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

Consumer Complaint Regarding Identity Theft and Unauthorized Account Reporting Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding identity theft and unauthorized account reporting on my credit report. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically in relation to 15 U.S. Code 1681b, 15 U.S.C. 1681c ( 1 ), and 15 U.S.C. 1681c ( 2 ). Name : XXXX XXXX Email : XXXX Date : XX/XX/2023 The specific issue I am encountering involves several unauthorized accounts, including XXXX XXXX XXXX account number XXXX, XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX and,. I have never provided written consent for these accounts, and I strongly believe that they are a result of identity theft. The FCRA clearly states that consumer reporting agencies must obtain written consent before furnishing a consumer report to any party, as outlined in 15 U.S. Code 1681b. Furthermore, 15 U.S.C. 1681c ( 1 ) mandates the prevention of identity theft by blocking any information resulting from such an incident, without the need for written consent. Despite notifying the credit bureau and providing evidence supporting my claim of identity theft, the unauthorized accounts have not been removed from my credit report. This failure to address the issue is a violation of my rights under the FCRA. I kindly request your assistance in investigating this matter and ensuring that the credit bureau takes appropriate action to rectify the situation. I am seeking the immediate deletion of the unauthorized accounts from my credit report, as required by law. Thank you for your attention to this matter. I look forward to a prompt resolution to this dispute and the protection of my consumer rights. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXXXXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 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.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Hi, This is a complaint against Citi Bank credit cards. On XX/XX/XXXX  I placed an order on XXXXcom for a device in the amount of {$220.00}. At the end of XXXX I asked the company for a refund, because the product had not been shipped. The customer service representative agreed to refund, but no refund was ever issued. So I contacted the credit card company and disputed the charge. They " investigated '' for about two months and a week ago they sent a letter saying that they will not refund me the money. So now, three months after the purchase date, I have no product and no refund. According to Citi Bank there is nothing I can do. I believe Citi Bank is violating the Fair Credit Billing Act. They don't provide consumers any protection against merchants who take their money and don't ship the products. 
Please let me know if there is anything you can do. I have attached the order invoice, and the letter from Citibank saying they will not reverse the charge. I have also attached the communication I had with the company asking them to cancel order and issue a refund. I have sent them several emails since XXXX, but there was no reply thus far. 

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

In Transunion 's response to my CFPB complaint ( # XXXX ), Transunion claims to send a response to my disputes to an address where I no longer live, dated XX/XX/XXXX. Transunion further claims to have sent a request for verification of my current address XX/XX/XXXX. None of this makes sense in that I included a current utility bill, drivers license, and SSN card in my original dispute dated XX/XX/XXXX ( see enclosed ). This provides fulfillment of Transunion 's requirements to update my demographic info and process my dispute. 

It is odd that all 3 credit bureaus would've for various reasons fail to respond to disputes in concert. Transunion failed to respond after being provided with all the information necessary to process my disputes, in violation of FCRA rules.
Product: Credit reporting

I have a credit freeze on my credit with Equifax. Recently, I went to purchase a new vehicle and asked Equifax to do a temporary Freeze Life which should have cost me {$10.00}, but instead was charged {$40.00}. I 've recently spent the last day and half trying to get reimbursed for the {$30.00} overage to no avail. A simple solution would be to have my Credit Card company not honor the charges, but I know that Equifax will then place a {$30.00} charge off on my file. When I call their toll free number I 'm connected to an Offshore Representative who transfers me to the U.S who in return transfers me back to an Offshore Rep. It would really be nice for all Executive Officers to go through this process, oh well, does n't hurt to dream.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App neglected to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. The dispute process is very deceptive and unfair, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

XXXX Mortgage company had reported me to all credit bureaus as FORECLOSURE HAD STARTED -- -absolutely complete lie!! I had reached out to Consumer financial protection agency to get XXXX to own up to their errors, which they did and finally XXXX sent me a letter to inform me that XXXX would contact all credit bureau agencies to repair the damage. XXXX will not accept the letter from XXXX they want an " electronic deletion from XXXX directly ''. XXXX is not entertaining my request and told me they already sent the letter and that 's enough. I do not feel I am being treated fairly from EXPERIAN! XXXX account needs to be PERMANENTLY removed from my credit reports as well as the HARMFUL " foreclosure '' remark needs to be removed from all XXXX credit agencies : XXXX, XXXX AND EXPERIAN!!! I have monitor systems on all these accounts and the foreclosure is still being reported!! 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Bayview is using an unlawful loan modification to attempt to collect on a debt that exceeds their statutory rights. 

