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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$720.00} 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: Student loan

On XXXX/XXXX/2016 I attempted to set up auto pay on the Navient website. They said it was not available. I waited until XXXX to try again. They have already marked my payment late. This is the second time since they took over the loan I have been prevented from making a payment and been marked late. My loan was suppose to be income sensitive. It has lost that status since they took it over.
Product: Credit reporting

Three years ago I went to the XXXX for one day. I paid all bills associated with this visit and am now being contacted by a creditor claiming they purchased my " debt '' and are looking to collect. I claim that these bills never existed and wish to restore my credit and absolve myself of these false accusations.
Product: Credit reporting or other personal consumer reports

You are unable to setup auto payments online with Wells Fargo unless you are a banking customer if theres. I am not a banking customer, so I called in to request the forms to set up auto pay. The first time I called I was never sent the forms. The second time I called in the representative room my account number and set up 3 months worth of payments to come auto automatically on my due date until the autopay paperwork was processed. I believe the payments would have been for XX/XX/2023, XX/XX/2023, and XX/XX/2023. She then took my bank account number, and set up the payments for those 3 months as that was the longest time period she could do so. 

I have called Wells Fargo now 3 separate times and created 3 separate cases. The first 2 cases I was told that it was an error after they listened to the recorded phone call, and that they would remove the late payments from my credit report. I called again today as I had my credit report pulled and it is still showing the late payments on the report and I was given a new case number. Each time I have called I was told I would receive a phone call and mail correspondence showing the error had been fixed. I have yet to receive a signal phone call or any written correspondence. 

I am now under contract to purchase a new home, and the error in reporting is putting that in jeopardy. 

Please let me know if you need anything additionally to help correct this.
Product: Credit reporting or other personal consumer reports

I HOPE THIS FINDS YOU WELL. I AM WRITING TO BRING TO YOUR ATTENTION A MATTER OF CONCERN REGARDING UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT HELD BY XXXX XXXX, XXXX AND EXPERIAN. 

UPON REVIEWING MY CREDIT REPORT, I DISCOVERED SEVERAL CREDIT INQUIRIES THAT I DID NOT AUTHORIZE OR INITIATE. THESE UNAUTHORIZED INQUIRIES HAVE RAISED CONCERNS ABOUT THE SECURITY OF MY PERSONAL CREDIT INFORMATION. TO PROVIDE YOU WITH MORE CONTEXT, THE UNAUTHORIZED INQUIRIES APPEAR AS FOLLOWS 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 

I UNDERSTAND THAT XXXX XXXX, EXPERIAN AND XXXX TAKES ITS RESPONSIBILITIES SERIOUSLY WHEN IT COMES TO THE ACCURACY AND INTEGRITY OF CREDIT REPORTS. UNAUTHORIZED INQUIRIES CAN NEGATIVELY IMPACT AN INDIVIDUAL 'S CREDITWORTHINESS AND FINANCIAL SECURITY. TO ADDRESS THIS MATTER EFFICIENTLY AND AVOID UNNECESSARY COSTS ASSOCIATED WITH LEGAL PROCEEDINGS, I AM PROPOSING A RESOLUTION THAT WOULD BENEFIT ALL PARTIES INVOLVED. 

ARBITRATION, AS YOU ARE AWARE, CAN BE AN EXPENSIVE AND TIME-CONSUMING PROCESS. IN THE SPIRIT OF RESOLVING THIS ISSUE AMICABLY AND TO THE SATISFACTION OF ALL PARTIES, I KINDLY REQUEST THAT EXPERIAN, XXXX AND XXXX CONSIDER THE FOLLOWING : 1. REMOVE THE UNAUTHORIZED INQUIRIES : I ASK THAT THE CREDIT AGENCIES PROMPTLY REMOVE THE UNAUTHORIZED CREDIT INQUIRIES FROM MY CREDIT REPORT. THIS ACTION WILL HELP TO RECTIFY THE INACCURACIES ON MY REPORT AND ALLEVIATE ANY POTENTIAL HARM TO MY CREDITWORTHINESS.

