23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX closed credit account shows incorrect information listed. This ACCOUNT has FRAUDULANT charges on the account. I already spoke with CUSTOMER SERVICE and filed a DISPUTE regarding this matter. please can you help me REMOVE this account from my CREDIT REPORTS Thanks, XXXX XXXX | Credit Card
Product: Credit card or prepaid card

Account was open as a result of fraud. 
under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported bv any evidence.15 USC 1692 ( g )
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.
Product: Debt collection

IM UNAWRE OF THIS ALLEGED DEBT DIDNT RECEIVE PROPER NOTICE TO DISPUTE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that I have a hard credit inquire from your company on my XXXX XXXX  and XXXX XXXX credit file dated XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX onXX/XX/XXXX with a report number # XXXX  for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LA XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account still open when paid off in full by XX/XX/2018. Is affecting my credit score and shows if was past due a balance of {$2600.00} and missing payment affecting me to get loans.
Product: Mortgage

I originated a XXXX mortgage with XXXX in 2015. I setup the draft date for the XXXX of each month. In XXXX 2015 Loancare took over the loan. Loancare did not draft on the XXXX so I called them on XXXX XXXX. They found the error then drafted {$3200.00} on the XXXX and again on the XXXX. I have spent hours on the phone trying to get this resolved. Loancare said at this point my account would not be drafted again until the XXXX of XXXX. They then drafted my account again XXXX XXXX. Loancare wants me to prove to them that my account was drafted XXXX times in XXXX. I sent them my bank statement and now they want to see my account balance. I have attempted to speak with a supervisor but Loancare continues to disconnect me after a long hold time. Can you please help me with issue?
Product: Vehicle loan or lease

I began talking with my loan company in XXXXXXXX XXXX XXXX regarding my issues making payments. I can not afford XXXX XXXX monthly payments. I told the dealership this and they stated Bridgecrest would be able to work with me on changing my monthly payments and the amount. On XXXX  XX/XX/XXXX I spoke to a representative that was supposed to help me adjust my payments or at least see if it was a possibility. I waited over a week for a response and got nothing. I called again on XX/XX/XXXX and Im being told theres nothing they can do to help. Ive expressed countless times that I am not able to pay XXXX XXXX monthly for the vehicle and theyre refusing to help. Not only that but I was also told for the first time that my car was potentially going to get repossessed because I didnt make a full payment. When I called in XXXX I was told as long as I made a payment of some kind I would be in the clear. Yes Id be behind technically but Im still making payments towards my vehicle.
Product: Credit card or prepaid card

- Opened dispute with Citi on XX/XX/XXXX for a transaction of {$3100.00} with XXXX XXXX on XX/XX/XXXX. 

- Vendor performed work on my car including putting on new brakes, rotors, wheels, wheel spacers, and tires. Vendor damaged my radiator during repair process and refused liability. Radiator caused car to overheat and had to be towed to be fixed. Three days after receiving car from vendor front passenger side wheel and tire came off on highway. Causing serious damage to car in excess of {$15000.00} and eliminating all trust in the work done by vendor. 

- Retained an attorney to open a successful lawsuit against XXXX XXXX for damages caused to car, not including original purchase amount. 

- Sent Citi all insurance information from accident, repair bills, and lawsuit information to dispute the original charge from vendor.

- Vendor responded with a fax of a invoice, and Citi closed the dispute with no refund issued. 

- Retained attorneyXX/XX/18 on to demand that Citi refute these charges from vendor and reimburse me the complete amount of {$3100.00} and provided additional evidence from 3rd party XXXX XXXX and XXXX XXXX used in lawsuit to prove vendor fault. 