They continue to conspire with Ms XXXX to cause harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made an uninformed decision on XX/XX/2014 when I entered this consumer credit transaction with XXXX XXXX for an {$15.00}, XXXX auto loan. 
Currently there is no evidence of indebtedness. The only evidence of debt was the agreement. That agreement is now null and void because I made an uninformed decision that was not clear and conspicuous. There was no adequate notice, I did not understand the agreement
Product: Credit reporting or other personal consumer reports

I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as stated under the FCRA. I am requesting methods of verification for this account in writing. If they can not produce these documents please DELETE and REMOVE this account from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX credit card keep adding late fees inaccurate information tried to dispute but it keeps coming back on my credit report its currently up to XXXX reporting negative on my report
Product: Debt collection

I paid all of my medical debt off in full. There are XXXX accounts still open on my credit report with a balance of {$87.00} due.
Product: Debt collection

I attempted to contact all three credit Bureaus to initiate disputes on both credit inquiries and debts reflecting on the credit report. Both XXXX and Experian have been to most challenging and not willing to assist. XXXX  and Experian have stated they started a dispute but in fact did not. XXXX  has been unwilling to assist with these disputes. 

Accounts which are in question are : 1. Accounts with all accounts with XXXX XXXX. 
2. All accounts with XXXX 3. Accounts with XXXX 4. Account with XXXX. 

Inquiries which are reporting and were not initiated or authorized with me are : 1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX   XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XX/XX/XXXX 6.XXXX  XX/XX/XXXX 7.XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX XXXX  XXXX XX/XX/XXXX 10.XXXX  XX/XX/XXXX 11.XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX 13 . XXXX XXXX XX/XX/XXXX 14.XXXX XXXX XXXX XX/XX/XXXX 15XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Hoping this message finds you well. I am reaching out today to provide a follow-up, as within the next 15 days, I will be updating my credit reports. I am conveying this message to ensure that you have successfully addressed the removal of all the items listed in this complaint, as well as those outlined in my previous communication dated XX/XX/XXXX. Additionally, I have re-attached my FTC Report # XXXX for your reference. Please review the listed items for removal for each bureau : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX **********TRANSUNION********** XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax willingly and freely continue verify accounts involved in FRAUDULENT ACTIVITIES. The accounts should have been removed they continue to use XXXX instead of abiding by the law and retrieving the POLICE reports and doing a REAL 100% complete and accurate investigation. Their XXXX system eliminates a 100% complete and accurate investigation. I REQUESTED THEM NOT TO USE  XXXX considering there is a ACTIVE POLICE investigation and it clears they used it anyways to verify accounts that should have been removed.
Product: Credit card

I opened a XXXX XXXX credit line of {$1000.00} in XX/XX/2022. Approximately 6 months later my credit line was decreased to {$700.00} ( my balance at the time was between {$600.00} and {$700.00} ). I believed at the time it was due to a possible late payment. I recently went onto my account to schedule payments ( I usually schedule 2-3 months of bi-weekly payments ) and noticed my credit limit was decreased to {$400.00}, my available balance was {$52.00}. When I contacted Synchrony Bank, the representative told me it was decreased due to the credit checks they do every 6 months. Eventually, as I pay down my balance, they will continue to decrease my credit limit denying me access to use the card. I then asked if Synchrony Bank owned XXXX XXXX, she answered yes. This also happened with my XXXX XXXX XXXX which only had a {$300.00} limit at its highest. Then it went to {$200.00} as I made payments, then {$100.00}. I paid off my balance at one point and when I went to purchase something I was declined. When I contacted the number on my card they advised me it was due to my credit scores. 

Not only was I never notified in writing of these changes in my credit lines, I was also not notified of my XXXX XXXX card being closed altogether. These frequent credit checks are affecting my over all credit score ( not great, but I don't request things often in order to protect what it is ) and those credit checks stay active on my account for 2 years. 

I have a XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  and have never had issues with payments or credit line decreases. Its the opposite with them actually. They increase my limit without me even asking. As of today, XXXX shows XXXX ( up XXXX pts ) and XXXX XXXX ( up XXXX ).
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian Information Solutions , Inc. for violating the Fair Credit Reporting Act ( FCRA ), specifically FCRA Section 604 ( 15 U.S.C. 1681b ) and other relevant provisions related to the mishandling of consumer credit data.

