23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Through the months of XX/XX/XXXX through XX/XX/XXXX, a contractor in our home was using a Home Depot credit card stored in a first-floor drawer. He rented a sander, bought tools, and parts for his own use over this time period totaling approximately XXXX dollars. During this time not once did Citibank call me to alert me of erratic consumer behavior based on any of my past years. This contractor thief made about 55 purchases in one 30 day period and was shopping in Home Depot stores far from my home. These purchases also exceeded my credit limit and were further allowed to go through, again without any notification from the cardholder company, I reported these fraudulent charges to Citibank who is the bank Home Depot uses. They told me they would take 90 days to investigate and get back to me. I called XX/XX/XXXX, to get the status on the situation as it was weighing me down over the holidays and I wanted to know if it was cleared up. The representative told me the investigation was concluded and the fraudulent charges had been removed, They also told me I had a credit balance and said they would send a check for that amount. XX/XX/XXXX, I received an envelope from Home Depot assuming it was the refund check, The envelope was not a check but a letter stating that the investigation was complete with a different conclusion and that I was held accountable for the fraudulent purchases. I called Citibank/ Home Depot and spoke with three people on XX/XX/XXXX including XXXX , XXXX, and XXXX. All three representatives verified that the account was deemed Fraudulent XX/XX/XXXX. They were confused about the most recent letter dated XX/XX/XXXX, sent to me. They eventually transferred me to a woman named XXXX who said based on her investigation the account is not fraud-related. I expressed that I did not benefit nor ever give permission for anyone to use my credit card. I have since reported this theft and fraud to the police department and am awaiting a detective 's phonecall and police report to attach to this file. The police report number is XXXX, filed with the XXXX, Connecticut Police Department.
Product: Credit card or prepaid card

I recently sent a letter to capital one and disputed this amongst other things with cfpb a month ago and i believe they forgot to remove this wrongly reported late on XX/XX/2022 on my XXXX account which was stated in the letter they received from me and cfpb has on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had before identity theft incident, my identity has been stolen also, my SSN and other financial info, multiple accounts credit cards opened under my name without my knowledge, I have a police report as a proof of that. I request those accounts that does Not belong to me removed from My credit report on transunion credit bureau XXXX XXXX credit bureau/ XXXX credit bureau XXXX 

account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX account : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX  CXXXX  Account Number XXXX XXXX
Product: Debt collection

It is XXXX  XX/XX/XXXX when a debt collector called me I usually ignore these type of calls because I always think they are SPAM calls, but right after I always check my credit report. This time I saw my credit go down and due to a fraudulent account that was open, now I am in the process to fix this identity theft problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX  XXXX XX/XX/XXXX  XXXX XXXX  XXXX XX/XX/ XXXX XX/XX/XXXX  XXXX  XXXX XXXX  XXXX
Product: Debt collection

I am a XXXX for the XXXX XXXX XXXX XXXX  and was injured on my job and was unable to make credit card payments for about 3 months due to financial difficulty as a result of my injury. The Months the payments were not made were XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018. 

I did not receive any notification stating that my account had been closed down. I also never knew that there was a certain time frame to dispute those changes that were made to my account. 

I have been a customer with Wells Fargo since I was XXXX years old so about 12 years. I have never had any late payments prior to that Incident. This is now reflecting negatively on my credit score and as a result of that is is making it incredibly difficult to get a good rate when trying to finance my home as rates keep increasing every day. 

I have gone into a branch and no one was able to help me re open my credit card and excuse the late payments due to my specific circumstances. I was told that I only had 19 days in order to dispute the closed down credit card and am unable to have it get re opened. And I was told in the wells fargo branch that I am Unable to get those late charges reversed because my account is closed down. 

I then decided to call Wells fargo customer service on Today 's date of XX/XX/2018. At XXXX XXXX I spoke with someones named XXXX and was also told that I can't re open my credit card after 19 days of it being closed down and I would have to re apply for a new credit card. XXXX did say she would submit paperwork to the credit bureau which would take 1 week and possibly up to 30 days to hear anything back, at which point I asked to speak with a supervisor. 