- Citi closed dispute with no action taken on XX/XX/18 with the following response : " We no longer have any available means to assist you in this matter since the timeframe in which to resolve a dispute has passed ''.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 I was hospitalized and unconscious. XXXX XXXX I filed a complaint with Chime because {$410.00} was taken out of my account from my stimulus check. It was a payment of {$350.00} and {$60.00} to someone named XXXX XXXX I dont know this person. I have disputed these transactions on numerous occasions, because Chime will not refund my money back to me because they say in the records from the investigation Chime decided it was NO ERROR. I have the records from Chimes investigation and I highlighted the error and disputed the transactions again. Neither transaction was notified to my Chime app on my phone. Chime is sticking to the decision they made and will not refund my money that was not sent from my phone or my debit card. The only way I had access to my Chime account and app is by using my fingerprint on my phone or my physical debit card. I have disputed these transactions over 4 times since XXXX. ( I have all emails available. ) Now chime Has closed my account and Chime have not explained to me why they closed my account and why I didnt receive my funds back in my possession. I have contacted support @ chime plenty of times to get the answers I need. I have not used my Chime account in the past 30 days at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX. XXXX. 

XXXX XXXX : # XXXX, XXXX, XXXX : # XXXX, XXXX XXXX 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. 

XXXX XXXX. XXXX XXXX : ( a ) Accuracy and fairness of credit reporting ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX XXXX. XXXX ( a ) : Any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

XXXX XXXX. XXXX ( a ) : No consumer reporting agency XXXX make any consumer report containing any of the following items of information : ( XXXX ) Accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years ( XXXX ) any other adverse item of information, other than records of convictions of crimes which antedate the report by more than XXXX years. 

XXXX XXXX. XXXX ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I had bought XXXX items on promotional interest rates from XXXX which is Synchroney Bank. Well all the payments I have made to them none of the money has gone towards the promotional balances. The representative informed me that I was billed {$210.00} interest from XXXX of the promotions expiring & if I wanted any of the payments I had made to go towards the promotional balance I would of had to specify at the time I made the payment which was done through the automated system because if you do a payment through the representative it will cost you an extra {$10.00}!!! It also DOES NOT give you any option to allocate where your payment will be applied over the automated system which of course that 's what I use because it 's FREE!! They are horrible!! The customer service team hung up on me while I was trying to plead my case against the {$210.00} interest tacked on to my bill because they were n't applying my payments to that promotional balance! Then when I called back they kept me on hold 20 min. Horrible Horrible Company!! I cancelled my card since then & will never do business with them AGAIN!!
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft through XXXX XXXX XXXX XXXX XXXX, I recently discovered unauthorized activity related to my personal and financial information. Investigation revealed that my identity was compromised through XXXX XXXX XXXX XXXX XXXX 's customer support on I Notified my bank and credit reporting agencies I request your assistance in resolving this matter.
Product: Credit card

Attempted to close my card in XX/XX/year>, and paid off the balance. Was then charged fees and interest without receiving a bill from Citibank. Had the fees reversed on XX/XX/XXXX, and was told that the card would be XXXX out and that nothing more was owed. Was specifically told not to pay any money to the account at that time as well. 

Charged interest, fees, and a late charge again in XXXX, and was told there was an outstanding balance. Asked what they plan to charge me in XXXX because I keep getting charged AFTER being told everything was XXXX out. Attempted to pay off whatever balance I allegedly owed and see the account had been XXXX  out AGAIN. Asked what they plan to charge me in XXXX, and they stated that bill hadn't been generated yet. This is indicating to me that I will receive another bill, yet again. When I have been told and saw twice that my account is at a XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was forced to file chapter XXXX  bankruptcy (I lost my job and my wife suffered medical problems that temporary left her unable to work). One of the creditors was a Credit Union, XXXX XXXX XXXX XXXX XXXX XXXX, Texas. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX (XXXX) XXXX-XXXXIn XXXX all the records of the bankruptcy finally dropped off my credit report and I have had an excellent credit rating and FICA score since.  However, on XX/XX/XXXX of this year XXXX XXXX has reported to Transunion the debt owed to them from the bankruptcy as new debt from XX/XX/XXXX, with a new removal date of XX/XX/XXXX. I have the original records of the bankruptcy showing the discharged debt. I have disputed the new record of the debt with Transunion. XXXX has dropped the debt and I was unable to obtain an online report from XXXX and had to request it by mail.Because XXXX XXXXy reported this debt again as new debt my FICA score with my credit card companies and my Bank (XXXX) has dropped significantly.Is there any other recourse I have other than disputing the reporting of the discharged debt?Is reporting this discharged debt as new legal. ThanksXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and to Equifax? This is so unbelievable! The items have already been deleted but now it has re-appeared on my file. How can you guys let this pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. What else do you guys want?! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I have applied for many credit cards and no one will give me a chance because I have no credit history I have an amazing credit score well did before all the places checked it. Im asking how to change this and how I can get someone to give me a chance?
Product: Credit reporting or other personal consumer reports