Upon reviewing my credit report, I discovered that Experian Information Solutions , Inc. accessed and/or sold my personal credit information without my consent or a permissible purpose as outlined under the Fair Credit Reporting Act ( FCRA ). This unauthorized action has negatively impacted my financial privacy and may have exposed me to potential risks such as identity theft, unsolicited financial offers, or other unauthorized uses of my personal data. 

FCRA Violations Experienced : 1. Unauthorized Sale/Access of My Credit Information Under FCRA Section 604 , consumer reporting agencies are prohibited from selling or sharing credit information without a permissible purpose ( e.g., employment screening, credit applications, insurance underwriting ). I have discovered unauthorized inquiries and/or data sharing related to my credit file, which I did not authorize.

2. Failure to Conduct Proper Investigations ( FCRA Section 611 15 U.S.C. 1681i ) I disputed inaccurate information with Experian, but instead of conducting a reasonable investigation, the company failed to provide proper documentation or remove the incorrect data, violating my rights under FCRA Section 611.

According to FCRA Section 604, con
sumer reporting agencies and third parties may only access or sell consumer reports for specific permissible purposes, such as : Employment screening Credit applications Insurance underwriting Account review by a current creditor I did not authorize or initiate any transaction that would justify this inquiry or data sale. Therefore, I am requesting the CFPB to investigate this matter and take appropriate action for violating my rights under the FCRA.
Product: Money transfer, virtual currency, or money service

the person is a fraud. he handled our business card when my car has some scratches. He lured me to open cash app to transfer money and pretend he is a legit shop. it turned out the business was legit, and he never worked there. He just made fake business card. After he ghosted me, I immediately contacted cash app to report the fraud. And it was the only transactions I ever had on cash app. But they declined me, and I disputed with my bank. My bank later on reversed the charges and said cash app was with the scammers.
Product: Credit card or prepaid card

I'm filing a complaint with Consumer Financial Protection Bureau against XXXX XXXXComentiy Bank. XXXX XXXX was directly paid out of my bank account on XXXX and have not credited my account for the payment. Despite in a timely manner ( XX/XX/XXXX ) I brought it to XXXX XXXX XXXX attention, but it was blown off as not paid and I continue to have accumulated late fees. This needs to be corrected and as well as any repair made to correct my credit report. The bank statement attached showing the payout to XXXX XXXX 

From : You Sent : Sunday, XX/XX/2021, XXXX XXXX  ( ET ) To : Comenity Bank Subject : Payments Message ID : XXXX I make a payment for {$14.00} to pay off my balance on XXXX from my bank and it was recieved by XXXX XXXX on XXXX. I recieved a paper check for {$14.00} written out to XXXX XXXX. Why was it mailed to me? I have tossed it out. Also, I have not been credited for that payment, which shows paid from my XXXX XXXX XXXX XXXX. Please credit my account to XXXX balance due. Thank you From : Comenity Bank Sent : Monday, XX/XX/2021, XXXX XXXX  ( ET ) To : You Subject : Re : Payments Message ID : XXXX I am with Comenity Capital Bank, which handles everything related to your credit card account. I'm happy to help you today. 

We have not received your payment. 

We have not received a payment to your XXXX XXXX account. 

Please be informed that the mailing address for the payments is : Comenity Capital Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX Thank you for your loyalty - have a great day. 

If you have any questions, please click the reply button. 


Sincerely, XXXX Internet Customer Care Team
Product: Bank account or service

Wells Fargo states linked accounts will not be billed service fees if certain conditions are met. 
However, say a checking and savings account are linked. While all conditions are met, they still charge service fees for one of the accounts, namely the savings account. Their excuse is it is a one way link, i.e. the checking is linked to the savings, but the savings is n't linked to the checking. They do not clarify the distinction in their marketing, making for a deceptive practice to overcharge the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

