23daVinci/CFPB_Complaints huggingface dataset:
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. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Synchrony Bank they do not respond to my requests tried to negotiate lower payment no answer. Balance keeps increasing do not have or use card
Product: Credit reporting or other personal consumer reports

Date of inquiry:XXXX Delete!! 


Unathorized inquiry XXXX Date of inquiryXXXX Delete!! 


Unathorized inquiry. 
XXXX Date of inquiryXXXX Delete!! 


Unathorized inquiry XXXX XXXXXXXX XXXX Date of inquiry:XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX  Date of inquiry:XXXX Unathorized inquiry XXXX XXXX Date of inquiryXXXX Delete!! 


Unathorized inquiry XXXX XXXX Date of inquiry:XXXX Delete!! 


Unathorized inquiry XXXX Date of inquiryXXXX Delete!! 


Unathorized inquiry XXXXXXXX XXXX XXXX Date of inquiry:XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX XXXX  Date of inquiryXXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of inquiry:XXXX Delete!! 


Unathorized inquiry XXXX Date of inquiry:XXXX Delete!! 


i noticed this issue in XXXX correct information needs to be removed : XXXX XXXX XXXX # XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNDER 15 USC 1666b THIS LATE PAYMENT ENTRY IS A VIOLATION. I HAVE BEEN INCORRECTLY BILLED. 
XXXX XXXXXXXX Account NumberXXXX please update the status of this account to " paid on time ''. 


Under 15 USC 1666b this late payment entry is a violation.I have been incorrectly billed. 
XXXX Account NumberXXXX Please update the status of this account to " paid on time ''. 


Under 15 USC 1666b this late paymententry is a violation.I have been incorrectly XXXX Account Number:XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXXXXXX Account Number:XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXXXXXX Account Number:XXXX Please update the status of this account of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX Account NumberXXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX Account Number:XXXX Please update the status of this account to " paid on time '' This account needs to be validated. 
XXXX Account NumberXXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Chase Bank regarding their unauthorized sharing of my private information with third-party companies. Despite my explicit request to opt out of such information sharing, Chase Bank has continued to disclose my personal data, which constitutes a violation of my privacy rights and a breach of trust. 
On XX/XX/2024, I submitted a letter to Chase Bank clearly stating my desire to opt out of any sharing of my personal information with third-party entities both affiliates and non-affiliates. I have attached a copy of this opt-out letter for your reference. Despite providing this notification, I have recently become aware that Chase Bank has continued to share my information with third parties without my consent. 
This unauthorized sharing of my private information not only undermines my privacy rights and is a direct violation of their own terms and conditions, but also exposes me to potential risks such as identity theft, unwanted solicitations and caused me to be denied a new bank account at another bank. As a consumer, I expect companies to respect my privacy preferences, follow their own terms and conditions, and adhere to applicable laws and regulations governing the protection of personal data. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate enforcement action against Chase Bank for its failure to comply with consumer privacy regulations and their own terms and conditions. I request that Chase Bank be held accountable for its actions and take immediate steps to rectify the situation, including ceasing all unauthorized sharing of my personal information, correcting and removing my personal data from third party affiliates and non-affiliates, implementing robust safeguards to prevent future violations, and compensate me for each transaction reported that intentionally violated the privacy laws, my opt out request and/or their own policies, terms, and conditions which prevented me from opening a new account. It is so humiliating to be denied a bank account due to Chase Bank sharing inaccurate and derogatory private information about me. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take prompt and decisive action to address this issue and protect the rights of consumers as well as provide monetary relief for blatant disregard of the law. 
Sincerely, XXXX XXXX
Product: Debt collection

I've disputed this account several times because I have no knowledge of these accounts ( 2 ) with this collection company. I have always had insurance and so I sent them a certified letter on XX/XX/2021 and it was hand delivered to an actual person on XX/XX/2021 at XXXX. In this letter I requested for the company to send the appropriate proof that they are attempting to collect from the correct person. I also asked form them to provide in writing what the money they say I owe is for with a full break down of the calculation and provide copies of any documents with my signature stating I agreed to pay them what they say I owe. 

I have yet to receive any documents or response to my letter. I am requesting the account be properly validated as mine or be deleted immediately from my credit reports. I should not be held responsible for something that can not be proved as mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three accounts on my Experian, XXXX, and XXXX report that needs to be removed because they are aged past the 7 years it is supposed to be reporting on my credit report and they are all reporting inaccurately. Please remove. 

XXXX - XXXX **** USDOEXXXX - XXXX** US DEPT OF EDU - XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  it is reported a late payment. That information is inaccurate. Payment was sent on time. Company continues to provide false information on my account My rights has been violated for a second time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Opened XX/XX/year> {$23000.00} My information may have been impacted by the XXXX, TransUnion and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. 
2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

If These items are not deleted I hold each credit bureau responsible and will take legal action on all credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Items were deleted and put back on my credit account As I mentioned above I will like the actual steps you have taken to investigate this matter as well as the proof you received from the company if such investigation did not exist I will sue for monetary compensation I ask for immediate deletion Respectfully XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously requested that XXXX XXXX XXXX, XXXX provide validation of the alleged debt that they are falsely reporting on my credit reports. I requested proof of the original signed contract between me and the original creditor on XX/XX/year>. XXXX XXXX XXXX XXXX sent information via mail on XX/XX/year>, that just included a bill from the original creditor. The requested documentation that I requested ( the original contract with the original creditor that bears my physical signature ) was not provided. Therefore, this needs to removed from my credit report IMMEDIATELY as my rights have been violated under the Fair Debt Collection Act ( FDCA ). None of the information that I requested was provided to validate this alleged debt.
Product: Credit reporting or other personal consumer reports

Credit Inquiries on my credit report that i dont reocgnize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a phone call from Transworld Systems Inc. on XX/XX/2020. The automated voice message was from someone called XXXX requesting that I call phone number XXXX. The message said they were trying to collect a debt. The message said I should call them. I do not owe any money to this entity. They are also reporting false information on my credit report. I do not have any outstanding balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE ATTACHED MY CREDIT REPORTS WERE THE FRAUD IS SHOWING, I HAVE FRAUDULENT NAMES, ADDRESSES, AND ACCOUNTS. ( FRAUDULENT ACCOUNTS, XXXX XXXX, XXXX, XXXX, XXXX, ( 2 ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ). I ATTACHED MY DRIVER LICENSE TO SHOW YOU HOW MY NAME IS SPELLED AND MY ONLY ADDRESS PLEASE UPDATE
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon completion of Equifax investigation, XXXX XXXX didn't fix nor delete the inaccurate and incomplete inconsistent reported account detail information regarding my account, they re-update and verified as accurate information in my credit file false incomplete and inaccurate and inconsistent account detail information. The investigation resolution completion date of XX/XX/2023 didn't fix nor did Equifax delete this account from my credit file to date. Equifax continued to allow XXXX XXXX to furnish inconsistent inaccurate account detail information to my credit file in spite of my dispute complaint.
Product: Debt collection

I was never served by this company. They pretended to serve me in order to obtain a default judgment on a debt that was not mine. They are crooked and unethical and have tried attaching bank accounts of mine to try to collect debt that is not mine. Years ago, I retained a lawyer for this matter who obtained an agreement from them to stop illegally pursuing me. 


THE BEST SERVICE COMPANY Inquired on XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Vehicle loan or lease

Capital One Auto Finance is refusing to refund the balance owed to me for overages I paid on this account ( XXXX ) prior to the accident. On XX/XX/XXXX, my XXXX XXXX XXXX was in an accident and totaled according to my insurance company. On this day, I called Capital One and requested the dollar amount that I over paid on this loan. Customer Service ( CS ) says that I was over by {$1100.00} and that he could send me only {$450.00} back at this time and that the additional amount who be returned at a later date. So I received 3 checks for {$150.00} each. 
Regular payments on the loan was {$590.00} due on the XXXX of each month. On XX/XX/XXXX my statement indicated a payment due of {$220.00}, and a payoff amount of {$7600.00}. Due to I paid overages of : {$590.00} on XX/XX/XXXX, & {$600.00} on XX/XX/XXXX, and {$960.00} on XX/XX/XXXX. In additional I paid {$150.00} on XX/XX/XXXX, {$150.00} - XX/XX/XXXX, {$150.00} - XX/XX/XXXX, and {$150.00} XXXX ; {$150.00} - XX/XX/XXXX, {$250.00} - XX/XX/XXXX, {$150.00} XXXX, {$150.00} - XX/XX/XXXX, and {$150.00} - XX/XX/XXXX, {$150.00} - XX/XX/XXXX ..Some of these payments were actually removed from my account and do not show on my statement, however, I can verify each payment through my bank statements. 
At one time, these payments were actually listed on my " Capital One Auto Carpay online statement '' with interest for each payment because, I copied each payment/interest long before they closed this account. I no longer have access and all payments are not listed on the Capital One account now, however, they do appear on my bank statement. 
My XX/XX/XXXX statement indicated a payment due on XX/XX/XXXX, for {$560.00}, and a payoff amount of XXXX, which means I am paid up & in full for XXXX and XXXX months. My insurance paid {$7200.00} on XX/XX/XXXX, plus I have GAP Insurance to pay any outstanding principal. 
On XX/XX/XXXX, I received a check in the amount of {$2.00} stating this is your overpayment. Then, on XX/XX/XXXX, they put a stop payment on one of the checks that I had received for {$150.00} to be returned to them, they returned the payment and my bank charged me a {$12.00} fee. I have two other accounts with Capital One ( visa credit cards ending in XXXX, & XXXX ) payments are due on the XXXX & XXXX on each month. 
On XX/XX/XXXX, two ( 2 ) unauthorized payments from Capital One appeared/debited on my bank account in the amounts of {$50.00} to total {$100.00} ; and on XX/XX/XXXX another unauthorized payment of {$20.00}, and XX/XX/XXXX a {$50.00} unauthorized payment. All these payments payable to Capital One. None of these payments were placed by me and not one of these payments are showing as a credit on either one of my visa credit card accounts that I currently have with Capital One. Although, these payments were made to appear like normal regular payments posted to my account, and placed at the same time I usually make my payments. 

I have reported these transactions to my Bank and they have temporarily removed these transactions until further investigation is completed.
Product: Credit card or prepaid card

XX/XX/2020 I scanned a signed document to Ann Taylor XXXX - Comenity Bank ( I was instructed by them to type the letter, sign, and attach via the message center ) regarding my financial struggles and requesting a settlement or a different payment structure. 

XX/XX/2020 I received a reply stating the correct department would be responding via the secure message center in a timely manner with a response. 

XX/XX/2020 I replied asking for an update and they apologized for the inconveniences and said their customer services works hard, no where referencing my concern I clearly stated in my message nor giving me a reply to my original message from XX/XX/2020. 

They have now reported a late payment on my credit all while I have been waiting for a response from them. I understand I have my responsibilities but with all the difficult times due to covid and having a XXXX on the way I need to work with them on my bill. I feel the way I approached this situation was for the best interest of both parties but I am unable to get in touch with them nor do they take my request seriously. I am not sure what else to do at this point. And my past due amount keeps increasing. At a loss for my next steps/options.
Product: Credit reporting or other personal consumer reports

The company charged off on the account. I am looking for the accurate dates when the charge off took place when the account first became delinquent and when the account receive it first payment and also I am requesting for the 1099C
Product: Credit reporting or other personal consumer reports

Kindly remove the XXXX XXXX XXXX finance closed account with account number XXXX, opened on XX/XX/year>, as i don't recognize it. This belongs to somebody else. It's hurting my report. Please remove it as soon as possible.
Product: Credit card or prepaid card

Closure of account without prior notice On or about, two weeks ago, XXXX XXXX XXXX [ XXXX, herein ], president, suspended the checking account of Mr. XXXX [ cust, herein ]. Cust suffered some expenses due to the evil-closure of the account. XXXX gave the reason of : failure to provide the residence address ... Cust called to let XXXX know the cust had provided the residence address to XXXX, female rep, on or about : XX/XX/XXXX19. Cust gave the mailing address to use for mailing and the physical address more than three times. The reps do not care to insert the information. Cust told XXXX not to mail general mail to the residence [ physical address ] due to lack of adequate security for the onsite mail boxes which it is no surprise of how burglaries of mail boxes happens these days. 

Cust had gone into the bank and told the reps the residence address too. XXXX should be required to communicate with cust first before suspending the account. XXXX does not care how he treats an XXXX man. Discrimination was utilized in the fact the treatment for none-XXXX is different and the accounts would have not been suspended. 
... ... .. 

On or about : XX/XX/XXXX 19, Citibank denied my loan application without stating a reason why. My FICA score was about 701 and now it is XXXX. XXXX XXXX, executive response unit, said it may not be the fica. she said it may be other things. There is only one item which reports an erroneous debt which is already been challenged. Despite the item,, there were other financial institutions who opened credit cards which proves the one item was not a major factor. Especially when is common to see medical bills erroneously reported. Some financial institutions : XXXX XXXX ; XXXX XXXX ; XXXX  XXXX XXXX ; and the fact Citibank has a Debit Card. 

It is believed the reason why XXXX denied the credit card was due to XXXX and the fact a letter was written to XXXX to reduce his salary and the other 15 executives who gets paid more than $ XXXX or $ XXXX yearly. As a stockholder, it is a major concern of not being ripped off by top executives. Therefore the denial was XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15U.S.C 1681c-2 ) that you the Transunion Credit Reporting Agency , block information appearing on my consumer credit result 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 credit card opened at XXXX XXXX  XXXX account Number XXXX. credit card opened at XXXX XXXX XXXX  XXXX XXXX Account number XXXX. credit account opened at XXXX account number XXXX. Credit card opened at XXXX XXXX XXXX  XXXX XXXX Account number XXXX. Credit card opened at XXXX XXXX  XXXX XXXX  Account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I Have attached a list of the Hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries were not opened made or initiated by me. 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquires are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2023, An unknown credit card account from XXXX XXXX appeared on my credit report. I have a dispute open with them, but I have disputed this fraudulent account twice with Equifax. Most recently on XX/XX//2023. Somebody used my SSN and I have sent documents proving the address used to sign up for the credit card was not mine. I have sent Equifax a copy of my ftc report, proof of residence at the time the account was made, and screenshots of the fraudulent address, phone, and the thiefs name on the mailing address XXXX XXXX mailed the card to! Equifax is not investigating this properly. Please help me. I'm a victim of Identity Theft. The balance is {$410.00}
Product: Debt collection

On XX/XX/XXXX I submitted complaint # XXXX to LVNV Funding asking for a debt validation. As part of my right to dispute the debt and verify its accuracy, I requested the agreement that grants them the authority to collect on this alleged debt as well as verification that this debt was assigned or sold to collector. However, I have not received the requested documentation. I would still like this company to provide the original purchase agreement or the FFA ( Forward Flow Agreement ) to prove my liability. I also asked them to cease all collection activity in that request. I also for the company to cease and desist collection activity when I submitted my feedback on XX/XX/XXXX. Since my complaint was submitted I have received emails from them on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX