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

On XX/XX/2022, I sent out a letter to Transunion, in reference to three inquiries that was on my consumer that were deleted. I notified them that deletion was admission Pursuant to 15 USC 1681n civil liability for willful non-compliance. I was violated my rights to privacy. 

XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My identity was stolen, along with taking money from my bank account multiple inquiries were ran on my credit. 

XXXX XXXX XXXX services ( bank ) XX/XX/year> XXXX card services XXXX bank ) XX/XX/year> XXXX ( bank ) XX/XX/year> XXXX XXXX card services ( bank ) XX/XX/year>
Product: Money transfer, virtual currency, or money service

Cash app account was hacked and transactions were made using my banking information however all of my contact information was changed by the hacker causing me not to receive any notifications that transactions were being made, I attempted to call and email the customer service line to receive no response and no correction, I did include dates of which these transactions were not authorized by me, I was denied the claim ; however cash app did retrieve funds back outside of the dates notated and closed my account, leaving me to have to pay double for the valid transactions.
Product: Debt collection

I am getting collection efforts from a company named National Credit Systems , Inc . I do not have any business contracts with this company. They are trying to collect on behalf of a different which I do have business with. However National Credit Systems has been incapable of validating the debt. They can not produce written agreement by me allowing them to report any accounts on my credit reports on behalf of this company. They have failed to produce verification that they can collect on behalf of XXXX. They have failed to produce proof that they are licensed to collect in the state of Georgia. Again, I have never signed any agreement with this company regarding XXXX, nor given them authorization to report anything on my credit.
Product: Credit reporting or other personal consumer reports

Per my several attempts to resolve the inaccurate, incorrect information reporting on my credit reports the consumer credit agencies as well has the furnishers is in violation of FCRA, My rights as a consumer is in fact being disregarded despite my continually efforts for this matter to be resolved before taking legal action. XXXX XXXX XXXX is reporting a collection on my XXXX XXXX and Equifax and is in direct violation refusing validation despite my request. Also this company is not authorize to do business in the state of Georgia. My request is that these collections are proven validate with an contractual written agreement between this company and myself or the original written copy of the contract from the company the are claiming to represent with my wet signature or delete these collections from my report immediately. Account reporting as charge offs and other accounts are also showing inaccurate and incorrect names addresses and other harmful adverse information. Please delete all accounts immediately. I have attached proof of all violations along with documentation to serve as evidence before taking legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX on XX/XX/2019 for auto purchase and explored options for Auto Loan. They asked me to give my social security number for best rate, which I gave ( and any normal person will also give ). 

Between XX/XX/XXXX ( Friday ) and XX/XX/XXXX ( Monday ), I recieved 11 hard enquiries on my credit report by banks. Moreover there multiple banks ( XXXX XXXX, Valley National Bank ) who made multiple hard enquiries for same reason within span of 1 working day. 

My whole credit history was screwed up by them. 

I spoke to XXXX XXXX, they refused to me to remove any enquiry ( though both were made within 1 business day ) and asked me to speak to XXXX. 

I further called up XXXX and they informed that XXXX  XXXX can make even hundreds of enquiry on any bank multiple times and there is no obligation to stop them. I have recordings of my conversation and can provide them to authorities if required. 

I feel I have been badly deceived by XXXX XXXX, Valley National Bank ( for multiple enquiries for same reason ), XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX ( for making hard enquiries with explicit approval from me ) and XXXX  for not hiding wrong doing by them and not removing incorrect, duplicate and unknown hard enquiries ).
Product: Credit card

