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

XXXX XXXX account closed and paid in full XXXX paid in full XXXX account not related to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete this account XXXX XXXXXXXX for violation of section 623 for failure to enter the required notice of dispute within 30 days of receiving the initial dispute letter. The Initial dispute was acknowledged by XXXX on XX/XX/2022. Acknowledged by XXXX on XX/XX/2022. Acknowledged by Equifax on XX/XX/2022. Delete for violation. 

Delete this account XXXX Bank XXXX for violation of section 623 for failure to enter the required notice of dispute within 30 days of receiving the initial dispute letter.The Initial dispute was acknowledged by XXXX on XX/XX/2022. Acknowledged by XXXX on XX/XX/2022. Acknowledged by Equifax on XX/XX/2022. Delete for violation.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information reported on my credit report by XXXX, XXXX XXXX Experian concerning XXXX XXXX ( XXXX ) Account # XXXX. The information in question pertains to a charge-off that has been included on my credit report without legal basis. Despite the presence of this charge-off on my credit report, I have not received a 1099-C form for the associated debt after making multiple attempts. The absence of such documentation raises concerns about the legality of the reported charge-off. The inclusion of this inaccurate information on my credit report is damaging to my financial standing and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( e ) ( b ), which mandates that information reported to credit bureaus must be 100 % accurate. I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure the accuracy of my credit report. Specifically, I request the immediate removal of the inaccurate charge-off from my credit report and any necessary corrections to prevent future inaccuracies with this account. Please acknowledge receipt of this complaint and provide me with updates on the progress of the investigation. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2022, I opened a Chase checking account in XXXX, XXXX Also, on that date I deposited XXXX checks, XXXX for {$2700.00} and the other for {$1400.00}. Both checks were put on hold, but both checks cleared by XX/XX/2022. 
On XX/XX/2022, I became locked out of my Chase checking account. I called Chase, and they told my that they froze my account because they suspect fraud. Both checks are legitimate, and XXXX is from my current employer which has more than enough funds to cover the amount of the check. The only thing suspicious is that it is a new account. The checks are from Chase and XXXX XXXX, both real banks with real accounts. 
At this point, I do not have access to my Chase checking account or the money in the account. I don't have a way to deposit the checks in another account because the checks are frozen by Chase. 
At this point, I would be out of {$4200.00} without a resolution. The deposited checks are not fraudulent, but Chase said that they could keep the account frozen indefinitely. 
Please help!
Product: Credit card or prepaid card

I believe I am a victim of identity theft. Despite the multiple previous written requests, the account listed below still remains on my credit report in violation of Federal Law. I disputed the fraudulent information on DISCOVERBANK from my credit report and 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 identity theft. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove it from my personal credit file. Thank you. 

( DISCOVERBANK XXXX )
Product: Debt collection

I have been attempting to resolve a debt for rent with an old apartment complex from 2017. I was unaware that the property still had an open balance. This balance was paid in XXXX of 2017 leaving the apartment. The apartment complex added in error a dollar amount during management, transferring the property to XXXX XXXX XXXX XXXXXXXX XXXX. I have a terminal XXXX and experiencing a medical XXXX XXXX  and was unable to maintain the apartment, I paid the fees and vacant the apartment. I discovered the balance existed when trying to obtain housing after my recovery. I have never been contacted by a collection nor the property about this balance and the judgement showing only on a credit file called XXXX XXXX. I returned back to the property asking for information, the current bookkeeper stated she could not assist me. She provided me with XXXX collections that the property uses, I contacted both agencies and neither has an account for me. I returned back to the property, I said I needed to resolve this issue. The bookkeeper was not able to confirm where this account. I have not been allowed to resolve this issue nor validate the account information or balance forward to agency and it has prevented me from obtaining housing.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX  XXXX ACCT : XXXX, XXXX ACCT : XXXX, XXXX XXXX XXXX ( DEBT COLLECTOR ON BEHALF OF XXXX ) ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my credit report I received from your company. The fraudulent items are circled. 
* A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Sincerely, XXXX XXXX XXXX : * FTC Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Copy of Credit Report * Fair Credit Reporting Act Section 605B
Product: Credit reporting or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

The Company explained that someone filled out a credit card application ay XXXX on XX/XX/2024. We went through all my identity information and they said the person applied with all my correct information. I informed them that I did not apply and I was in a meeting with my staff at XXXX and I asked them to put a stop to it. The person removed the application and asked me to send an email to their back office email to be sure. I followed instructions and I am waiting to hear back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Balance {$660.00} Highest Balance {$660.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Collection account Original Creditor Name No Info Closed No Info
Product: Debt collection

checked my credit report about 6 months ago and saw that a payday loan of {$1400.00} from SpeedyCash which I never applied for. Disputed the loan several times with them via phone calls to which has not been successful. I also disputed this loan with XXXX but haven't seen any replies back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT No. XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXXXX/XX/XXXX ; Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX XXXX { Credit Bureau XXXX XXXX XXXX XXXX } { Credit Bureaus : ALL XXXX } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX  }
Product: Debt collection

