23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/2017 I filed a complaint with Capital One, where it was discovered that my own father stole my identity and acquired three credit cards. Two of these cards were with Capital One. Capital One removed all references to these debts on my credit reports, and I assumed that Capital One would turn over the identity theft issue over to the Federal Bureau of Investigation. Now I receive a letter from a law firm known as XXXX XXXX XXXX, XXXX. out of XXXX, Florida. The debt is not valid pertaining to me, and Capital One knows the facts, they removed the accounts from my credit reports, and it is their responsibility now to pursue charges against my own father. I demand a retraction of this collection attempt, and for Capital One to purge any reference to my name and social security number immediately. The Consumer Financial Protection Bureau needs to see just how easy it is for law firms operating as collection agencies can ruin a person 's creditworthiness so quickly. I demand the purging of my information from Capital One and XXXX XXXX XXXX, XXXX. immediately.
Product: Checking or savings account

During a trip to XXXX XXXX for a family funeral, I accidentally left my phone at a local XXXX XXXX. Upon realizing my mistake, I called the store, and they kindly informed me that my phone had been found and was being held for me. I returned to pick it up around XXXX PM. However, when I got home, I noticed several unauthorized charges from XXXX. I immediately reported the issue, and the representative informed me that my card had been used via XXXX XXXX. I promptly removed my card information from all applications and ordered a new card, refraining from adding it to any payment platforms. A few days ago, I received a call from Chase while at work, but no message was left, and when I attempted to return the call, the number was unreachable. I contacted their XXXX XXXX  and was told a message would be relayed to the XXXX. This evening, I was alerted that my credits had been reversed, causing my account to become overdrawn. This is blatant fraud and incredibly shady on Chase 's part. As a military family living paycheck to paycheck, we can not afford to keep allowing Chase to enable fraud, only to be penalized and held responsible ourselves. How is this legal? How are we being protected? Chase doesn't truly investigate ; they just tick off a checklist to appear compliant. Unfortunately, this isnt my first negative experience with Chase. On a previous occasion, while I was in a college library in California, I bought a smoothie, and within seconds, I received a text alert that my card was used on a website in Texas. Despite reporting it and following the same process, Chase reversed my credits within a week, claiming there was nothing they could do.
Product: Payday loan, title loan, or personal loan

I was contacted by a " courier service '' telling me they needed to serve me with papers for check fraud and other offenses. Also contacted 2 of my family members and told them I put them down as references, which I did not. When I called back they sent me to Amercian credit financial LLC. They told me the only option I had was to pay them in full or a {$300.00} down payment and {$100.00} a pay check or I would be  arrested. I mistakenly set up a payment arangement, but all of the paper work they have sent me doesnt seem legit.
Product: Credit reporting, credit repair services, or other personal consumer reports

show tooltip button XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX  XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute all filed ftc
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple times within the past 4 months to correct multiple collection agencies reporting the same debt with Transunion and XXXX. I filed a dispute with both Transunion and XXXX to correct this problem and validate which collection agency is still actively collecting the debt. They have refused to remove the double reporting of the same debt, from the original creditor XXXX at XXXX XXXX, by multiple collection agencies. The two collection agencies reporting the same debt as active and open are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX as $ {$11000.00} and also the following collection agency XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX as {$8500.00}. The original creditor for this debt is XXXX at XXXX XXXX. This double reporting is a violation of FCRA and should be corrected by these credit reporting agencies as it is very adversely effecting my credit score.
Product: Credit reporting

XXXX ( parent company, Sterling XXXX Company ) is reporting information on you consumer file that is inaccurate and surpass its statue of limitations governed by the FCRA and the FTC. This company is reporting information about me with false information disclosing this falsified information to my employer. This company is indicating information from XXXX TWENTY SIX ( 26 ) years ago just because my name matches their database. Additionally, they are reporting information that is almost TEN years old on a name match in the State of New York, XXXX XXXX. I am requesting they cease their abuse and clear violations of the FRCA.
Product: Credit reporting or other personal consumer reports

These companies accessed my credit report without my permission, which has negatively impacted my credit score. I reached out to XXXX, and a representative said they would remove the inquiries, but theyre still there. These unauthorized and fraudulent inquiries are causing me anxiety, as I worry I might be a victim of identity theft, adding unnecessary stress to my life and further hurting my credit score.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX TX XXXX Dear Experian Customer Service XXXX I hope this letter finds you well. I am writing to formally request an investigation into negative items on my credit report and to address an incorrect address related to a recent data breach. 

My name is [ XXXX XXXX ], and my Social Security Number is XXXX. Upon reviewing my credit report, I have identified several negative items that I believe are inaccurate and may not be mine. Furthermore, my credit report contains an address that is not associated with me due to the impacts of this data breach. 

The specific incorrect address that needs to be removed is : I kindly request your assistance in conducting a thorough investigation into these negative items, as well as the removal of the incorrect address from my credit report. Attached, you will find any relevant documentation to support my claims, including [ list any documents, such as a copy of your credit report highlighting the incorrect entries and address, proof of identity, proof of residence, etc. 

It is imperative that my credit report reflects accurate information, as I am actively working to maintain my financial reputation. I appreciate your prompt attention to this matter and look forward to your timely response. 

If you need any further information or documentation, please feel free to contact me at the phone number or email address provided above. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

I paid this debt off inXX/XX/2020 I wasn't even aware I had a bill until XX/XX/2020and I paid it immediately. This is negatively hitting my credit report and I am beyond upset about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters since XX/XX/2020 and there has been no acknowledgement of the dispute process even beginning. I recently puulled my report and discovered a few inaccurate misleading items. I was also made aware in the process that my information was compromised in the XXXX  data breach. Now more than ever I am convinced my information has fallen into the wrong hands. I have made several attempts to resolve this matter. Litigation is my next attempt to get these erroneous item removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Experian. 

I am unable to lock my credit with Experian. Their website is XXXX and seems primarily intended to get you to subscribe to their paid services, which presumably are easier to navigate than the free service. Experian requires a PIN to lock credit, but I do not have a PIN, and every time I try to search for the mechanism by which I can get a PIN issued ( or reissued? ), it sends me in a circle. Meanwhile, my credit report with them is unlocked, and my credit is unprotected! 

If credit reporting were the responsibility of the US government, and the government did as poor of a job as Experian, people would be up in arms. I have no idea why this absolute cabal of extortionary gangsters have so much power in our financial system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel like I'm being taken advantage of by being ignored in my arguments. It is clearly stated on XXXX that failure to investigate an item within 30 days would result in its removal from my credit report.
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, it is necessary to remove any incorrect accounts from my credit report. Could you please examine the documents? Some of the listed accounts contain inaccurate reporting, including incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, GA XXXX I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. 

The following inquiries were not done on my behalf : Credit Inquire Disputes 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 XXXXXXXX XXXX XXXX/XXXX/XXXX Account Dispute XXXX OTHER/ MEDICAL {$1100.00} XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

I am requesting, concerning FCRA 611 ( a ) ( 7 ) A description of the procedure ( s ) used by your agency in my earlier disputes.

All the information you used for your investigation, as FCRA 611 ( a ) ( 7 ) required.

Written proof that you forwarded all the relevant information in my earlier disputes to the creditor. FCRA 611 ( a ) ( 2 ) ( B ) If such information can not be provided within 30 business days, I demand the complete removal of the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized hard inquiries on my credit report. Listed below are the companies and dates : XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRUIST Bank XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I submitted a dispute to XXXX. On XX/XX/XXXX XXXX submitted a result from my dispute. The dispute is in regard to a bankruptcy that is reporting on my XXXX credit report. The dispute results states that LexisNexis supplied the information of the bankruptcy to XXXX. Which XXXX has been reporting since XX/XX/XXXX. I did not give any written, un-written, verbal and/or non-verbal consent to XXXX or Lexisnexis to sale and/or purchase this private information and report it on my credit report. Furthermore, according to uscourts.gov, bankruptcy courts do not furnish any bankruptcy information to any third parties. XXXX and lexisnexis both being third parties. Again, I have not given any written, un-written, verbal, and/or non-verbal consent to XXXX and lexisnexis.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( Account Name XXXX & XXXX as shown on your report )
Product: Mortgage

On XX/XX/XXXX I spoke with " XXXX '', a representative for Statebridge Company, regarding the fraudulent placing of forced placed insurance on my property. I was informed by XXXX and a Team Leader, " XXXX '', that a check was sent on XX/XX/XXXX to reimburse me for the total amount I was wrongfully charged, beginning in XX/XX/XXXX thru XX/XX/XXXX. It has now been 15 days since Statebridge allegedly sent payment for reimbursement and to date, no payment/check has been received by me. In addition, Statebridge has not formally notified me in writing of this ongoing issue and how it plans to remedy their false assessments for forced placed insurance.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX Balance {$25000.00}
Product: Credit reporting or other personal consumer reports

Person information on my Experian account is inaccurate sure as my name it should only be one name on the account. There are different names under id codes : XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX # XXXX these are fraudulent codes under unauthorized names PLEASE HAVE THEM CORRECTED
Product: Mortgage

A continuation of Case # XXXX Despite OCWEN 's acceptance of responsibility for their mistake in accounting and notification, and the fact that I have paid everything on time, when they asked for it, all three credit reporting bureaus are still showing me as delinquent on XXXX 2015 's mortgage payment. I need to have CFPB pressure on OCWEN to make them correct my credit reports.
Product: Vehicle loan or lease

I am writing to dispute the way that a SANTANDER CONSUMER USA account is being listed on my credit report. They are showing a charge off on my XXXX credit report that should not be there. Santander was ordered to remove the listing from my credit report as part of the Attorney General XXXX of XXXX Over {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Deceptive Auto Loan Practices. 

I have tried and waited patiently in the dispute process. I have made numerous calls to Santander, where customer service has mentioned to me that they have nothing on file which would cause this to be on my credit report. The credit bureaus continue to report the charge off and show a on record report till XXXX. At this point there should be no mention of this on my credit report at all. Santander continues to harm me financially by not removing this clear violation of a court order off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX Account # XXXX- paid charge off with Transunion on the following dates XX/XX/2018, XX/XX/2018,XX/XX/2018. 

I received " XXXX '' alerts on the following dates XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018. The alerts stated that " A Negative item listed on your credit report has been removed in your Transunion data '' ( XXXX XXXX is the only negative item on my report ) I looked at the myfico credit monitoring service and saw that the negative item was still reporting on Transunion. ( the charge off is the only negative item on my report ). XXXX customer service said to call Transunion and asked for an explanation as to why this is still reporting, because Transunion clearly transmitted information to XXXX that the negative information was removed and should not be listed in my credit report. 

I called Transunion at XXXX and waited for the prompts to connect me to a Transunion credit specialist, I was repeated connected to customer call centers located either in XXXX or in the XXXX. I tried to explain the situation each time and they opened up new disputes and I received the same results. Verified by creditor.
Product: Credit card or prepaid card

When I applied for the Venmo Visa credit card early XX/XX/XXXX, a {$200.00} bonus credit promotion was included with my application that applied after spending {$1000.00} first three months of account opening. I spent over {$1000.00} more than three months ago and the {$200.00} bonus credit has still not been applied. I originally contacted Venmo  XX/XX/XXXX about this issue and the response I received on XX/XX/XXXX was general/ambiguous but stated an investigation into why I haven't received the credit is taking place. To date, I have not received additional information/response from Venmo. Venmo also doesn't make it easy to find and download correspondence with the company. This is not just about a {$200.00} bonus credit. This is about being able to trust the company I'm doing business with. 

I've also filed a dispute through the XXXX XXXX XXXX on XX/XX/XXXX. The chronology is below : Consumer 's Desired Resolution : Refund ; Billing adjustment XXXX Processing XXXX web XXXX Case Received by XXXX XXXX web XXXX Case Reviewed by 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

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : Account #XX/XX/XXXXXXXX After your investigation the account still is reporting late for XX/XX/2023. However, I for sure paid this account on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following XX/XX/2023. 

I have requested a statement and or proof that I was late on this account and have not received such documentation. 
In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up.

I am requesting that you immediately update this account to paid on time.
Product: Checking or savings account

Im a global HSBC Premier customer. At signing- I was told if I maintain {$75000.00} or more in my accounts, I would not be charged any fees. While maintaining over $ 200k in these accounts- I noticed {$50.00} fees being subtracted monthly for a total of 25 months! I called 3 times and finally had XXXX of these reimbursed- and have called XXXX  times per week and interacted with online chat for the last 3 months - getting nowhere on the other XXXX {$50.00} payments hijacked from the account- a total of {$650.00} is still owed, PLUS the interest lost and accumulated on the accounts for the past XXXX  months. Im in a circular loop with them and can't seem to get anyone to take accountability with the bank. I want to get my money- transfer it- and fully close the accounts. This is very fraudulent activity thats cost me money.
Product: Checking or savings account

On XX/XX/24 at XXXX am I spoke to the representative at XXXX and she stated that in XXXX hours I would have my updated balance letter. After XXXX hours had passed, there was no letter. I called back and spoke to XXXX representatives, who didn't even know what a letter type of letter I was referring to. They spoke with my XXXX and informed me that I have to wait XXXX business days to get the letter in the mail. I know this is false information and the letter can be faxed or sent via email in an encrypted file. I explained how this letter is needed for the mortgage company. These representatives were not helpful kept me on hold for a long time having side conversations with XXXX another. I asked for another XXXX and was told there is no other XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion did not fix or delete the errors I presented to them. They instead elected to scan my dispute letter through their e-Oscar system and leave it at that. They DID NOT conduct a reasonable investigation per FCRA requirements. This dispute letter WAS NOT typed up by a credit repair organization. I have to say that because the CFPB keeps accusing me of using one and closing my disputes. The first attachment is the dispute letter I sent to Transunion. The second attachment is what they sent back.
Product: Debt collection

This company has been reporting negatively on my credit report since 2013. I first recognized it about 2 years ago and disputed. The amount showing is {$270.00}. I have disputed item more than once as well as asked for proof of item, how it was ordered, when it was orderd as well as what the item actually was. Received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : USDOEXXXX XXXX Balance : {$0.00} USDOE/XXXX  XXXX Balance : {$0.00} USDOE/XXXX  XXXX Balance : {$0.00} TransUnion : USDOEXXXX XXXX Balance : {$0.00} USDOEXXXX XXXX Balance XXXX {$0.00} USDOE/XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate Account name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX