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

I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I a victim of a severe form of XXXX XXXX XXXX under 22 U.S.C. {$7100.00} ( 11 ) or trafficking under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

They was reporting incorrect and un validated debt late payments, close the accounts, miscellaneous numbers, miscellaneous address, Without my authorization, making my opportunities, slim to none getting credit cards home loans or etc. 15 USC 6802, 15 USC 6803, 15 USC 6804 and 6805
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. 
XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, US Dept ED Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a missed payment for XX/XX/2021. On XX/XX/XXXX, customer service rep XXXX XXXX processed a payment for my loan account, but he accidentally entered the wrong amount reach resulted in my account being marked as delinquent. 

When I learned of this I spoke to Communications Center Manager XXXX XXXX on XX/XX/XXXX concerning my account. See attachment.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX and XXXX regarding a serious incident of fraud that has significantly impacted my financial standing and personal well-being. 

On XX/XX/year>, I was issued a check from XXXX XXXX XXXX XXXX to purchase a vehicle. Following the issuance of this check, it was unfortunately stolen from me. The check was subsequently cashed at XXXX without the proper endorsement and without my signature. This transaction was executed negligently on the bank 's part, as proper procedures for validating the authenticity of the check and the identity of the signer were evidently not followed. 

I have been in communication with XXXX XXXX regarding this incident ; however, they have placed an undue burden upon me, holding me responsible for the loss despite the clear evidence of fraud. The individual who cashed this check has since been arrested and indicted in superior court for this crime. I have been collaborating with XXXX XXXX of the XXXX Police Department, who has confirmed that the individual acted fraudulently in cashing the check. 

Additionally, investigators from the DMV and the XXXX Police Department are aware of this situation and support the assertion that the check was cash fraudulently. Given this context, it is unacceptable for XXXX XXXX to hold me accountable for a crime I did not commit. 

This entire ordeal has not only caused me financial distress but has had a detrimental impact on my credit as well, as I am now facing the repercussions of this fraud in attempts to clear my credit. This situation obliges me to seek legal restitution for the negligence displayed by both banks in allowing this to occur. 

I respectfully request that the CFPB investigate this matter thoroughly. I am seeking a resolution that includes the clearance of any negative impact on my credit history arising from this incident, as well as accountability for the negligence exhibited by XXXX XXXX XXXX XXXX and XXXX. 
Being that this person got access to so much of my personal information there are several items on my credit report that should be removed. I am working diligently with law enforcement regarding this matter of obtaining property by false pretense and ruining my identity and credit in the process. 

Thank you for your prompt attention to this matter. I look forward to your response and hope for a swift resolution. 
I have attached a copy of the check and the arrest records regarding this matter.
Product: Debt collection

I am a single father trying to purchase a home for my family, I was denied because of negative items on my credit. I was able to see my credit and there is an fraudulent item that on my credit that i did not authorize. 

Account Name : XXXX XXXX XXXX  Balance owed : {$910.00} Account Name : XXXX XXXX Balanced Owed : {$910.00}
Product: Credit card or prepaid card

I purchased a health supplement on a trial basis. Company charged me XXXX in fees in XX/XX/XXXX Within 14 days I cancelled the trial. The company billed me {$79.00}. 
I disputed the charge with Capital One credit card customer service. 
Capital one gave credit of XXXX to account. 
I filled up the documentation required by capital one and sent on line in XX/XX/XXXX. 
Capital One reversed the credit and charged the amount back into my account. 
I re-disputed the account. 
Every month Capital One kept adding late fees. 
I have paid {$55.00} in fees in fees so far. 
Last I called Capital One to close the account. 
I was recommended I resend the paperwork I sent them in XXXX which I mailed to them. 
I keep getting late fees on the Late fees. 
Company would not close account. 
My credit is being affected due to amount past due. 
Credit card companies should not be allowed to add late fees on late fees. This is like 100 % interest.
Product: Checking or savings account

Received a fraudulent text requesting that i follow a link to prevent fund withdrawal by a fictional person. 
The text claims to be sent by my bank, and requests that i follow the link to prevent a large fund withdrawal by a fictional person. Neither my bank nor the person named in the text were involved on sending this request.
Product: Credit card or prepaid card

Capital One is acting in bad faith and colluding with merchant to steal my money. I purchased adapters from XXXX on XXXX, and then returned them on XXXX. I have confirmation Merchant received them back. Merchant refused to refund. I opened dispute and Capital One sent off a nonsense letter saying : Confirmation showing no cancellation per policy was received and charged me again. This is asinine. I attach evidence detailing the proof they accepted the return, sent me a return label, and then I returned the items. I want my money back for the returned items.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy the reported payment history on accounts are a mystery to me, I dont remember if I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX Balance : {$1700.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

FAY SERVICES SAYS THEY ARE MY SERVICE PROVIDER I UNDERSTAND THAT THEY ARE THE SERVICER SINCE XXXX. THATS A LIE. I BELIEVE THE MORTGAGE HOLDER IS. XXXX XXXX XXXX XXXX. XXXX XXXX FILED 3 FORECLOSURES ON MY HOME. THEY ARE A CORRUPT XXXX COMPANY. I AM CURRENTLY IN COURT WITH XXXX XXXX XXXX. THEY KEEP CHANGING THE LAWYERS AND SERVICERS. DEFAMATION LAW WILL BE FILED SOON
Product: Debt collection

XX/XX/2021, a claim was processed from XXXX XXXX XXXX. XXXX XXXX claim # XXXX. Amount billed was {$1600.00} XXXX paid {$1500.00} and XXXX XXXX paid {$370.00} The statement shows PATIENT RESPONSIBIITY {$0.00} I keep getting letters from Credence debt collectors that we owe {$62.00}
Product: Checking or savings account

A check was deposited in my savings account on XX/XX/year>. This check was in XXXX. The bank used the wrong exchange rate. On XX/XX/year> I was told that the exchange rate should be as of XX/XX/year>. I accepted that, but still the bank won't adjust the rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

please please please can yall make these bureaus obey the law. when Equifax had a breech last year all of a sudden I had collections accounts,3 different ss numbers, different addresses, and new opened accounts that didn't belong to me..some information was removed like the addresses, ss numbers but they refused to removed 4 collection accounts they continue to send back verified when I asked them for the method of verification I am constantly ignored by law this is against my rights and against the law .The law states that the bureaus must report 100 % accurate and true information.they refused to verified the accounts below These accounts in question are 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX MANAGE SOME OF THESE COMPANIES ARENT EVEN LEGALLY ALLOWED TO COLLECT IN THE STATE OF LOUISIANA. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I was expressing my right to demand that the bureaus disclose there compliance with Metro 2 and disclose to me all of the documents that they have recorded and retained in there files at the time of this request concerning the accounts that you are reporting in my credit report.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA because they refused to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : Equifax XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

This company advertised a credit line and credit reporting & 2 months free with purchase of a membership I purchased the membership with that promise and never received a service! I reached out to the company multiple times they have no working phone number. I have went through great emotional distress over this.
Product: Credit card or prepaid card

Two credit accounts including a Mastercard and a XXXX XXXX account were opened in my name on or around XXXX of XXXX, a Capital One 360 checking account was opened prior in XXXX, also a result of data breach. I need statement copies for both credit accounts as well as the checking account, these documents are needed to provide to the attorney representing me in the data breach suit.
Product: Checking or savings account

{$5700.00} of money my son sent to me, that we have proof/receipts of, were not credited to my checking account and Chase Bank says that there's nothing they can do about that. After I completed an analysis of my account on XXXX XXXX, XXXX for ( XXXX ), I discovered the following : 1 ) my account showed each transaction in/out until XX/XX/XXXX, 2 ) XX/XX/XXXX 1st missing direct payment 3 ) the end of XXXX XXXX a new pattern of 2-week delay was discovered, 4 ) XX/XX/XXXX shows another delay AND 5 ) Improper merging of transactions by Chase Bank, 6 ) XXXX XXXX shows another improper merger of funds from two different people, 7 ) XXXX XXXX {$1000.00} was never recorded coming out or going in and 8 ) the MAJORITY of discrepancies appear to have occurred around the last quarter of XXXX. 

XXXX XXXX I notified chase via secure mssg and on XXXX XXXX, XXXX, I received their reply which directed me to call the number on the back of my card ( which I'd already did ... NINE TIMES! Mon. XXXX XXXX, XXXX spoke to approx. XXXX representatives ; the first 3-4 were helpful ( XXXX, XXXX, and XXXX more ). Chase discovered ALL my transactions were NOT showing up on my desktop, they corrected that problem. Chase could see transactions that I could not until I downloaded my bank statements. Initially Chase could not see the specific missing monies, but gave me credit for a few in XX/XX/XXXX. 

I downloaded XXXX XXXX & XXXX XXXX & analyzed them to see if I could resolve the discrepancies, I could not. Chase told me to complete a listing all missing monies & call Retail Claims back at XXXX Option # 2 and report ALL missing moniesthis is when Chase changed their story After I completed the analysis of XXXX, I called back several times and reached the following five CSR 's XXXX XXXX, her supervisor XXXX, XXXX, XXXX and XXXX & her supervisor sent her an internal communication to tell me, Theres nothing Chase can do for me ''. All stated that because they can not see the missing money, they cant help meperiod the end. 