I received a letter from   XXXX   XXXX   XXXX   with an ITEMIZED statement from the hospital showing what was done to me. This is my personal information and is a MAJOR LAWSUIT TO VIOLATE HIPPA REGULATIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

**********THIS IS NOT A DUPLICATE ********************************************************* WE ARE ASKING XXXX XXXX XXXX TO REVIEW OUR STATEMENTS WE RECENTLY FILED A COMPLAINT WITH HYUNDAI CASE # XXXX  XXXX XXXX WE FILED A COMPLAINT AND IT WAS ASSIGNED TO A INVESTIGATOR XXXX XXXX XXXX  HYUNDAI DEALERSHIP IN XXXX XXXX   FALSIFIED MY BROTHERS INCOME TO GET HIM APPROVE FOR FINANCING. WE ASKED XXXX XXXX TO PROVIDE US WITH THE ORIGINAL APPLICATION FOR FINANCING BUT ALL THEY SUBMITTED TO US WAS THE CONTRACT. WE ALSO WENT TO XXXX XXXX  AND ASKED THE FINANCE MANAGER FOR A COPY OF XXXX   ORIGINAL CREDIT APPLICATION THEY WOULDNT GIVE IT TO US BUT THE FINANCE MANAGER DID ADVISED HE HAD A MONTHLY INCOME OF XXXX  THAT IS NOT TRUE. XXXX RECEIVES XXXX  A MONTH SSI XXXX XXXX   HAS RUINED XXXX CREDIT BY FALSIFYING DOCUMENTS TO GET HIM FINANCED. XXXX TRIED TO PAY FOR THIS CAR UP UNTIL HE GOT EVICTED FROM A LOW INCOME HOUSING WHERE HE LIVED FOR 7 YEARS PAYING XXXX   A MONTH RENT, HYUNDAI HAS RUINED XXXX   REPUTABLE CREDIT. WE ARE ASKING HYUNDAI TO REVIEW THE COMPLAINTS. WE HAVE ARRANGED TO SURRENDER THE UNIT. SINCE THIS LOAN WAS FALSIFIED WE HAVE HIRED A ATTORNEY ( AUTO FRAUD ATTORNEY ) TO ASSIST US WITH THIS MATTER. XXXX IS XXXX   AND ONLY RECEIVES XXXX  A MONTH FOR THE PAST 25 YEARS. WE CAN PROVIDE DOCUMENTS. HYUNDAI FUNDING DEPARTMENT SHOULD HAVE PROOF OF HIS LETTER OF AWARD. MY CONCERN HERE IS THAT XXXX   SHOWED PROOF OF HIS INCOME TO THE DEALERSHIP WHICH WAS XXXX WITH A XXXX CREDIT SORE. HOW WAS THE UNIT FUNDED BY THE FUNDER WHEN HIS SSI SHOWS XXXX  AND THE DEALERSHIP REPORTED XXXX   THE FUNDER SHOULD HAVE CAUGHT THAT AS A RED FLAG. UNLESS SOMEBODY IN XXXX XXXX WORKS WITH THE DEALERSHIPS. WE ARE ASKING THAT HYUNDAI PLEASE REMOVE ALL NEGATIVE REPORTING FROM XXXX XXXX  CREDIT FILE, VOLUNTARY REPOSSESSION, LATE PAYMENTS DUE TO THIS LOAN BEEN FALSIFIED IT IS A FRAUDULENT LOAN, THE PERSON FROM HYUNDAI ESCALATION TEAM NAME IS XXXX  AND HIS NUMBER IS XXXX  YOU CAN SPEAK WITH XXXX   AS WELL HE REDIRECTED US BACK TO THE DEALERSHIP WE ARE AWAITING HYUNDAI TO PICK UP THE UNIT AND WE WANT XXXX XXXX XXXX TO REMOVE ALL NEGATIVE REPORTING INCLUDING VOLUNTARILY SURRENDER OF THE UNIT.
Product: Mortgage

My loan officer from South State Bank has suddenly left or been terminated in the middle of my loan process. My closing date has been postponed from today XX/XX/29 with no rescheduled date. My contract is only binding until XX/XX/XXXX. I have not been given a new closing date and to be honest, if it is not scheduled on or before XX/XX/XXXX I will lose this house for my family because the seller is very unhappy with the delays as am myself.
Product: Checking or savings account