i XXXX XXXX XXXX XXXX have sent complaints to all three reporting agencies about debts that have refused to verify the debts. on XX/XX/XXXX a letter of discovery requesting proof of acknowledgement ; copy of signature on agreement, or acknowledgement of debt document. also requedted was copy of 1 bill of deliquency of debt, and/or debt total ./ repeat letter was sent XXXX, and certified letter in XX/XX/XXXX. all requesting the same thing to these debtors ; XXXX XXXX XXXX. XXXX XXXX XXXX XXXX tn XXXX. amt {$230.00} org. XXXX XXXX XXXX XXXX md. trans union acct # XXXX # 2 XXXX XXXX XXXX XXXX XXXX XXXX, mo. XXXX amt {$150.00} XXXX XXXX XXXX  XXXX. trans union acct # XXXX. XXXX acct # XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I submitted dispute letters to have accounts removed that were reporting inaccurately as well as reporting things that violate my Consumer Law Rights! The accounts that I reported were : XXXX XXXX ( which is the one I need remove the most due to the most violating done ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 

XXXX XXXX opened XX/XX/XXXX acc # XXXX XXXX XXXX opened XX/XX/XXXX Acc # XXXX XXXX opened XX/XX/XXXX Acc # XXXX I attached all documents what you need included Identity Theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX XXXX is ignoring FCRA violations despite certified mail disputes
Product: Bank account or service

In 2012 I re-financed my mortgage FROM Chase to XXXX XXXX. That ENDED my relationship with Chase, which was bad for me them having used a sub-prime interest rate when rates were XXXX and I paid for eight years with exceptional credit. I used the streamline FHA re-fi program and had to go elsewhere because Chase kept trying to find ways to jack up fees that were not allowed, or were unethical, and in some cases outright misleading. 
So, I did re-fi and thus Chase had no reason to keep private information on me. 
A few months ago I applied for an Amazon credit card and did receive it. I did NOT know they used Chase but nevertheless, I decided to keep the card. 
NOW I am trying to set up an ONLINE set up so I can pay ONLINE and access my credit card account -- charges, credits past statements etc. But I CAN NOT SET THIS UP BECAUSE MUCH to my dismay, Chase has kept private information from my mortgage and 1 ) it has the wrong old not used phone number and 2 ) an ancient email. So Chase needs to send a " code '' to either a text, email or phone to confirm your account. Despite them having my account number, and all NEW UPDATED phone numbers and emails, THEY HAVE ONLY THE OLD phone number and email and there is no way to change or update it. 
I called twice, spoke to XXXX people, and NOBODY I talked to was able to CLEAR OUT the old information. I told them I was very displeased they would have the nerve to keep my private information. Then, they ca n't seem to get rid of it. 
Then the second man transferred me to someone in the department which is supposed to be able to do this and THAT man said there is a " tool '' he uses but that " tool '' is n't available to him now to be able to clear out or update information. 
OH PLEASE. 
Chase also uses stupid, ancient things like, what is your mother 's maiden name -- identifiers I have LONG AGO LONG AGO stopped using because these are so common and too many people know my mother 's maiden name. 
This is overall a problem with these banks who think they can just keep all sorts of information on people despite nobody doing business with them. Ever since I re-financed and have a much much better mortgage company, I have not contacted Chase for anything. No reason to keep my private information.
Product: Debt collection

This credit card was issued thru MBNA and was PAID after an agreed settlement number was given. This credit card was back from XX/XX/XXXX and was paid and should have been removed from my credit in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my consumer report. 
I have recently reviewed my consumer report and noticed some unauthorized accounts and in violation of 15 U.S. Code 1681 ( a ) ( 3 ) you guys assumed this role without my permission and you DID NOT have my consent. You guys did not respect my right to privacy which is under 15 U.S. Code 1681 ( a ) ( 4 ). You did not exercise your grave responsibility at all and you were unfair and partial. I have already taken the liberty to file a CFPB report and an Attorney General complaint. You were never given permissible purpose Under 15 U.S. Code 1681b ( a ) ( 2 ). I never instructed you guys to furnish this report and I never consented to this report in the first place, What I am demanding right now is that you guys delete all of these accounts listed below off of my report immediately.

I would like to state pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system.

According to my written instructions which I have full authority to give you under my rights as a natural person/consumer pursuant to 15 U.S Code 1681b ( a ) ( 2 ) I am exercising my right and I demand these inaccurate accounts be deleted immediately. Willful noncompliance by your company will result in me seeking legal action. 

WRITTEN INSTRUCTION DELETE FOLLOWING ACCOUNTS ( Dept Of EducationXXXX XXXX XXXX XXXX )