XX/XX/scrub>XXXX XXXX XXXX I got an email from Chase stating they suspected fraudulent activity on my card and I was to get in contact with them which I did. I stated I didnt make the charge of {$1000.00} to a company called XXXX for tickets to a football game in XXXX XXXX between the XXXX XXXX XXXX XXXX XX/XX/XXXX. They recommended closing my card and issuing me a new one and i absolutely agreed. The Chase statement showed it was posted on XXXX XXXX and was then taken off XXXX XXXX. I assumed it had been taken care of because I had never heard anything about it again, until they reposted back on XXXX XXXX to my new account. I called why was it back on for me to pay and they told me they contacted XXXX and they told Chase they had all my personal information and that it was correct. They had my information because it was stolen and thats how the thief was able to buy the ticket/s in the first place. Chase shouldve had a verification in place to call or text my phone the moment they suspected the purchase but I never had an opportunity to verify it or not because they never let me know what was happening until the email XXXX. XXXX. The fraud department wanted XXXX to look for suspicious activity with my email and they told me they did but couldnt send a letter or text or email to say what they saw. So I told the fraud department what they said and he said well set up a 3 way conference call within XXXX hours and they never let that happen. They just said it was my bill to pay. It seems to me when I closed the card on XX/XX/XXXX, it didnt get closed until probably the XXXX XXXX. The XXXX XXXX I have showed they didnt even send the card until 6 days later and I got the new card on XXXX XXXX. Chase could have prevented this whole thing from happening if they had just told the seller XXXX we refuse to allowed this purchase to go through because the holder of this card verified by phone with us that he wasnt the one trying to buy the ticket/s on this Chase card.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., creditors and furnishers of information have a legal obligation to ensure the accuracy of the information they report to consumer reporting agencies. As part of my legal settlement with XXXX, they were obligated to remove all derogatory entries related to this matter from my credit report. However, despite this agreement, XXXX has failed to fulfill their duty, and these inaccurate and misleading entries remain on my credit report. 

This failure constitutes a violation of the FCRA, specifically Section 1681s-2 ( a ), which requires furnishers to provide accurate information, and potentially Section 1681s-2 ( b ), which outlines their duty to investigate and correct disputed information upon notification.

Their noncompliance has not only breached the terms of our agreement but has also caused ongoing damage to my credit standing, in violation of my rights under federal law.
Product: Checking or savings account

On XXXX  I filed a fraud dispute with Capital One for the following charge on my card ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Along with the dispute form, I sent evidence that the merchant was not going to give me the purchased item. 
Capital One mailed me a form letter telling me to call them. 

I called them and they stated they " couldn't find the charge on my account '' and that I needed to send them " screenshots of the Capital One account showing the charge. '' I mailed them screenshots of their website along with the final notice that if they did not return my money, I would be contacting CFPB. 

They mailed me the exact same form letter back and have made no effort to assist or contact me to get this resolved. 

I have now spent over 10 hours on the phone, printing lettters, mailing letters, etc. which has cost me over a {$1000.00} in lost wages and salary. 

Capital One purposely makes their fraud process confusing and time-consuming in the hopes that customers will give up.
Product: Credit card or prepaid card

I have a XXXX interest APR with Bank of America that expires XXXX. I paid the balance owed ( XXXX ) on the statement due XX/XX/XXXX. They have not provided my any other bills or statements showing any additional charges owed at this time. 

I called to confirm I met the APR terms and they told me I'd be charged in full for the previous amount paid plus new charges I have not even been billed on XX/XX/XXXX at 23 %. 

I have paid all statements due and have not received a bill for any other fees charged that they are saying are due to prevent fees. This is not an ethical practice. Not fair to the consumer to penalize them for fees they have not even been made aware of or sent a statement for. In addition to make me pay fees on monies I've already paid ... the XXXX if another XXXX is not paid by the XXXX.
Product: Credit reporting or other personal consumer reports

Creditor Name Date of Inquiry XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX  XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has led to unauthorized accounts and inquiries being added to my credit report. As outlined in 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following fraudulent accounts and inquiries from my credit report immediately. 
Fraudulent Accounts : XXXX. XXXX  XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$840.00} XXXX. XXXX XXXX XXXXXXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$3400.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$0.00} Fraudulent Inquiries : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

This was my 2nd CFPB complaint and a follow up to notify the Experian, XXXX and XXXX that below is a list of inquiries that are not associated with me and were opened without my permission. And from today counting 15 days that I am so much expecting a deletion result update to happen in my credit reports : EXPERIAN : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance to 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of innacurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be innacurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate based on the results of that investigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is innacurate.
Product: Debt collection

I am writing to file a formal dispute regarding the inaccurate and misleading information on my credit report. I have recently reviewed my credit report and have identified a significant error in the reporting of four accounts held by PORTFOLIO RECOVERY, each identified by the following account numbers : # XXXX, # XXXX, # XXXX, and # XXXX. It has come to my attention that these accounts are erroneously listed as " open '' when they are, in fact, collections accounts, which should not report as open. I respectfully request that you investigate this matter promptly and take the necessary steps to correct the reporting inaccuracies on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The incorrect reporting of these accounts as open severely affects my credit score and financial standing. I urge you to take the following actions : Initiate a thorough investigation into the reporting status of the aforementioned PORTFOLIO RECOVERY accounts. Immediately delete these misleading entries from my credit report. As per the FCRA, it is your responsibility to conduct an investigation within 30 days of receiving this dispute. I expect a swift resolution to this matter in compliance with federal law. The accurate reporting of my credit information is of paramount importance to my financial well-being, and I believe that addressing these discrepancies is vital in maintaining the integrity of my credit report. I kindly request that you provide me with written confirmation once this dispute has been resolved, and the necessary corrections and deletions have been made to my credit report. Thank you for your immediate attention to this issue. I trust that you will act promptly and decisively to rectify these inaccuracies and ensure the accuracy of my credit report.
Product: Payday loan, title loan, or personal loan

I contacted the below creditors and they have No proof I initiated such Derogatory, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal, I ask that you DELETE these authorized derogatory from my credit report immediately as there is no evidence of my authorization nor any permissible purpose.
Product: Mortgage

During the title search there was an old judgement that surface. I presented the issue to the mortgage broker in an affidavit. He stated that he turned it into the under writers and attorneys for the mortgage company. Before closing I reached out to the mortgage broker and asked him for the status of my loan and the questionable debt. He told me they took care of it and it was too old to be factored into my income to debt ratio. Last week I received a noticed from my employer that a wage execution had been submitted and processed against. This now effects me ability to pay my mortgage and other household bills. 
Family First Funding XXXX XXXX XXXX # XXXX XXXX XXXX, NJ XXXX Loan # XXXX
Product: Money transfer, virtual currency, or money service

A man called me saying I was being rewarded {$1000.00} from fafsa. He sent me the money but needed my chase info. I XXXX gave it to him. He transferred 3 different amounts of checks. And said he made a mistake. He calls back and says I need to send the money back or XXXX get in trouble. I sent {$1000.00} to XXXX XXXX he said his name was. I did but it is pending for review. He then said to send another amount to a different name. I felt uncomfortable and it felt too suspicious. So I blocked him right away. Hes been calling nonstop and I keep blocking the numbers hes calling from.
Product: Credit reporting or other personal consumer reports

Should be another way for government to credit scores and report due these on going problems credit reporting service I've tried to fix my credit report for the past year. inquiries on my account XXXX and XXXX times from the same company it to High information is not correct stuff should fell off.. I hired credit reporting attorney to resolve the situation and nothing has happened. No change no Increased on my credit report continue reading denied hi inquiry it's not fair. Wonder is the government has something to do with this because my credit report has not changed has not went over XXXX mark with paid off accounts c omplanyies bein aloud to file incorrectly with XXXX months l have has been accounts paid off in Full and accounts supposed to be removed, but still be remained
Product: Student loan

This Keybank/XXXX loan was to pay XXXX, The XXXX. I am on a graduated payment plan, but it is about to balloon more than XXXX the amount I am paying now and they said I have no options. I explained I am a single mom who is currently homeless and with a XXXX ( staying with friends and family ) and would n't be able to afford {$400.00} per month. My net income last year was XXXX. My XXXX may be able to support that much next year but not this year. They refused to refinance me. They said I do n't have any options. It feels illegal and wrong somehow. I 'm still willing to pay I just ca n't afford that much right now. I 'm begging for your help.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX OLIVER ADJUS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious OLIVER ADJUS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of XX/XX/XXXXStop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXX/XX/XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX FL XXXX