgage company. XXXX started to illegally charge us Private Mortgage INsurance ( PMI ), which our original loan never had. We were in the process of having XXXX stop illegally charging us PMI, when they sold our loan to Chase. I called and emailed Chase to have them look at our original loan and HUD-1, which does not list any PMI. We also noticed that original HUD-1 was never signed by us, and our original closing documents do not list any PMI. our HUD-1 and all our copies of our closing documents do not list any PMI, since we put down the amount the original load company requested in order not to have any PMI.
Product: Mortgage

I am constantly receiving information regarding foreclosure and advising me that I am late on my loan. This week alone I received 4 packets regarding loan modification and I did not request anything. I've asked citizens to inquire and stop this especially during this COVID19.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with Equifax to clear all inaccurate information on my file that is incorrect. this has hurt my credit report an needs to be fixed asap. please review an remove all invalid data to help clean my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and my social is XXXX. I've now called Equifax'es call center at least five times to resolve an NH ( no history ) code that prevents me or anyone else from being able to pull my credit report and scores. I searched for this code on XXXX and it appears that this is related to a credit report freeze and fraud alert that's keeping my information from reporting. I've faxed them all of the information that's required to lift the freeze five times now with confirmation and they have acknowledged several times that the freeze was being lifted and it's been over a month. I am hoping that you can help me resolve this issue because it's legitimately keeping me from buying a house.
Product: Credit card or prepaid card

CapitalOne has assessed fees and fines on my credit card account that are in error. I have on a number of occasions spoken with numerous representatives in the Disputes Department regarding this issue, as well as providing evidence to the Bank that it is responsible for the error that has led to the present state of affairs, and requested that the Bank correct the situation, all to no avail. This situation began when I attempted to place into dispute a {$49.00} charge made by the merchant XXXX on XX/XX/XXXX. I subsequently paid the renainder of the statement balance in full. However, the Bank made an error when it placed another charge from another date in dispute ( please see attached document- {$100.00} charged on XX/XX/XXXX ). It thus appeared to the Bank that I did not pay my credit card statement in full, thus initiating subsequent late fees and interest charges. The Bank has refused to take any corrective action. I thus seek the assistance of the CFPB in getting CapitalOne to take responsibility for its ' error and to waive all outstanding fees on my account.
Product: Debt collection

They said we provide this number to them to my work were they obtained my work cell number that is not even my personal. Which we didnt give them or authorize this. They were extremely rude when I tried to verify that this was fraudulent as well. They also called my in laws as well. They also told my husband that we were just trying to get out of pay this which is not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax Credit Report shows an account from " XXXX XXXX '' that was allegedly opened on XX/XX/XXXX, with a balance due of {$5800.00}, and was charged off on XX/XX/XXXX. I have disputed this account myself on multiple occasions with both XXXX XXXX XXXX XXXX, and Equifax. The account previously appeared on XXXX   and XXXX  ; however, when I disputed it, they removed the account. XXXX  has not removed the account and has not reported my dispute as required by law. 

I have never had a credit card with XXXX  or XXXX XXXX XXXX XXXX. I am presently an authorized user on my mother 's credit card with XXXX XXXX, however that card has a $ 35,000+ limit. The account referenced here is not mine. It may have been one of my husbands, but I was not on the account, and neither XXXX nor XXXX  can prove that I was responsible for the account. If I am not responsible for the account, a derogatory mark may not appear on my report, because it would be a violation of law.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate information on my credit reports from XXXX, Experian, and XXXX. I believe these inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protections, including 15 U.S.C. 6802 and other specific provisions governing data accuracy, dispute resolution, and consumer privacy. 

Details of Inaccuracy and Non-Compliance : XXXX Account XXXX XXXX XXXX : My reports contain multiple discrepancies in account balances, statuses, and payment histories across XXXX, Experian, and XXXX. These inconsistencies suggest a failure to follow reasonable procedures to ensure maximum possible accuracy, which violates 15 U.S.C. 1681e ( b ). 

Unresolved Disputes and Dispute Process Violations : Certain accounts, including those with XXXX XXXX XXXX XXXX were previously disputed but continue to show inaccuracies. Under 15 U.S.C. 1681i ( a ), the credit bureaus are required to reinvestigate and correct inaccuracies promptly, which does not appear to have been done in this case. 

Inaccurate Reporting on Student Loans : My student loan accounts with XXXXDept of Education are reported inconsistently across the bureaus. Some reports fail to accurately reflect payments and deferment statuses. This inaccuracy may violate 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681c ( a ), as obsolete information can unfairly impact my credit score.

Furnisher Responsibilities Not Met by Creditors : Multiple furnishers of information, including XXXX XXXX XXXX and XXXXXXXX XXXX, have reported incorrect account statuses ( e.g., charged-off accounts and delinquencies ) despite being notified of disputes. This is in violation of 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1681s-2 ( b ), which obligate furnishers to provide accurate information and investigate disputes in coordination with credit bureaus. 

Unverified Inquiries : My credit reports contain the following inquiries that I did not authorize and that lack a permissible purpose under the FCRA : Ally Financial Dated XX/XX/XXXXXXXX XXXX  XXXX Dated XX/XX/XXXXXXXX XXXX XXXX XXXX Dated XX/XX/XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX Dated XX/XX/XXXXXXXX XXXX XXXX XXXX  Dated XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Dated XX/XX/XXXX These unverified inquiries are unjustly impacting my credit score and do not meet the standards of 15 U.S.C. 1681b, which requires inquiries to be made only with my consent or for a legally specified purpose. 