I have no debt with the company who is reporting this debt NCA and they are reporting the wrong opened date it says XX/XX/2023 on my report and that is wrong requesting this be removed its against the law to report wrong info on a credit report
Product: Money transfer, virtual currency, or money service

Sent money to XXXXXXXX XXXX  from Venmo XX/XX/2023. {$500.00}. I noticed the wrong Debit card was debit card was used. I contacted Venmo within minutes of transferring it to my closed XXXXXXXX XXXX  account. VENMO stated the transaction was cancelled and would take 25-45 minutes to return. I called again XXXX/XXXXXXXX, the same day, when it the funds did not return. This time the the VENMO representative stated that the previous representative gave me the wrong time frame and it actually takes about 3-5 business days. I called my XXXXXXXX XXXX 3 times to confirm that they rejected the funds. I then called Venmo again and Another representative stated it could now take up to 5 days or possibly need to be escalated. I then called Venmo 3 days later during the week and still no funds were returned. I then spoke to a representative who stated to continue to wait. I called back the next day and the representative stated that they would escalate this. The next day, I received an email from Venmo saying only my bank can fix this. My XXXX XXXX confirmed that they have records that VENMO attempted to send the funds to them twice. Even though I have asked Venmo to cancel the transfer multiple times at this point. I still have not received my {$500.00} and will be empty handed tomorrow for a purchase that was planned. This is despicable and Venmo is a scam for this. Not only that but they refuse to let me speak to a person that is on the escalation team. Only communication through email is permitted. I am tired of fighting with Venmo who is a product of PayPal.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to report an issue I have been having with Ally Financial. I believe that they have blatantly disregarded the law and are completely ignoring my request for proof of a contract between XXXX XXXX XXXX and Ally Financial. It seems as though they believe they are above the law. 

I have sent a previous letter, and it has been More than 30 days since I requested proof of the contract. Unfortunately, I have still not received a reply from Ally Financial besides them keep calling. Now, I am being threatened with repossession, yet they have not provided any proof of claim. 

This is a serious matter that needs to be addressed immediately. It is unacceptable for a financial institution to ignore a customer 's request for proof of contract and then threaten repossession without any proof of claim. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take the necessary steps to ensure that Ally Financial is held accountable for their actions. I would appreciate any assistance that can be provided to help me resolve this matter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe there may be inaccuracies in the reporting of these account. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of any information that I believe to be incorrect. Please provide me with the details of the investigation conducted to verify the accuracy of these account information.

If the information can not be verified, I request that it be promptly removed from my credit report. Please send me written confirmation of the results of your investigation.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within XXXX days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

Ive attached a sampling of how experian hub than that. 

Namely, my amount of accounts shows 36 open in score breakdown, but only 5 that are all in good standing ( mortgage, car, one secure card, and two small student loans ) but it is referenced by other creditors as the reason for denial of credit. 

Also, the breakdown of my " poor '' score. 
Also, multiple places that things are reported very differently, and how that is affecting the breakdown of what goes into a " poor '' score rating.