I am writing to formally express my concerns regarding Capital One 's handling of its 360 savings accounts & interest rates, particularly in light of the recent CFPB lawsuit highlighting significant misleading and mishandling of the interest deposits. Despite using Capital One numerous times and reporting discrepancies, my financial institution failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Capital One has not only neglected to protect consumers but broke our trust in banks. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I received a flyer advertising an interest rate of 5.38 % APY from FIRST HORIZON so I opened an account. At the end of the process, the banker goes over the documents, " here is your account #, the disclosures, etc. '' then she says and the term of this promo is for 6 months. No where in the fine print did it mention a promo period. They also had a CD special and that stipulated an 11 month period, but nothing for the money market savings account. When I questioned her she said it should be in the fine print, but it wasn't. Rates are so competitive now I may have opted to go with a different bank, but my new account was already set up.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA is reporting false information about a XXXX XXXX account on my report. 
I have reached out several times and asked that they remove the incorrect information. 
I received a letter from XXXX saying that this debt has been canceled and the CRA still says they verified this account. 
How can you verify something that even the source says it is not true. Please remove XXXX account and Inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

When a bank, credit company, automobile dealership, finance company try to check my credit score they always get the message that I have no credit and my score is XXXX. They requested that I make a copy of my driver 's license, social security card front and back and send them a letter saying what the problem is. I sent it 3 times and they finally got is and the problem is still not fixed. I call to check and no one can tell me anything. The company is Equifax. There is a loan company XXXX XXXX and I am due some money back and I can not get it back because they can not get my credit. Thanks for your help. 

XXXX XXXX
Product: Debt collection

I received a phone call from XXXX XXXX XXXX stating that I owed a debit. I requested they send a debt validation letter on numerous occassions. I was told they could not send another letter out because one had previously sent one and were only required to send one. I stated they were using an incorrect address, and I would need to have the letter sent before agreeing to pay for anything. I gave them my updated address and explained that I had not lived at the previous address in YEARS. We didn't even live at that address when the supposed debt incurred. No such letter ever came, and I disputed it on my credit in XX/XX/2020. It was removed from my credit, however I am now being sued by this company even though they have never validated the debt. There also seems to be a payment made on the account on XX/XX/2020, which is invalid as I have never accepted this debt nor made payments because I never received the correct validation.
Product: Credit card or prepaid card

I received a credit card from Wells Fargo I never applied for around XX/XX/XXXX. Today XX/XX/XXXX I received a letter stating a transfer for {$9100.00} was sent to XXXX XXXX XXXX XXXX XXXX. I also shouldnt have a XXXX XXXX XXXX account. I called Wells Fargo and spoke to XXXX in the fraud department alerting them to the situation.
Product: Credit card

Hi, I signed up for this account under a promotional offer where if I spent {$140.00} on electronics purchases I would receive a {$75.00} Gift Card to Walmart. I have called them over a dozen times and they have each time verify that I should have received it already and have told me I would receive it soon, just be patient. But it 's been over 4 months now and I still have not received my sign up bonus of the {$75.00} Gift Card. 

My first order and the qualifying order number : XXXX
Product: Credit card or prepaid card

Purchased furniture at XXXX 's in XXXX CA, applied and received credit on a Brandsource CC for XXXX 's. XXXX XXXX 's cash for amount above XXXX. Used card for XXXX balance for interest free promotion. Within less than a month XXXX doubled my balance to max card out at XXXX. Many attempts made to resolve problem with XXXX 's and XXXX. Took 2 months to get the charge off. In the meantime, XXXX had turned in maxed out card balance to credit bureaus that dropped my credit scores after stating they would n't do that. 

Now getting letters from XXXX security at their company that they intend to reinstate that fraudulent double charge again. One letter made on 1XX/XX/XXXXand another on XX/XX/XXXX, both from XXXX Credit Card Security. I have saved these letters and have sent a message to the effect of starting legal action if they do just that. 

I also had called Citibank, my own place of banking, and asked if they could intervene on my behalf to help me since the XXXX card is issued by Citibank. They would not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Use of my information was reported without my consent. have Demanded the company to correct or remove. 

Pursuant XXXX XXXX XXXX ( XXXX ) ( XXXX  ) ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( XXXX ) subject to section XXXX of this title, any ( XXXX ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Pursuant XXXX XXXX XXXX XXXX ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( XXXX  ) subject to section XXXX of this title, any ( XXXX ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX  XXXX Balance : {$600.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I'm asking to fix an issue with my credit report related to an account with XXXX XXXX XXXX XXXX  Despite my attempts to verify and correct the inaccurate information with the credit bureaus and the furnisher of information, no action has been taken. According to the FCRA, I'm requesting the immediate correction of this disputed account entry as there's no proof of its accuracy, and it violates the law.