Disclosure Violations : The credit reporting agencies may not have provided complete or accurate disclosures in response to my information requests, violating 15 U.S.C. 1681g ( a ), which requires disclosure of all information in my file upon request.

Privacy Violations Under Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) : If any of my financial information has been shared without authorization or my consent, this would violate 15 U.S.C. 6802, which mandates that financial institutions protect consumer privacy and limit information sharing.
Product: Credit card

First I want to start off saying I had paid off my Macy 's card and thats the only reason I was not checking online. XX/XX/year>, I received multiple calls from Macy 's but I thought it was a scam. I decided to check my Macy 's account and it said I was past due $ XXXX. I immediately called Macys to report my card stolen.I told them the only transaction that I made was on XX/XX/XXXX XXXX XXXX for the amount of {$91.00}. My new card was sent to my previous address. They helped me out and said it was going to be under investigation. 
XX/XX/year>, new card and new account were issue to me and expecting new card within XXXX week.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
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 Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : 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 tha

n 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

When I opened the checking account, I was told that if I maintained a {$100.00} balance at then end of the month, I would not be charged fees. Apparently they now say this information was incorrect and they have been charging me fees. In addition, they have over 20 min wait times and have denied transactions with money in my account.
Product: Credit reporting or other personal consumer reports

There is a collection account on my credit report from XXXX XXXX XXXX which lists Synchrony Bank as the original creditor of the account. I don't recall having an account with your company. Can you please send debt validation for the account number SYNCH-XXXX. It is also important to note that the account number on my credit report is not an accurate account number further violating FCRA regulations. I will need to see the original contract bearing my signature because my information was compromised in the XXXX data breach. I will also need to see the forward flow agreement along with correspondence informing me that the account was being sold. If I had this, I would have known about this account and could have disputed sooner. Please inform me as to what the balance is and how much the account was sold to XXXX XXXX XXXX. Also provide me with the 1099 form since this account was written off. If you can not provide all of the information requested, and if you have not done an investigation into the XXXX data breach claim when I have already provided my claim number, then please contact the collection agency and XXXX, and have them remove this account due to inaccurate reporting. If this information is not removed within 30 days, Synchrony bank has the possibility of being taken to small claims court per violation of the FCRA regulations.
Product: Debt collection

I receive a collection notice for a visit to the Emergency Room of a hospital. Even though I submitted my insurance cards during my visit. It is astonishing that the hospital would place the bill with a collection agency and the collection agency would report the collection to the credit reporting company 's without billing any of my 3 medical insurance policies that I had submitted to the employees of the hospital during my visit. I would like this item to be removed from my credit report. They did not follow proper procedures by billing my medical insurance for the visit.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute with all three major credit bureaus to verify a delinquent account for : XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX. The account is being reported as delinquent as of XX/XX/XXXX. This account was sold by XXXX XXXX XXXX XXXX. The original delinquency date would date back to XXXX not XX/XX/XXXX. In addition, this account would have been included in a XXXX XXXX bankruptcy that was XXXX in XXXX. 
I have asked all three credit bureaus- Equifax, Transunion, and Experian to verify the debt and delinquency. Neither agency verified the debt, nor has the debtor provided verification of the original debt and original date of delinquency. 
It is my belief that based on the original date of delinquency, 1. ) the debt is no longer eligible to report on any credit bureau file. 2. ) The credit bureaus did not verify the original date of delinquency and therefore are reporting the delinquency as XX/XX/XXXX based on false information provided by a third-party collector that has also failed to provide proof of the current delinquency being reported inaccurately.
Product: Money transfer, virtual currency, or money service

Complaint Regarding Missing Funds from Cash App Transaction Details of the Issue : On XX/XX/year>, I sent a payment of {$2900.00} via Cash App to my landlord through the XXXX XXXX. The funds were successfully debited from my Cash App account, but my landlord did not receive the payment. 

When I contacted Cash App support, they were unable to provide assistance in locating the funds. I also contacted XXXX, who informed me that the payment was blocked on their end. However, despite repeated attempts to resolve the issue, I have not received a refund nor confirmation of where the funds are. 

This unresolved issue has caused undue stress and financial hardship, as my landlord is now pressing me for payment and threatening to refer me to collections for non-payment of rent for XXXX. 

Efforts to Resolve the Issue : 1. I contacted Cash App support and provided proof of the payment, including the transaction ID/Trace ID ( [ insert Trace ID here ] ). However, they stated they could not assist.

2. I reached out to XXXX, who confirmed the payment was blocked but could not locate the funds or provide a resolution. 
3. Despite providing proof of payment, including screenshots and bank statements, neither party has resolved the issue or refunded my payment. 

Resolution Sought : 1. I request that Cash App fully investigate the transaction using the provided Trace ID and confirm the exact status of the payment.

2. I request a full refund of the {$2900.00} if the funds were not properly delivered to the recipient.

3. I request transparency and a written explanation regarding the mishandling of my funds.

Supporting Documentation : I am happy to provide : Screenshots of the Cash App transaction showing the deduction. 
Communication with XXXX and Cash App regarding this issue. 
Bank statements showing the payment was debited. 

This situation falls under the Electronic Funds Transfer Act ( EFTA ), which protects consumers in cases of unauthorized or mishandled transactions. I appreciate your assistance in resolving this matter promptly.

Contact Information : Name : XXXX XXXX Email : XXXX Phone Number : XXXX Thank you for your attention to this matter. I look forward to your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Brclysbankde made an inquiry with my XXXX  credit report. I did not recognize the inquiry. Infact I was not even familiar with this particular financial institution. Therefore I am hereby writing to have this inquiry and all account with Brclysbankde removed.