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

I am writing to formally request the blocking and deletion of fraudulent accounts appearing on my credit report. I have been a victim of identity theft and unauthorized access to my personal information as a result of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have information resulting from identity theft blocked and removed from my credit file.

Below is a list of the accounts I have identified as fraudulent : XXXX. XXXX - XXXX : Opened XX/XX/XXXX, XXXX {$70.00} XXXX. XXXX XXXX XXXX  - XXXX : Opened XX/XX/XXXX, Balance {$17000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX : Opened XX/XX/XXXX, Balance {$55.00} XXXX. XXXX XXXX - XXXX : Opened XX/XX/XXXX, XXXX {$290.00} XXXX. XXXX XXXX - XXXX : Opened XX/XX/XXXX, XXXX {$70.00} XXXX. XXXX XXXX XXXX - XXXX : Opened XX/XX/XXXX, XXXX {$440.00} XXXX. XXXX - XXXX : Opened XX/XX/XXXX, XXXX {$4600.00} XXXX. XXXXXXXX XXXX XXXX : Opened XX/XX/XXXX, XXXX {$3400.00} XXXX. XXXX  XXXX XXXX - XXXX : Opened XX/XX/XXXX, XXXX {$0.00}
Product: Mortgage

Before lodging this particular complaint I decided to review my previous complaints and from their very first response they were incorrect! I let them know right away that my partner had passed away and they completely cut me off and quit talking to me. I sent them fax after fax to prove I was the sole deed holder with no response. They wouldn't even confirm whether or not they'd received my faxes for years, yet they stated I didn't let them know this for years. They also stated they had updated my files their second foreclosure attempt but apparently hadn't. They also took my personal checks to pay the mortgage for almost 5 years til one-day out of the blue they just sent my payment back, not 3 years til I couldn't make my payments anymore. And they stated that I was trying to get a government program to help me but requested postponement of my foreclosure to see if approved when I had their approval more than once but was refused by the bank and the final time I just needed an additional week or two for the actual approval let yet was already approved!!! 
My complaint now is that they have stated they need more time to investigate this matter over a month ago and from previous experience I know they will either blow me off indefinitely or they will make up whatever they have to in order to close this case whether true or not. Thank God I have CFPB to supervise this or they would leave this complaint as unreceived, and/or resolved indefinitely!!! 
Bottom line is they stole my house!!! Never acknowledge, talked to, or assisted me in any way to help me AT ALL!!! 
I would now like them to respond!!! Thank You!!!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as falling to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

I purchase this car in XX/XX/year>, I have made my payments, on time woth hardship exceptions. They continual to raise the amount back to original amount. They are scamming me out of money. I CAN NOT TRADE THE CAR NO CAR DEALSHIP WILL EXCEPT THE VEHICLE DUE TO THE PAYOFF. WHICH THEY HAVE ALSO BLOCK MY PORTAL with my payment history. They also fail to disclose information about there loan obligations.
Product: Credit reporting or other personal consumer reports

I've notice late payments on my consumer report. to my knowledge ive made every payment on time. ive disputed these accounts numerous of times.

they violated 15 u.s. code 6802 which states : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provide to the consumer a notice that complies with section 6803 of this title.

15 u.s. code 1666 correction billing errors : if a creditor within sixty days after having transmitted to an obligor a statement of the obligor 's account in connection with an extension of consumer credit receives at the address disclosed under section 1637b 10 of this title a written notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with disclosure required under section 1637 ( a ) ( 7 ) 15 u.s. code 1681b permissible purpose 15 u.s. code 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes with Experian on the same matters and no matter what I say or what evidence I provide these items still remain. I have asked the alleged account owners to please provide me with PROOF that I made these accounts ( signature pages and a photo copy of my id ). These are HOSPITAL bills and as such it is a law that a photo Id be presented and COPIED at time of check-in. No one has provided me with ANY proof that I asked for. Also, several of these locations I have NEVER been too.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And list of Inquiries According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Every account that is reporting negative on all three of my credit files should be removed. Also the addresses. I have only lived at one address. I am enclosing proof. The bankruptcy that are reporting is inaccurate. The Bankruptcy Court does provide information to the Credit Reporting Agencies and XXXX states that it has removed it. Why is it still reporting. I am enclosing copies of police report showing I have been a victim of identity theft and all these negative accounts should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I discovered fraudulent accounts and inquiries opened in my name. 

The following Inquiries were not done by me. 

XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX The following accounts were not done by me. 

XXXX XXXX, XXXX account number XXXX {$310.00} XXXX Account number XXXX {$360.00} XXXX XXXX Account number XXXX {$710.00} XXXX XXXX Account number XXXX {$81.00} XXXX XXXX Account number XXXX {$380.00} XXXX  Account number XXXX {$20000.00} {$14000.00}
Product: Credit card or prepaid card

I am an American Express Corporate Cardholder and had a fee for a balance that was overdue. This fee was added to my XXXX Statement for a XXXX charge that I did not clear in the time allotted [ 45 days ]. I discovered the error and called American express on XX/XX/2018. At the time, the customer care representative kindly removed the charge. The full balance was cleared on XX/XX/2018. 

On XX/XX/2018 the same {$39.00} fee was added back onto my account. American Express did not disclose that they would add the fee back on after they waived it for the charge that lingered between XXXX and XXXX. In fact, they credited my account for the XXXX $ fee on XX/XX/XXXX and then added it back on XX/XX/2018. I believe that this is not in good faith and deceptive.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I wrote to experian about their boost program. I told them to close my boot account and remove any all information that was two months ago. They sent me an email stating they could not remove information now I find incorrect information on my credit report about my electric bill! On my credit report is a {$130.00} balance and I ACTUALLY HAVE A {$34.00} dollar credit!
Product: Checking or savings account

On XX/XX/2020, I contacted Chime Bank to dispute the fraudulent charges to my spending account. The were informed earlier regarding my card being stolen and had asked that I complete paperwork totaling 48 pages to submit before I could begin the dispute. I completed all of these pages and began the dispute process. Apx 10 business days later they responded that " no billing error '' had occurred and I would not be receiving any credit for these fraudulent charges. I then filed a rebuttal to this adding the copy of the police report regarding my stolen wallet on XX/XX/2020. On XX/XX/2020 they responded that they had no changed their decision and the fraudulent charges would stand. However, on XX/XX/2020, they found that my dispute was valid on my credit card with them for the fraudulent charges due to the same circumstance and they did credit back all the fraudulent charges to my Chime credit card, yet have not been able to explain why they would do so on that account but not my spending account. I have attached a copy of the bank finding my fraudulent charge claim to be valid for their credit card account I have with them.
Product: Credit reporting or other personal consumer reports

I recently found out that I was a XXXX XXXX  for a Capital One settlement due to a XXXX Data Breach. I called the capital One Settlement department and was told I was a XXXX XXXX that could have received benefits, but because I did not respond to the claim in 30 days, I lost my opportunity. An agent told me that an email was sent out to me about the settlement in XXXX of XXXX, but she also said the email was automatically deleted after 30 days. Meaning, Capital One purposely sent the email to my Spam folder so that I would not know that I was an eligible XXXX XXXX for the settlement. Others have received {$700.00} as a result of the settlement, but others like me are out of luck as the final deadline to submit for the claim was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : GREATER XXXX XXXX XXXX PH ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Consumer Loan

I have an auto loan with Santander that is behind, they are trying to repossess it which is understandable but the company they are using is harassing me and threatening me even though I told them I am at work and to not call me on my work phone anymore. They call me everyday multiply times a day. Today there have been at least XXXX calls from XXXX different numbers even though I asked them to stop calling me as I have no agreement with them. I am not sure what to do to make them stop calling me. I have no agreement with these people and even if I did I do not deserve the treatment I am receiving from them. I am thinking of calling the police.
Product: Debt collection

There was a lawsuit and a court hearing on XX/XX/year>. I had no notification of the court date, a default judgement was entered and they obtained a written of garnishment. The writ has no dates and no monetary amount and I only found out abouts it when XXXX was missing from my paycheck
Product: Checking or savings account

On XX/XX/XXXX I sent money to this young lady for service to do my hair. I never received the service. It turned out to be a scam because she blocked me after the money was sent to her. My bank declined the transaction for the larger amount of money. They sent XXXX back to be.on XX/XX/XXXX they well be taking XXXX and XXXX back out of my account because they dont approve it. They only approve the XXXX and XXXX. They told me to contact the person I sent the money to but how can I contact a scammer.
Product: Credit reporting or other personal consumer reports

This is in regards to XXXX account # XXXXThe company XXXX sent me an email today stating the results of dispute number XXXX is complete. I checked the credit file and the information is still there. The loan has the same balance of {$2000.00} dollars and the type of loan states unsecure. I again filed another dispute today with dispute number # XXXX. I want this unsecure loan permanently removed from my file because this loan was paid in full in XXXX.
Product: Credit reporting or other personal consumer reports

Have identified identity fraud. Accounts open in DEAD FATHER name, ssn. Same Name as DEAD FATHER. I have identity fraud in XXXX. XXXX, XXXX, XXXX. NEED ACCOUNTS REMOVED FROM XXXX ALSO.
Product: Checking or savings account

I just recently opened a new bank account with my XXXX XXXX and I have a po box as my mailing address when I walked in there, I let them know that and the banker told me that it was not an issue now a week later my account is frozen. I can not access a single penny because Im being told that back office needs to verify my identity because it does not match Whats on my ID and mailing address. Im sick and tired of explaining to them that it wont match because its a po box all my mail goes to my po box so they asked for a paystub to prove that my po box was linked to me, so I walked into a branch XXXX days ago and provided that But they keep saying that they need to verify my identity. They have left me with no money at all no gas money, no food money and no rent money. I am completely out of options here. I let them know if its a huge issue to have the account open with such address, then I would like to close it ASAP and get my money back since I was told they would close it if theyre not able to properly verify my information. I have no problem with that now if they close it but they wont even do that. They are withholding XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the beginning of XXXX I lost my job due to the COVID situation. I emailed Possible Finance explaining my dilemma. XXXX a representative from Possible Finance informed me that if I was impacted by COVID-19, we can extend your payment dates up to 60 days from your originally scheduled payment date. These payments will be reported as on time to the credit bureaus and will not accrue any a late fees. 
Things to consider : If your payments are already past our standard 29-day grace period, we will give you an additional 60 days to avoid any further damage to your credit report. However, please be aware that your current past-due status will still apply. 

You can always reach back out to us after the 60-day window if you still find yourself impacted by COVID-19. 

I made my first payment on XX/XX/XXXX, then on XX/XX/XXXX I reached out to Possible Finance regarding my first payment and why my payment wasn't being accepted. My checking account and debit account was entered correctly, so there shouldn't have been any reason why my payment wasn't processed. And I never received a follow up regarding this matter. 
Every weeks Possible Finance would automatically draft out my payment but for some reason their system would always reject my payment. Then I got laid off from my job in XXXX. I asked them if there's any help that I can get, and thats when they told me since I was in a 29 day grace period they will give me an additional 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke to multiple representatives at Equifax about a false account on my credit report. I have filed a identity theft with the local police department and the FTC in XXXX. 

The representatives I spoke to were XXXX ( XXXX - employee number ) and XXXX ( XXXX - fraud department ). XXXX was to do an investigation about why the credit inquiry was still on my report even though Equifax found that is was fraudulent and did not belong. The dispute number was XXXX and should have reflected the new change XXXX. I have yet to see a change to my report despite multiple attempts to contact Equifax about this needed change. I continuously am told to wait for the new report to see the new change.
Product: Vehicle loan or lease

Attempted to refinance. had conflicting information and a manager explained discrepency but put through a request to settle and stated she would call me back. much back and forth, many promises, gave a settlement but refused to offer any proof of it, verbal words only which new lender could not act upon. Took two months and many times of me calling back because i did not get call backs. Told that late fees and credit reporting would be take care of per them. more missed callback and failed communication. From XX/XX/XXXX to XX/XX/XXXX and payments made BUT applied to principal. Despite my stressing a sense of urgency every 2-3 day promise was more then a week and I ended up having to call back. DID respond via email to my new lender stating they would look into accommodating their request and get back in 2-3 days which they never did, nor did they respond to followup messages. New lender did not process anything due to their failure to respond w/o entire offer finally fell apart. Chrysler then offered a two month payment waiver to eliminate need to back-pay the time this was being negotiated, but failed to send paperwork to do, also promised would look into waiving insurance for that period and get a manager to contact me back in two days. Which again did not happen and when i called back was told they had decided to decline sending the exception after all. Chrysler is refusing to do anything to make good on their issues and is listing me as past due with late charges. My XXXX credit score is also now XXXX which leaves me unable to have any further loans and also impacts my small business credit score as well.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

XXXX has 5 different account on my credit file for the same loan. 

XXXX. XXXX is reporting incorrect amounts, dates, and account numbers are showing different on each report. I have not received any documentation in regards to how this account was verified and what method was used.

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 than 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