These all are payments from my son to me. XXXX XXXX has provided electronic receipts with dates, times, transaction numbers and amounts reflecting the money was sent to my Chase checking. I don't think Chase should refuse to look into this very serious matter because if I can provide proof that money belongs in my account and they decide to accept some and deny others, this bank, their policies and staff needs to be scrutinized/EXAMINED. Where is the voice of protection, support, advocacy for the small financial customer? I need the money that my son sent to me totaling {$5700.00} to be credited to my checking account. It's not right that Chase turn a blind-eye to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Please remove the items in my credit report that are causing problems with my records. 
Remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  ;
Product: Credit reporting or other personal consumer reports

I just received my new credit report for Equifax and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had to do it over again, complaint forms again with this same problem on another account because CFPB complaints didn't go through on my other CFPB account because of a system glitch technical difficulty. I'm not here to play mind games with you people.
Product: Credit reporting

This item has been removed all the way back in 2015 it just popped back up on my report which i have filed a complaint on XXXX they have responded that they will have the information deleted from my credit report and I am asking that you do so.
Product: Checking or savings account

On XXXX XXXX, 2022 I received a promotion w/ a link from Citibank XXXX for a 12 months No Penalty CD w/ 2.25 APR. The link took me to the bank wed side. I opened the CD for {$17000.00} dollars, ending in XXXX then I realized the CD default in the link was a 12 months Penalty CD w/ 2.00 APR. I called Citibank 1 minutes later, the bank informed me that I need to waited 24 hrs for the CD to show in their system, it was a Friday. I call XXXX, XXXX, Monday 2022 to XXXX XXXX they told me to call XXXX, the agent told me to call XXXX. At the last call they told me that they can not change my CD, because I need to wait 30 days, and I was going to be penalize {$170.00}, even thought I call with in 5 minutes of the CD been opened. This was a misleading advertising by City. First they sent me a link with a promotion and then the link took me to another promotion. In the XXXX XXXX XXXX XXXX XXXX spoke to XXXX ID : XXXX supervisor, refused to give me her last name. 

PS : Be advised that you closed my previous complaint XXXX, under the argument that it was not me.. This is my phone XXXX XXXX XXXX, XXXX, in case you want to contact me. thx
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was compromised and inquiries were incurred in my name without my knowledge and/or approval. I have phoned my dispute to XXXX XXXX company on 2 instances in XX/XX/XXXX without resolution with all the relevant information they needed to verify my claims but these unverified inquiries are still showing on my credit report. I have also informed Experian without resolve. Please delete these erroneous inquiries from my report ASAP : XXXX XXXX pulled onXX/XX/XXXX. While an indicator of factual information, FCRA says information added via fraud may not remain on one 's report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information reporting on my credit file that does not belong me. There is a medical account XXXX XXXX - XXXX XXXX and also there are unauthorized inquiries and incorrect personal information that is reporting. Please assist me in getting these items removed from my credit report. 

There are unauthorized inquiries reporting on my credit file : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 times ) XXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXX Incorrect Personal Information : Address : XXXX and XXXX Names : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Here 's a draft of your complaint to the CFPB against Experian regarding their failure to follow suit, complete an investigation, and accurately report your account : -- - Consumer Financial Protection Bureau ( CFPB ) Complaint Against Experian Date : XX/XX/XXXX Subject : Formal Complaint Regarding Experian 's Violation of FCRA Laws Dear CFPB, I am submitting this formal complaint regarding Experian 's failure to meet the requirements of the Fair Credit Reporting Act ( FCRA ) in handling a credit dispute I filed. Below are the key details of my complaint : On XX/XX/XXXX, I submitted a formal dispute to Experian regarding a particular account on my credit report. I pointed out that XXXX had deleted the account in question following my dispute, in line with FCRA guidelines.I referenced the FCRAs provision that if one credit reporting agency ( CRA ) deletes an account, the other CRAs must follow suit. This is a well-established practice under FCRAAs of XX/XX/XXXX, it has been well over 30 days since I submitted my dispute to Experian, yet I have not received any results of their investigation as required under the FCRA.Additionally, the account in question continues to be inaccurately reported on my Experian credit report, despite the fact that XXXX has already removed it. This not only contradicts the FCRA guidelines but also further compounds the inaccuracies on my credit Failure to Complete an Investigation in 30 Days : According to the FCRA, credit reporting agencies are required to complete investigations within 30 days of receiving a dispute. Experian has violated this requirement by failing to provide me with the results of their investigation.Failure to Follow Suit : Since XXXX has already deleted the disputed account, Experian is obligated under the FCRA to take the same action and delete the account. Their failure to do so constitutes a violation of the FCRAs requirement to report accurate and consistent information across all credit reports. 
Reporting Inaccurate Information : Despite the fact that XXXX has already removed the account, Experian continues to inaccurately report this account on my credit report, further violating the FCRAs mandate that all reported information be accurate.