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

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit card

I received a garnishment letter from Jeffersons capital system llc for a credit card that I did not open in the amount of {$710.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a Dispute letter to all 3 credit bureaus ( Experian, XXXX, and XXXX ) to send me proof that the below accounts belong to me. For example ; Documents with me signature which was stated in the letter because the bureaus stated that it was verified prior to me sending another letter for proof with my signature. 

XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX ) Experian ( XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, ) I  received a response stating that the accounts were verified again with no proof!! I demand that these accounts be removed from all of the credit bureaus because it is against the to not respond properly when an item is asked for PROOF! I sent in my letters and it has been well over 45 days without proof of my signature. Ive wrote the credit bureaus and this was not a good response for the second time.
Product: Debt collection

I have not received any confirmation of a legal written contract with my signature, the name, phone, time, and written proof of who your person verified this account with your company. In addition, who did this person spoke at the creditor? their name, time, and phone number on how this person verified the alleged accounts attached in Exhibit B and therefore request that you consider this a final notice to your officers. Past this point, The CFPB will have authenticated sworn testimony from my end, which I would gladly present in court, if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copy from the Affidavit attached ) ************
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX : {$840.00} ; XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$920.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX : {$780.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$470.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

On XXXX my chase checking account was hacked and 2 XXXX quick pay transfers ( account ending in XXXX ) were made to unknown person ( {$990.00} and {$770.00} ) totaling {$1700.00}. I immediately contacted Chase fraud dept and executive offices. I was issued a provisional credit of {$1700.00} while Chase investigated mater. I also closed accounts, opened 2 new accounts- changed ID and password. On XX/XX/2019 Chase came back with fraud claim denied with no notice/ email/ courtesy phone call or mail- they just took the amount of {$1700.00} out of my account ending in ( XXXX ) i had pending transactions and cause my account to be overdrawn - charging several NSF fees. I called fraud department and was told they determined that i made the wire transfers my self to a person i knew. They said decision was final and nothing could be done. I did not make those wire transfers. I do not know the person who received money transaction. I have never signed up or used XXXX quick pay. No one has access to my laptop/ cell phone so no way possible i am responsible for this fraudulent incident. Chase does not spend money to protect cyber activity with their online banking services. I also run a daily anti virus program daily on my laptop. I contacted the executive offices ( XX/XX/2019) XXXX ext XXXX ( XXXX ) said he would investigate- also communicated with fraud department XXXX with no success in recovering my money {$1700.00} plus NSF fees as a result of incident. 

I have filed a online complaint with Federal Trade Commission and Texas Attorney general 's office XXXX consumer Complaints. 
Executive Offices Rep ( XXXX ext XXXX unable to resolve at this time. 

Mr. XXXX XXXX XXXX
Product: Checking or savings account

I opened my CITI Priority Savings and Checking accounts with {$700.00} bonus promotion on XX/XX/XXXX. I received an e-mail saying that CITI needs a copy of my utility bill and a copy of my social security card to verify my information, so I immediately faxed copies of my social security card and paystub to CITI on the same day ( XX/XX/XXXX ). One week later ( ~XX/XX/XXXX ) and two weeks later ( ~XX/XX/XXXX ), I called CITI customer service since there is no update. CITI customer service confirmed that they have received my documents via fax and told me that they will try to expedite the verification process so that I will be able to access to my account. 

On XX/XX/XXXX, I finally received an e-mail saying that CITI bank finally verified my information and will send me a debit card ( I did not have any access to my account since I have not received a debit card on my account ). At this point, because of CITI 's delay of verification process of my information, the {$700.00} bonus was voided because the promotion requires me to deposit {$50000.00} within 30 days of the opening of my accounts. I called CITI customer service about my concern, and CITI customer service told me to go ahead to deposit {$50000.00} into my accounts and call back to file a dispute on XX/XX/XXXX for investigation of the delay of verification process, and if CITI recognizes that the delay was caused by CITI 's fault, {$700.00} bonus will be paid to me. So, I deposited {$50000.00} into my Savings and Checking accounts immediately after receiving my debit card and left my money in my accounts untouched until today ( more than 120 days ). 

I called CITI customer service and explained my situation to file disputes on XX/XX/XXXX ( 1st dispute ) and XX/XX/XXXX ( 2nd dispute ). On XX/XX/XXXX and XX/XX/XXXX, I received letters saying " my account does not qualify for the promotion because the required amount of deposit was not made within the stated timeframe '' for the both disputes. I am hoping that I could have further help here.
Product: Checking or savings account

On the morning of XX/XX/2023, I had discovered that there were a total of 23 separate unauthorized transactions on my account. I immediately called Chase bank and notified them. They shut down my debit card and informed me that it would be 3-5 business days before I would receive a new one. 5 days later my card came in the mail and they gave me credit for those transactions that were not authorized. I did not know that there would be an ongoing investigation, proving that those transactions were valid. Thinking that everything was fine, on the morning of XX/XX/XXXX, all of those unauthorized transactions were suddenly charged back to my account. Immediately, I called Chase bank to find out what occurred and why were these transactions reintroduced to my account. 

The man on the phone informed me then that my claim had been denied, due to the fact that those transactions were made with a digital wallet. I rarely use my digital wallet to purchase anything. I can prove this because my wallet is in front of me. Those transactions only showed up on my account statement, never on my digital wallet log. The person on the phone suggested that I contact XXXX XXXX, which was a dead end because they are not a bank. 