At approximately XXXX on XX/XX/2018 I spoke with XXXX who is a supervisor and was told that I had 30 days in order to re open my account after it has been closed down which is conflicting information. I am irritated because I was not notified that my account was closed down and that I had time to dispute it. I was advised by XXXX that I should contact a credit repair agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX XXXX XXXX is obligated by the FCRA to report accurate accounting, Consumer has advised that ALL inquiries and collection acct reported was fraud. Said company has XXXX days according to the Law to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Equifax, XXXX XXXX XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, Equifax, XXXX XXXX XXXX has XXXX days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an XXXX report, if Equifax, XXXX XXXX XXXX does not have documentation to show these were in fact authorized, it must be removed as soon as possible. SAID company is liable under the SEC to follow certain rules. Equifax commission file number XXXX :, XXXX XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX file number XXXX : XXXX XXXX  Inquired on XX/XX/ XXXX XXXX XXXX XXXX, XXXX Collection Acct XXXX XXXX I Original creditor : XXXX XXXX XXXX Balance {$4100.00} Account XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX a federally protected consumer am opting out of any and all reporting of my non personal information.15 U.S. Code 6801 - Protection of nonpublic personal information I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' nonpublic personal information Definition means : ( XXXX ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section XXXX of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. 

15 U.S. Code 6805 - Enforcement U.S. Code ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the XXXX XXXX XXXX XXXX XXXX, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : please remove the following information and accounts from my consumer report that are attached.
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint regarding the conduct of a third-party collection agency in relation to a closed credit account. The actions of this agency have raised serious concerns regarding their practices and the legality of their actions. 

The Creditors XXXX XXXX, XXXX XXXX XXXX XXXX XXXX are calling and harassing me about paying the closed accounts of the original creditors for XXXX XXXX XXXX XXXX XXXX XXXX. The 3rd party agencies have been adding small dollars and cents to the collection amount to keep it afloat. 

Despite the account being closed and no further activity occurring on them, I have been informed by the third-party collection agency that the amount owed has significantly increased. This sudden escalation in the debt amount is deeply troubling and raises questions about the validity and legality of their actions.
Product: Student loan

I submitted updated applications and certifications for both XXXX XXXX XXXX XXXX ( XXXX  ), as well as XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) under terms of new eligibility requirements introduced through the new " Limited XXXX  Waiver '' introduced by the Department of Education in XX/XX/XXXX. 

I submitted my updated applications and employment certifications in XX/XX/XXXX, verifying that I have been employed by approved XXXX XXXX XXXX nonprofit organizations for more than 10 years, ( from XXXX through the present, XX/XX/XXXX ) while making regular student loan payments, with some short periods of forbearance. 

In XX/XX/XXXX, my student loan servicer, FedLoan Servicing, informed me that my XXXX  and XXXX  forgiveness applications were denied because my total number of " qualifying '' payments did not total XXXX. However, my total number of eligible and ineligible payments is more than XXXX ; under the new terms of the XXXX XXXX XXXX, these payments should be approved as qualifying. They were rejected by FedLoan Servicing as " not qualifying '' because I had either 1 ) an " ineligible repayment plan, '' or 2 ) because my payment " was received outside the payment period window. '' The terms of the new XXXX XXXX XXXX state that all federal direct student loan payments -- regardless of the type of repayment plan -- are qualifying, with the approved employment certification. Late or incomplete payments are also eligible and should be approved as qualifying, with approved employment certification. 

Thus, under these expanded terms of the Limited XXXX  Waiver, my current total of " qualifying payments '' should be updated to well over XXXX -- to include all payments I made under a previously ineligible repayment plan and all those I submitted slightly late. My application for loan forgiveness was inaccurately denied under the expanded terms of XXXX XXXX. My qualifying payment count should be updated acccordingly, my XXXX application should be approved, and my loan should be discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible
Product: Credit reporting or other personal consumer reports

i recently logged into my Experian credit file for to see a fraudulent XXXX XXXX account reporting a debt, i've made several attempts for an investigation from Experian, approx XXXX mins after i submit a dispute, i receive an automatic bot reply, which says The company that reported the information has certified to Experian that the information is accurate. Experian is using FAKE auto generated messages to respond to my disputes and there is no real person investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago a charged off account was being reported by XXXX XXXX XXXX XXXX on my consumer credit report aswell as XXXX XXXX.I sent a correspondence to the Collection Agency and the charged off account was removed from my XXXX consumer report. Now the same account has reappeared on my XXXX consumer report this time it 's being reported by Fifth Third Bank XXXX. This is a direct violation of the FCRA and I would appreciate if the Consumer Financial Protection Bureau can look into this matter ASAP.
Product: Credit card or prepaid card