2. COOPERATION AND GOODWILL : IN RETURN FOR EXPERIAN, XXXX AND XXXX XXXX  COOPERATION IN REMOVING THESE UNAUTHORIZED INQUIRIES, I AM WILLING TO FORGO ANY FURTHER ACTIONS, INCLUDING ARBITRATION OR LEGAL PROCEEDINGS, RELATED TO THIS MATTER. THIS APPROACH WILL SAVE BOTH PARTIES THE EXPENSES ASSOCIATED WITH SUCH PROCESSES. 
I BELIEVE THAT A MUTUALLY BENEFICIAL RESOLUTION CAN BE ACHIEVED BY ADDRESSING THIS ISSUE PROMPTLY AND EFFICIENTLY. BY REMOVING THE UNAUTHORIZED INQUIRIES, WE CAN MAINTAIN THE ACCURACY AND INTEGRITY OF MY CREDIT REPORT WHILE AVOIDING UNNECESSARY COSTS AND POTENTIAL LEGAL DISPUTES.
Product: Credit reporting

i'am filing a complaint against Experian Credit Reporting Agency , they have ignored my request to provide me with the documents that their company has on file that was used to verify these accounts. under SECTION 611 ( 5 ) ( A ) of the FCRA -- they required to ''prompty delete all information which can not be verified '' that i have disputed. Please resolve this manner as soon as possible. THANK YOU SO MUCH ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX 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

The account was open on XX/XX/2021 and closed out XXXX XXXX. 
The car was a XXXX XXXX which has a life time warranty on the motor and transmission. 
The motor blew up and I had it towed to Car Mart where I purchased the vehicle from. 
They kept it in the shop for over a month before telling me I had 2 choices : A : keep the vehicle and allow them to put in a used motor with no warranty at all coast to me. Which they estimated around {$4000.00} to be added to my existing loan. They where trying to gouged me. 

B : let them put me in a new vehicle, start my loan and my warranty over again. 

They assured me this would not effect my credit and it immediately dropped my score XXXX points. I need this to be deleted from my credit report asap if at all possible. It is effecting me buying a house. Thank you in advance XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 an account without written instructions. 

The following information is incorrect : XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX The following information is incorrect : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX The following information is incorrect : XXXX. XXXX XXXX ( Employer ) TransUnion has removed has this false information ( addresses ) XXXX XXXX XXXX XXXX has removed this false information ( addresses and employer )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

On XX/XX/XXXX, I used a discovery credit card to purchase XXXX XXXX XXXX gift card on the gift card website ( XXXX ). The total amount ( $ XXXX {$20.00} ) According to the description on the gift card website page, the gift card can be used in local stores At the checkout counter, I went to the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX that afternoon. The clerk tried several times and told me that the gift card could not be used. 

I had no choice but to go to the XXXX store across the street and use the same discovery credit card to buy a car battery I contacted the seller XXXX XXXX XXXX XXXX  ( ( XXXX  ) and told the seller that these gift cards are not as described on your website and can not be paid at the local store cashier. I want a refund. The seller does not agree to a refund. 
I contacted the discovery credit card and initiated Dispute ( Dispute # XXXX ) ( Dispute # XXXX ) Discovery credit card told me the result today, I have to pay these two bills
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experienced identity theft. Please look into the following reports for me as I have already filled out a report.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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: Credit card or prepaid card

I opened a card with Citi bank ( citi premier card ) on the promotion page which offered XXXX bonus points once I spend XXXX dollars in 3 months. I met those requirements and none of the terms and conditions disqualified me from the promotion. I called Citi bank on XXXX and a supervisor advised me that he saw that I opened it on the promotion page but was going to look into it and call me back within 2 hours. I did not receive a call back. On XXXX I called again and the supervisor I spoke to told me that the back office decides who gets the promotion even though the website shows that the promotion is not limited to a certain population. He could not give me any information or offer me any help.
Product: Checking or savings account

I was charged overdraft fees even after I already had them and I went into the branch to cash a settlement check to pay my overdraft fees and I was turned away which I Never Understood!!!! Who Turns Down money at a Bank when that old customer owes it that Blew my Mind Ive been to other banks that is you owe for overdraft fees even after a period of time theyll let you come in with a check to cash so you can pay the overdraft fees, but I guess Wells Fargo Isnt One of Them and when I went to pay the overdraft it was more than what I was told when I talked to the Banker over the phone before I even went to the bank!!!!
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXXccount number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXccount number : XXXX 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. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit card or prepaid card

I checked into a hotel, XXXX XXXX XXXX, on XX/XX/2021. They required a room deposit of {$350.00} at check-in. I then placed the deposit hold on my Ace Elite Prepaid NetSpend Card. I then checked out of the hotel on Friday XX/XX/XXXX. When I checked out I had a XXXX balance due because No Charges were made to my room! The hotel said the {$350.00} would be released within 24 hours, but when it goes back into my account is based on my bank. 

It is now XXXX the XXXX and NetSpend has yet to release the hold and refuses too!, I even e mailed them 2 different portfolios from XXXX showing that I have a XXXX balance due, and they still wont release it! I am beyond frustrated!!!!! Its been over 2 weeks since I checked out!! If money were due, the hotel would have taken it long before now. I have been with NetSpend over 10 years and have deposited over {$500000.00} into my account with this unethical company. I want my money. Period!
Product: Credit reporting, credit repair services, 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. 

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 XXXXXXXX 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.
Product: Payday loan, title loan, or personal loan

On or about XX/XX/2018 my employer received a wage assignment demand notice signed by Kashia d/b/a XXXX XXXX stating I owe XXXX and it was sent direct to my my employer via fax. I had no idea what this was about it states loan number XXXX XXXX with an account Specialist of XXXX and an email XXXX my employer brought this to my attention because it was not a court order it came from this XXXX  and they thought it sounded fishy so I did some research and I was told it was taken out XX/XX/2018. They also included info that this wage assignment is revocable at will so I attempted to email this XXXX at the he bread mail provided with no success it came back twice. So I wrote a revication letter and mailed it and my employer did receive revocation request I have been trying to figure out where to go with this request to file complaint but I'm not getting anywhere no one 's responding back to me ; nothing received f I'm anyone, so I filed a scam with the XXXX XXXX XXXX and they said thank you and they were made aware of it I haven't heard from his company since but I'm afraid they're going to come back and start all over again I did not talk to anybody from this company in XXXX so I have no idea where this came from and I've had some issues with my credit union my debit card has been hacked about 5 times now so I've got new debit cards from them so I just need to file this complaint so this doesn't happen to me with this company again if  someone could help that would be great. 
Thank you
Product: Checking or savings account

I opened a chase account and did direct deposit XX/XX/XXXX my deposit hit and tried to log in but it said due to suspicious activity we closed your account HOW IS THAT SUSPICIOUS WHEN ITS FROM MY JOB? I have been calling all week to get my money and the reason why the closed my account no answer. Monday I went in a branch and they couldnt tell me sooo I talked to a representative over the phone XX/XX/XXXX and told me my funds will be mailed a check and will get it Thursday said ok hung up. Friday I get a call saying that I could go pick up my funds from a branch WHAT BANK JUST SIT THERE AND LIE ABOUT YOUR FUNDS CAN BANKS JUST DO THAT NOW TO PEOPLE I HAVE BILLS TO PAY WHICH IS SETTING ME BACK I WENT TO THE BRANCH AND THE BRANCH TOLD ME NO LIKE THIS IS RIDICULOUS IM HAVING A HARD TIME OF GETTING MY MONEY NOW I HAVE TO WAIT XXXX business days
Product: Vehicle loan or lease

In XXXX he took out a car loan with First Bank Puerto Rico. In XX/XX/XXXX I had a car accident where the unit was declared total loss and the Insurance paid in full ( GAP ) to the bank. Since that time, said bank has reported different versions to the credit agencies where the last thing they have done has been to update an alleged debt of {$7700.00} where they converted a car loan into a personal one, even informing that I recently stopped paying which is not true. This banking institution is well known for this type of tricks and false information towards former clients or people who have had similar situations to mine. At the same time, I have communicated with these people, which I have received from them, they have been threats, they have even told me to stop all procedures in the credit agencies. 
Mode of operation the person has an accident, the unit is declared a total loss, they collect the gap and additionally wait a few months later and install a new debt in the credit agencies when they have already collected the total loss of the unit. 
I hope you can investigate this situation as I am not the only person who has been through this .I have tried to get this bank to fix the information on my credit but what they have done is threaten me and change the information by reporting fraudulent information. In all the credit agencies I have objected to the information that appears for which I have a history of claims and what this bank has done is update the information and put it as if it were recent or they are reporting false information
Product: Credit reporting, credit repair services, or other personal consumer reports

It says length of time accounts have been established- I have/had very few late payments always paid everything in full.     Number of accounts with delinquency- I 've only ever have/had  XXXX  bank accounts and never have I not paid.  <P/> Proportion of loan balance to loan amounts of is too high- The only loan I signed up for was through my bank and it was a credit builder but it 's done nothing but jack mine up and make it harder for me to get a card.  <P/> And then lastly too many inquires- I 've only applied to a few.