23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My mortgage company XXXX XXXX had a data breach in XXXX. I was sent a letter in XXXX about the incident. My mortgage company is s sister-company. My name, social, and personal information was affected. 

TD Bank I received a letter saying that I requested an address to be added to my TD Bank Cash Credit Card. I contacted tran-union to freeze my credit. That was XX/XX/XXXX. On XXXX I got a phone call from a risk company asking if I charged {$7800.00} on this card. I said no then asked about XXXX XXXX for {$1000.00}. I said no and there was a few other charges all made in Georgia. That was done in the state where the address addition was requested. I called TD and cancelled the card on XX/XX/XXXX. I asked them for new cards, and told them what was going on. We thought it was getting looked at. We received a statement in the mail saying the accrued amount was {$14000.00}. We called and got the fraud department. The person said, that he could see that we cancelled the card, and someone tried to get into the card after it was closed. I listened to the phone call that recorded of the person trying to get into the account. It was a younger person. We thought it was getting desputed, but we never received any correspondence. I then received a letter saying that I owed {$540.00}, and it was going to go to collections. I called and found out that they did nothing with it. They also took the flag that was on this account off the account without my knowledge. We called, XX/XX/2024, the person put notes on the side, but never did anything with it. We now received a claim number XXXX. The charges were all made online.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I submitted a identity theft report to Equifax in reference to several accounts that were not mine. All of the accounts were removed from my report. On XX/XX/2020 Equifax reinserted account number XXXX XXXX XXXX XXXX XXXX back on to my credit report. On XX/XX/XXXX, I mailed Equifax a letter requesting the removal of the account due to the fact that Equifax had not submitted, in writing to me within the required 5 days that the account was reinserted as required by the FCRA. Equifax received the letter of XXXX XXXX. Equifax then changed the report date again to XX/XX/2020 to account for the missing 5 days. On XXXX XXXX i then received a letter from Equifax dated XXXX XXXX which would still violate the 5 day rule as it states that I was to RECEIVE a letter of notification WITHIN 5 days, not dated within 5 days. As of today, Equifax has not removed the account as they are in direct violation of the FCRA guidelines and I am demanding that the account be removed. All supporting documents are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a first 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 https : //www.ftc.gov to file a report 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. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX {$910.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$320.00} XXXX XXXX XXXX Original creditor XXXX  XXXX Balance : {$230.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX : {$97.00} XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 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: Mortgage

I have been declared by the VA as XXXX XXXX XXXXXXXX and no longer responsible for property taxes. On XX/XX/XXXX, I requested from CMG to stop my tax and property insurance monthly payments AND to refund my current escrow balance. I have been in contact with their customer service numerous times and have even been able to establish contact with a CMG employee from another department to assist me in my endeavor. As of this date, I have been partially reimbursed, however, I have not received all of MY money. CMG is also indicating that I am still required to submit a monthly escrow payment. I have only paid the P & I on my mortgage and CMG is indicating that this is only a partial payment. Help me get my refund and straighten this mess out.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX after multiple attempts to correct the information with my XXXX XXXX XXXX XXXX XXXX Experian, and XXXX have failed to correct. 

My report shows that my account was 30 days late in XXXX of XXXX. On XX/XX/XXXX I filed a complaint through the CFPB asking for proof that the information is correct non was provided by either the CFPB or the credit Bureaus. 

I am again disputing but this time demanding that the account be removed from my credit if they the lender and credit bureau can not provide and list accurate information on my credit report.
Product: Checking or savings account

I currently bank with Capital One and theyre currently experiencing some sort of breach/outage thats stopping the customers from receiving their direct deposits. This issue has been going on since XX/XX/year> and we just received an email about it the evening of XX/XX/year>. It is now XX/XX/year> and funds are still not deposited into our accounts. They are not releasing any statements about what will be done for this MAJOR inconvenience and this is honestly unacceptable. This is peoples livelihoods that this company is playing with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a car loan recently ( last month ). My credit score was XXXX. All of sudden, my credit score went down XXXX points ( please attached proof ) a few days ago from XXXX XXXX app. I found it very unusual and unfair for my credit to be significantly impacted that way. I work hard to improve my credit. I just dont think it is correct for my credit to go down the way it did, especially when I have made payments to pay off a debit and to keep my account current. I want your help to correct the error in my credit score reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputes Salie mae account credit account which is over seven years on my credit reports and the three bureaus said it was verified as accurate. I am trying to get clearance job and was rejected because of this. 
I reside in Virginia and the Status of Limitation is 5 years for this debt. I was never sued and this debt should be off my credits seven years ago. Salie mae keep reporting inaccurate information on my account and they need tot stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian have a thats showing closed but still is reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681section 604 A Section 2 : it also it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account as open end on consumer credit plans as purpose.
Product: Credit card

Someone opened a Macys American Express card on XX/XX/year>. I did not know about this until I got the bill in late XXXX. This charge of XXXX was opened at their XXXX, Michigan store. I contacted them and they forwarded it to their fraud agency. It hasnt been resolved and now Im getting requested for payment. 

Someone had a good XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of  XXXX     2016  and  XXXX   2016 .     I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.     I even called and go the late fees waived because I did n't get the statement and paid my balance off right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account US Bankruptcy Court # XXXX, has violated my rights. 

15 U.S.C 1681section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX- XXXX ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX FIRST TEXAS AUTO CREDIT Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX  ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that CREDIT BUREAUS 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 Experian, XXXX and XXXX decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please Block the items listed below that are unknown to me : XXXX 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 XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX Balance {$710.00} XXXX XXXX XXXX XXXXXXXX Balance {$10000.00} XXXXXXXX XXXX XXXX Balance {$5800.00} XXXX XXXX XXXX XXXXXXXX Balance {$95.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXX Balance {$0.00} XXXX XXXX XXXX  XXXXX Balance {$310.00} XXXX  XXXX XXXX {$640.00} XXXX XXXX XXXX Balance {$130.00} XXXXXXXX XXXX  XXXX Balance {$1800.00} XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Credit Reporting Agencies XXXX  and Equifax for the following FCRA violations : 1.Pursuant to 15 USC 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give these credit reporting agencies any written instructions to furnish the following inaccurate accounts.

2.Pursuant to 15 USC 1681a ( 2 ) ( b ) a consumer credit report should not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. They are in violation of the above-named Title and Section.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a serious issue with Experian, one of the major credit reporting agencies in the United States. I have recently reviewed my credit report and found that there are several errors, including misspellings of my name, incorrect employers, and an incorrect address. This is a violation of several laws, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq., and the Georgia Personal Data Protection Act, O.C.G.A. 10-1-910 et seq. 

As per the FCRA, Experian is obligated to ensure that the information contained in my credit report is accurate, complete, and up-to-date. Both the Consumer Financial Protection Bureau and I have reached out to Experian to correct these errors and to clean up my personal data, however, Experian has refused to do so. This refusal to correct the errors in my credit report violates several provisions of the FCRA, including : Section 611 ( a ), which requires credit reporting agencies to reinvestigate disputes from consumers within a reasonable period of time. 
Section 611 ( b ), which requires credit reporting agencies to remove or correct inaccurate or incomplete information from a consumer 's credit report.

Section 613 ( a ), which requires credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer credit reports.

Misspellings of my name and incorrect employers and addresses are clear indications that the information contained in my credit report is not accurate. This undermines the accuracy and integrity of my credit report and violates my rights under the FCRA. 
The GLBA requires that financial institutions protect the confidentiality and security of consumers ' nonpublic personal information. By including incorrect information in my credit report, Experian is potentially exposing my personal information to unauthorized individuals, which is a violation of the GLBA.

The Georgia Personal Data Protection Act sets forth strict requirements for the protection of personal data, including credit reporting agencies like Experian. By including incorrect information in my credit report, Experian is in violation of the Georgia Personal Data Protection Act and is putting my personal information at risk. 