I had American express card num. XXXX they close the account. Because I do not paid a balances. I ask information about the debt, They explain the type of debt. is about {$65.00} I response they do not send any bill to my address and if I do not receive the bill is impossible to paid. Then we agree, American express will send me the bill and I will send the paid. 
But the close the account and sent incorrect information a to credit scores company, meaning that show that I do not paid the bill.
Product: Debt collection

The account youre attempting to collect on has been disputed. The accounts balance has increased in the months since appearing on my credit reports although the account is closed and in collections and is non interest bearing. This is factually incorrect and evidence thereof can be found in my monthly credit report depicting the balance increase. I have the right to accurate reporting as provided by the FDCPA.
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 ( XXXX  ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. The accounts in question are : XXXX XXXX XXXX account number XXXX in the amount of {$630.00} XXXX  CREDIT SERVI account number XXXX in the amount of {$2200.00} XXXX XXXX XXXX account number XXXX in the amount of {$520.00}
Product: Checking or savings account

XX/XX/2019 deposited check via smartphone and bank says funds will not be available until XX/XX/XXXX. Branch manager had no explanation, appealed to executive offices and complaint was assigned to XXXX XXXX ( XXXX ). He said same - 9 day hold with no explanation.
Product: Debt collection

I have paid off the collection LVNV FUNDING, LLC of {$50.00}, but it is still showing on all three credit bureaus as a derogatory mark due to past late payments. This is hurting my credit score and need it removed permanently. I am in the process of buying a home and this collection is hurting my chances of receiving a loan.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my XXXX XXXX XXXX I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXXXXXX Account Name : XXXX XXXX  Account Number:XXXX and list of Inquiries. 

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: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Fraudulent Accounts on Credit Report Due to Identity Theft Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding fraudulent accounts that have appeared on my credit report due to identity theft. The following accounts, which do not belong to me and were opened without my knowledge or consent, have negatively impacted my credit report and financial standing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I became aware of these accounts after reviewing my credit report and immediately took steps to dispute them with the credit bureaus, but these disputes have not been resolved satisfactorily. I believe my personal information was used without my permission, and I request your assistance in ensuring that these accounts are removed from my credit file. 

I have also taken the following actions to mitigate the impact of this identity theft : Filed a police report regarding the identity theft. 

Submitted identity theft affidavits to the credit bureaus. 

Contacted the creditors directly to report the fraudulent activity. 


Despite these efforts, these accounts remain on my credit report, affecting my credit score and ability to obtain financial services. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that these accounts are removed from my credit report as soon as possible. Please let me know if any additional documentation or information is needed to support my claim. 

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

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I recently opened an Auto Loan with Mazda Financial Services ( MFS ) for a new car. Shortly after opening the loan - XX/XX/21 - I received a Privacy Notice from MFS regarding my Privacy Rights and my right to limit the sharing of marketing information to their affiliates. 

On XX/XX/21 I responded that I wanted to limit the sharing of my personal information for marketing purposes to MFS affiliates and non-affiliates. I requested a letter or email to confirm this change had been made. 

On XX/XX/21 I called MFS Customer Services to inquire why I had not received the requested notice. The Customer Service agent informed me she saw the requested change had been made to my account. When I again requested a written confirmation of this change to my account I was told that MFS did not send confirmations of those changes. 
I consider this a significant change which ensures I protected my privacy to the extent allowed by law. I do not know why a confirmation was not sent. If I had changed my financial contact information I am sure I would receive a written confirmation. I consider my privacy rights every bit as important. I am not satisfied when I can not receive a confirmation of changes I made in that area. It causes me to suspect a motive - not beneficial to my request - on the part of Mazda Financial Services.
Product: Money transfer, virtual currency, or money service

To help an individual with XXXX I sent a few dollars regarding their employment issue to obtain a job. The recipient told me that 15 % of the transaction is being taken this 15 % is not discussed or disclosed by anyone prior to being able to make a decision or choice to use this app or service once I spoke to the company as to what is happening with this 15 % being taken, I was not provided with a sufficient answer at My Account was subsequently closed as in retaliation. About this matter.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. XXXX XXXX XXXX Balance : {$290.00}.
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX XXXX transferred {$1200.00} from my Chase bank account for purchase of a XXXX XXXX XXXX. I immediately contacted chase bank. They informed me nothing could be done as monies were already transferred. Also she rcvd 3 gift cards for delivery totalling XXXX