I went to my local Chase branch and the woman that assisted me gave me the number to Chase Disputes XXXX. I called there and spoke to a woman named XXXX. I informed her about my issue and she offered to submit my case for reassurance, which would take 5-10 business days to process. 10 days had passed and nobody reached out to me. Consequently, I reached out to them to check on the status. A woman there informed me that my reassurance claim had also been denied. Today is XX/XX/XXXX and they have yet to send me any correspondence regarding a claim denial. As a chase customer, I assume a 0 percent liability for fraudulent transactions, therefore this is a breech of contract. Nobody has spoken to me from Chase and nobody ever will. I have almost {$400.00} worth of unauthorized transactions on my account still and they refuse to do anything about it, even though I have been banking with them for almost 22 years.
Product: Credit reporting or other personal consumer reports

I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.which mandates a reasonable investigation of disputes.
Product: Credit reporting, credit repair services, 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 items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$5400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, ALLY FINANCIAL, INC add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX  - Balance : {$160.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$160.00} Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$160.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$840.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$10000.00} Account Name : XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$770.00} Account Name : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$10000.00} Account Name : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$10000.00} Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$10000.00} Account Name : XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$56.00} Account Name : XXXX XXXX XXXX XXXXXXXX - Balance : {$2200.00} Account Name : XXXX XXXX XXXX XXXX - Balance : {$1200.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have contacted CashApp several times in order to retrieve or obtain a refund of {$200.00} on an account which I was unawares had been hacked prior to my transaction. After my investigation CashApp was made aware of this account being hacked prior to me sending {$200.00} to a college student but did nothing to prevent or stop future fraud issues of the consumer. 
Due to a life change which began in 2021, I was unable to contact the proper authorities to assist me. This life change has been resolved therefore I am submitting my dispute.
Product: Vehicle loan or lease

To whom may concern, I purchased a XXXX XXXX from XXXX in XXXX. My finance company was Santander Consumer USA. Santander repossessed my car. Santander Consumer USA approved me for financing in XX/XX/XXXX for a vehicle I purchased from XXXX. I had the vehicle from XX/XX/XXXX to XXXX of XXXX. Santander Consumer USA repossessed my vehicle without notice. When I contacted Santander, I was told that they were unable to verify my employment and that they could not verify the company in which I provided during the purchase of the vehicle. Santander USA never once tried to reach out to me to inquire about my employment. I never received a letter, phone call, message or call to my references. They just abruptly came and took my car from my home with out requesting proof of employment. My payments on my vehicle was current. As of today, Santander Consumer USA has placed this balance on my credit file as if I haven't been paying them. Do they really expect me to pay for a vehicle they chose to repossess when my payments were current and due to them not being able to verify my employment??? Santander Consumer USA has failed to provide me with documentation of their findings as to why they made the decision to take my car although the payments were getting made on time. Santander needs to remove this balance from credit file as I plan to seek legal action against them as they have unlawfully and illegally took my car when I was clearly paying for the car. I have provided you a screen shot of my credit report showing I had no late payments until they took my vehicle. I also am requesting where in my contract does it state my vehicle can be taken if they can't verify my employment. They are showing on my credit file that I've never made a payment which is false!!! This company is a horrible company to ever do business with.!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no sufficient information to support the credit bureaus claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me.. 
XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX DOB XXXX SS XXXX I have several unknown addresses and inaccurate file information that needs to be updated properly. My current and only address is XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Please delete all other unknown addresses they are not correct. I have a inaccurate Social Security number on my credit report SS : XXXX, please delete it at once. My name is NOT XXXX XXXX, XXXX XXXX XXXX please remove the extra name from my credit report. According to 12 CFR Part1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Following addresses need to be deleted : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
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 : XXXX Account XXXX Account name : XXXX Account 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: Debt collection

I am writing to dispute an inaccurate and unsubstantiated debt collection account that has been reported on my credit report. I am concerned that this account has been reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I kindly request your assistance in resolving this matter promptly and satisfactorily. 

Account Information : Creditor : Collections Unlimited Inc Account Number : XXXX I have no recollection of any contractual agreement or financial obligation to Collections Unlimited Inc or any other entity with an account number matching the XXXX mentioned above. Furthermore, I have never signed any agreement, received any services, or incurred any debt that would warrant my responsibility for this alleged debt. 

The FCRA mandates that creditors and debt collectors report accurate and verifiable information to credit reporting agencies. Failure to adhere to these guidelines can result in severe penalties for non-compliance. I believe that the inclusion of this disputed account on my credit report is not only erroneous but also in direct violation of the FCRA. Specifically, I wish to bring to your attention the following sections of the FCRA, which pertain to my rights as a consumer : 1. **Section 609 ( a ) ( 1 ) ** : This section of the FCRA requires that credit reporting agencies provide consumers with a copy of their credit report upon request, which I have obtained, and the right to dispute any inaccurate information contained therein.

2. **Section 611 ( a ) ( 1 ) ( A ) ** : This section states that credit reporting agencies must investigate the disputed information and, if found to be inaccurate, incomplete, or unverifiable, they must promptly delete it or correct it. 

3. **Section 623 ( a ) ( 1 ) ( A ) ** : This section mandates that furnishers of information to credit reporting agencies, including debt collectors, must provide accurate and complete information.

Given the absence of any contractual agreement or legitimate debt, I request the following actions to rectify this situation : 1. An immediate investigation into the accuracy and validity of the debt collection account reported by Collections Unlimited Inc, as mandated by the FCRA.

2. Prompt removal of the disputed account from my credit report, as it is inaccurate and unverifiable.

3. Confirmation in writing that this erroneous information has been removed from my credit report. 

I trust that you will treat this matter with the urgency it deserves, as the inclusion of this inaccurate information on my credit report is having a detrimental impact on my financial well-being. Please be advised that, if this matter is not resolved in a timely and satisfactory manner, I will not hesitate to pursue legal remedies available to me under the FCRA, including but not limited to, filing a complaint with the appropriate regulatory authorities and seeking damages in a court of law. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of my accurate credit profile.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Late Payment XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX XXXX  XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.