I demand that Experian immediately correct these errors in my credit report and ensure that all information contained in my credit report is accurate, complete, and up-to-date. I would also appreciate it if the Consumer Financial Protection Bureau could investigate this matter and take appropriate action to ensure that Experian complies with all applicable laws and regulations. Furthermore, I request that the CFPB forward all findings to the Office of the Attorney General for Georgia for any further action that may be necessary. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Around XX/XX/, Fraudsters, Scammers & Hackers, under fake identity, tricked & transferred US {$50000.00} of my funds, from my Wells Fargo Bank account to some foreign bank account, in their premeditated, elaborately planned & executed online cyber crime, in stealing & defrauding my funds.
Product: Debt collection

To whom It may concern, I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. XXXX Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response immediately Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I purchased a cashiers check from Bank of America for {$14000.00} payable to XXXX XXXX XXXX to payoff my car loan. On XX/XX/2022, I discovered XXXX XXXX XXXX had lost the check and requested that I have the bank reissue it. Bank of America says that its policy is to wait a minimum of 90 days to start the process and it can take up to 120 days for it to actually reissue. I never knew about this before I asked about a reissue, the bank says it is policy and written on the check in small print. However, I was presented the check in a white envelope and never reviewed the actual check. The only thing I signed was the withdrawal slip, I was never appraised of the rules and policies, This an extreme financial hardship for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm a victim of identify theft. A person has tried twice to open a Capital One credit card once in   XXXX   2017 and another in   XXXX   2017. Both times  XXXX  contacted me and we had calls with Capital One and identified as fraudulent. Capital One stopped the issuance of credit in both instances. They also removed the hard inquires on my credit reports for   XXXX    2017, but for  XXXX  2017 they missed  XXXX . I have written twice to Capital One 's fraud department explaining about the fraud and they missed the hard inquiry with   XXXX   and both times they keep sending the same letter about three kinds of inquires. Pre-screening inquires, Account management inquires, and Standard inquires. Nothing to do with my issue. They are not bothering to read my letters. Because of this hard inquire it can lower my credit score.
Product: Debt collection

XX/XX/2015 / XXXX / put this on credit as a collection. No contact with Real Time Solutions. I disputed this 30 day 's ago.
Product: Credit reporting or other personal consumer reports

There are several accounts being reported by Experian, XXXX XXXX XXXX  to my credit file. I did not authorize these accounts to be shared or reported to my credit profile. I have a right to privacy per the Fair Credit Reporting Act 15 USC 1681 3 ( a ) 4 which states ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I would like for Experian, XXXX XXXX XXXX to remove the following accounts from my credit file which will protect my privacy with the following accounts. Please remove the following accounts immediately : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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. 

other credit reporting accounts are XXXXtransunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOANS OR LEASES 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$2700.00} -This is not my account.
Product: Mortgage

The mortgage serviced XXXX recently partnered with loan care. I was in the process of getting my PMI dropped off since I have met the 75 % minimum equity required and even paid for an appraisal through XXXX to have it done but since I was transferred midway through I have not been able to get a response from loan care. This is time sensitive since the appraisal is only valid for a set time period. 

I have submitted 2 online requests asking for a call and nothing and have called he phone system at XXXX numerous time last and can not get a person on the phone since the system just keeps putting you in a loop and wont let you speak to anyone ever I feel like they like the servicer is violating the act that allows me to drop off my PMI since I have met all criteria and have not received a timely response
Product: Credit reporting or other personal consumer reports

I want to inform Experian that there is an error in the bank statement. There is a delinquency in the credit report, showing that there was a late payment even though my XXXX XXXX XXXXXXXX account, but it shows there is no sign of late payment. I want to have the account deleted if it's not 100 % accurate. Could you check on this and get back to me? Please investigate the following account and remove it if anything is missing or not correct on it. Thank you!