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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Product: Debt collection

A person in XXXX is using my identity to rent apartments in XXXX, and not paying the rent my name in collections affecting my credit score.
Product: Debt collection

I have been trying to set up a plan with this company and they keep telling me that they will call me back and I never get anything back. This has been going on for quite a long time. every time I call they keep telling me they are transferring me to a rep and then I get transferred again to someone who has no idea why I am calling. I know this is my bill and I want to pay it but they should call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Transunion theough the cfpb and they responded telling me theyd remove the items and to call them for the inquiries on my report and that they would send me an updated copy of my credit report. The items have not been removed. I tried calling by phone its impossible and i never even received a copy of my report.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX, XXXX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Unauthorized Inquiry on My Credit Report To Whom It XXXX Concern, I am writing to formally dispute an unauthorized inquiry on my credit report, which I did not authorize and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S. Code 1681b, credit inquiries must have a permissible purpose and explicit consumer authorization. Additionally, 15 U.S. Code 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of the information they report. Given these legal protections, the inquiry in question was made without my knowledge or consent and must be removed. 

I respectfully request that you : Immediately remove the unauthorized inquiry from my credit report. 
Ensure compliance with applicable federal statutes in handling consumer credit data. 
Provide me with an updated copy of my credit report reflecting this correction. 
For verification, I have attached copies of my identification and proof of my current address. Please confirm receipt of this dispute and provide a written response within 30 days, as required under the FCRA. If no action is taken, I may consider further legal remedies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Attachments : Photo identification Proof of current address
Product: Debt collection

XXXX XXXX has posted a collection for {$980.00}, they continue to call and try and collect the debt, after I have stated several times, that this is not my account and I have never had an account with XXXX XXXX. I have disputed this with XXXX with no change. This collection is saying that the original creditor is XXXX XXXX XXXX, this is a HIPPA violation is this is a medical debt. I have submitted disputes on XXXX and XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Chapter XXXX  bankruptcy in XXXX of XXXX. The bankruptcy came off of my XXXX and XXXX  credit reports in XXXX of XXXX. XXXX  has it inaccurately reported as a Chapter XXXX bankruptcy. I filed two disputes with XXXX  about it in XXXX of XXXX. I included paperwork from my lawyer and the bankruptcy court but to no avail. I even filed a dispute with LexisNexis in XXXX of XXXX also to no avail. When I contacted LexisNexis on XXXX XX/XX/XXXX I was told because my bankruptcy was initially filed as Chapter XXXX but converted to Chapter XXXX they are not willing to stop reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing inaccuracies for a little over a yeah with Experian. 
This is my final attempt to remedy this reoccurring issue with them. 
I've recently submitted a dispute with all my verifying docs, court paperwork, and police reports on all inaccurate information and fraudulent accounts. I sent this information last Friday XX/XX/2023 sent certified mail and they received it Monday XX/XX/2023 per my tracking. 
I need all inaccuracies and fraud accounts removed from my credit file immediately, even from their rent reporting bureau as those accounts have been paid. 

Per The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation into missing information on my credit report. I recently reviewed my credit report and noticed that a credit card account under XXXX XXXX XXXX XXXX ( XXXX  ), Account Type : Visa Signature Flagship Rewards, is not listed. 

Here are the details of the account for your reference : Financial Institution : XXXX XXXX XXXX XXXX ( XXXX ) Account Type : Visa Signature Flagship Rewards This account is active, and I believe it should be reflected on my credit report to provide a complete and accurate representation of my credit history. 

Please investigate this matter and update my credit report accordingly. If additional information or documentation is required, feel free to contact me directly. I have attached a copy of my government-issued ID and proof of address to assist with verification. 

Thank you for your attention to this matter. I look forward to your response.
Product: Mortgage

We have attempted multiple times to contact M & T Bank mortgage servicing ( XXXX ) regarding a claim check in which their name was put on it by our Insurance Company, XXXX  XXXX XXXX. In the attempts in which I have spoken to someone we have received many different responses, 1 ) we find your mortgage paid in full so you need to contact our customer service department and request a mortgage clause letter so that it releases our name fro the check 2 ) we found that your mortgage was transferred and we have no further information so we can not release our name at this time 3 ) Per representative, I can not find a mortgage with you as lender so I will need to request an investigation which an take 15 days, and someone will be in contact with you at completion of investigation. 

Now here 's the issue, we have not ever had a mortgage with this company and have no idea how they have ended up on a insurance claim check. I have contacted the insurance company and their response is they receive this information from a third party fax machine in their office and without investigating or asking client they just add company to the policies. 

It would be helpful to get to the bottom of this issue so that we could claim the check and get it reissued. Thank You for this consideration
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. On XXXX I, XXXX XXXX  Federally protected Consumer and Natural person extended credit to LVNV FUNDING LLC using my credit card ( 15 usc 1602 ( l ) ) They furnished a deceptive form ( 15 usc 1692 ) to create the false belief in the natural person which is myself that I owe an alleged debt when it was in fact a consumer credit transaction. I sent LVNV FUNDING LLC a notice to cease and desist and a notice to validate the debt which they have failed to abide by. LVNV FUNDING LLC is now civilly and criminally liable for violating my consumer rights. LVNV FUNDING LLC union has yet to resolve this matter.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : XXXX XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$1200.00} Under the Fair Credit Reporting Act ( XXXX  ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.
Product: Credit reporting or other personal consumer reports

Im n accordance with the fair credit reporting act account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 u.s.c 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act XXXX XXXX ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I found out 8 unauthorized fraud transactions appeared on my credit card. I called customer service right away to stop and dispute the charges. 

On XX/XX/XXXX four charges were placed back by XXXX XXXX for {$1300.00} due to the unauthorized merchandise arriving at my house. The merchandise said they didnt receive any fraud information from the bank. I didnt have information to return the packages ( such as email order confirmation ) and online support did not help to give me return labels because it was past their 30-day return window.

I returned the 4 boxes unopened to the local store. They took and scanned all the items, giving me a refund of {$670.00} on XX/XX/XXXX. Due to seasonal pricing change, the difference of {$1300.00} - {$670.00} = {$710.00} should be returned. 

They has all the merchandise and hasnt lost anything. {$710.00} is still on my closed credit card statement. The merchandise said they can not do anything and that only Bank can return the money to me. 

The situation has gone on since XX/XX/XXXX and I handed in my appeal to the bank, they did not look at my case carefully, on and off several times, remains unresolved it. Bank should have protected my credit card information from being used. I am looking for the remaining charges removed. All the information above is true and statements of fact.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX  data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data.

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX in XX/XX/XXXXfor a Walmart store card. I never missed a payment. In XX/XX/XXXX, the account was purchased by Capital One. I was not informed of the purchase, that my payment information would be disrupted, or that my payment arrangements with XXXX XX/XX/XXXX would need to be transferred. Because of this failure to notify, I continued sending payments to XXXXXX/XX/XXXX that were not registered by Capital One l, and therefore the account was marked 30 days late. I have two other accounts with Capital One. They have my correct address, phone number, and email on file. I was never contacted by these means. 

In XX/XX/XXXX I made a payment to this same account, I also make a payment in XX/XX/XXXX. Yet the payment was marked 30 days late in XX/XX/XXXXagain.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of XXXX XXXX. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I have fallen a couple of weeks behind in my loan payment. ( less than 30 days and less than a full payment since my last payment was a little over ) I have been receiving calls at work. I asked not to be called there but was called again. Even after I ask not to call me at the work number they continue to argue that it wo n't take long and they say that they can not stop calling me unless I take the time to verify all of my addresses and contact numbers and e-mail. I have not moved or changed my phone numbers at home or work for 15 years.
Product: Checking or savings account

On XX/XX/2022 my parents wrote me a check for {$2000.00}, I submitted the check via mobile deposit. XX/XX/XXXX Citi bank froze my funds without notice, I called in to see exactly what was happening when I was informed they believed the check was fraudulent and would be closing my account. I was told it would take 30-60 business days before the account is closed and any funds would be sent out to me after pleading my case and explaining to them the check was written y my dad and that I could have him verify his check with his bank I was told that would be satisfactory and I could then appeal the decision, after my dad spoke with his bank they informed him nothing was wrong with the check and no reports of fraud were sent or received, I called Citi bank back informed them of this and the rep continued to speak over me as much as possible and just hung up the phone on me.
Product: Credit card

This is a complaint about Citi bank credit card electronic transfer fraud by Citi bank. As of XX/XX/2015 they issued a payment via mobile transfer from my Nevada state bank account to payoff my credit card account without authorization. My bank reverse the charges, after I notified them and adviced me to contact Citi bank to investigate how and why this occurred. After getting the run around at citi bank they refuse to tell me how this transfer happened. I am attaching a copy of my payment transfer to this credit card for your viewingI thank you for your help and consideration in this matter and hope to hear from you soon.
Product: Prepaid card

My cash app card was stolen on XX/XX/year>. XXXX charges were made the morning of the XXXX before I was aware that it was missing. One at a XXXX and the other a few minutes later was made at a XXXX. I filed a dispute with cash app about the XXXX charges. Cash app approved the dispute and refunded the {$10.00} from the XXXX transaction. However the dispute from the {$160.00} XXXX transaction made just an hour or so apart was denied. A police report was also submitted on the XXXX unauthorized transactions. I also had my card charged from XXXX XXXX for XXXX $ and when I tried filing a dispute for that charge my card was deactivated and when I asked them why they declined to give me any reason. Ive been a loyal customer and have done a lot of business with cash app and thought they were an honest company. My opinion has since changed. Please advise them to return the funds that were fraudulently taken from my account and return my cash app card privileges. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about an unauthorized financial transaction involving a vehicle purchase allegedly made in my name and financed by Capital One. XXXX XXXX XXXX XXXX XXXX XXXX, informed Capital One that a vehicle was to be purchased under my name and collected payment despite the vehicle being in my possession for only 32 hours. According to our agreement, the deal was not finalized until I provided a {$2000.00} down payment, after which all necessary paperwork would be completed and handed over to me. Despite being given a limited time to test the vehicle and the assurance that all documentation would be handled electronically, I did not receive any copies or formal agreements at the time of the transaction. All agreements were verbal, and it was understood that I had a brief evaluation period to decide on the purchase. However, the dealership proceeded to collect payment from Capital One without my consent and before any formal paperwork was completed. Within those 32 hours, I contacted my bank 's finance representative who advised me of a better deal on a newer car at XXXX dealership. Consequently, I returned the XXXX vehicle and proceeded with purchasing a vehicle from XXXX through my bank 's financing. 
Furthermore, I must address the unsettling incident involving a private investigator sent to my residence on XX/XX/XXXX on behalf of Capital One. The investigator was instructed to retrieve the vehicle from my possession, despite its return to the dealership within the agreed-upon timeframe. Information gathered by the investigator was reportedly obtained from Capital One. My legal representative, XXXX XXXX, subsequently contacted Capital One to clarify the financial obligations attributed to me. It was discovered that the vehicle in question had been located by the private investigator, XXXX XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX Remarkably, the vehicle had been at the dealership since XXXX, a XXXX salesman, returned it in XXXX, on my behalf, after a XXXX salesman I had previously interacted with was unprofessional in our dealings.
Product: Debt collection

I received my first eviction notice went to the office and paid the debt they said I owed. I do have messages between me and someone who works in the office XXXX. They let me stay there then my rent went up ( which I Paid ) except for XXXX of XXXX  because they evicted me that month saying I had my sister staying with me which she wasn't. That what my eviction for so now I'm trying to see how I owe? The credit company called me and I asked for a copy of what they trying to make me pay the agent said he will email it over to me took my email and I never received the email.
Product: Credit card

Someone created a business gold card under my name after which both my personal credit cards were closed. I am now constantly pestered about this bill even though I have told them I do not have a business nor did I know about the creation of this business card. This was opened fraudulently.