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

15 U.S. Code 6805 - Enforcement I need the Consumer Financial Protection Bureau ( CFPB ) to open up and do a thorough investigation into the major credit bureaus regarding the credit bureaus refusing to delete and remove fraudulent hard inquiries from a consumer credit report and UPDATE TO PAID AS AGREED ON ALL ACCOUNTS REPORT reporting inaccurate information and violating my privacy rights. These accounts have violated and are not in compliance with law THE FOLLOW ACCOUNTS AND COMPANYS XXXX  XXXX XXXX ( XX/XX/XXXX AMOUNT {$1100.00} ) XXXX XXXX ( XX/XX/XXXX AMOUNT {$11000.00} ) XXXX XXXX XXXX ( XX/XX/XXXX {$1400.00} ) XXXX XXXX  XXXX XXXX ( XX/XX/XXXX AMOUNT {$1200.00} XXXX ( XX/XX/XXXX AMOUNT PAID/CLOSED ) XXXX ( XX/XX/XXXX AMOUNT {$1400.00} ) XXXX XXXX XXXX XX/XX/XXXX, {$4000.00} ) The hard and inquires that are negatively affecting my creditworthiness are not in complaince with the FRCA the several non-mailable addresses that I have demanded to be removed that are affecting my report. As a federally protected consumer under the Federally Protected Consumer Act The Privacy Act of XXXX my rights have been majorly violated by these reporting companies and agencies. Not one company has permission to report my information. they do and are reporting inaccurately.

15 USC 6802 : Obligations with respect to disclosures of personal information IT IS ILLEGAL TO REPORT TRANSACTION HISTORY -15 U.S. Code 1681b - Permissible purposes of consumer reports no company has received my written non written verbal nonverbal consent to do publish my personal information on my report the information according to15 usc 1681 ( b ) ABOVE ALL THINGS XXXX ACCORDING TO SEC.FILINGS IS NOW XXXX XXXX XXXX, XXXX A REPORTING AGENCY I DO NOT KNOW I did not consent for them to receive any information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX ARE IN VIOLATION OF MY RIGHTS ARE IN VIOLATION OF THE LAW I AGAIN DID NOT GIVE ANY CONSENT FOR ANY THIRD-PARTY COMPANY TO RECEIVE MY INFORMATION PRIVACY ACT OF XXXX  15 U.S.C. 1681-1681 FEDERAL REPORTING CONSUMER ACT 15 USC 1681 - [ EROMSIBLE PURPOSE 16 CFR 433.3 15 USC 1681 ( b ) 15 USC 6802-6805
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian have failed to investigate why XXXX XXXX is reporting late payments on this account. I was never late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, nor XX/XX/XXXX. I had auto-pay setup and was always on time.
Product: Debt collection

XXXX XXXX SUPPLIED FRAUDULENT INFORMATION TO THE CFPB regarding complaint # XXXX. XXXX XXXX stated the information was removed per the letter to the CFPB, my insurance rates yet increased again to {$430.00} dollars a month starting in XXXX. I was notified via another Insurance Company as their rates were vastly different with a rate of $ XXXX month. 

XXXX has violated the following : 1. 15 USC 1681 ( a ) ( 4 ) " Infringed Upon a Consumer 's right to privacy '' and 2. 15 USC 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I had recently received notification from a customer service representative from USAA as my insurance rate has increased ; when I inquired about the increase in my insurance premiums, the rep advised that it was due to a report obtained from XXXX XXXX and a ticket that I was reported in XX/XX/2021 I am still waiting for the case to reset regarding the alleged ticket issued due to the request for reasonable accommodations based on my XXXX. ( See attachments from the courts ). Therefore, the Information obtained is inaccurate and fraudulent at BEST. 

Accordingly, I REQUEST THE FRAUDULENT INFORMATION THAT IS BEING REPORTED TO BE REMOVED EFFECTIVE IMMEDIATELY BEFORE A LAWSUIT IS ENSUED AGAINST XXXX/USAA. 

Based on my XXXX and the XXXX  terms provided I will also contact the U.S. Department of Justice civil rights against XXXX. I am REQUESTING USAA DELETE THE INFORMATION FROM XXXX due to their violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. 

A complaint with the FTC and CFPB along with Securities and Exchange Commission ( SEC ), Commodities and Future Trade Commission ( CFTC ) and the IRS will be filed to include the Department of Justice for FINANCIAL CRIMES AND INSURANCE FRAUD. I am utterly disgusted of the fraudulent, deceptive business trade acts of the insurance companies and banks and XXXX for provided the deceptive information to a federal agency to avoid penalties. However, they continue to has no regard for stealing from consumers by any means NECESSARY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

PLEASE DELETE HARD INQUIRES THANKS!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Reason : I am disputing this account as it does not belong to me. I have no record of entering into any agreement or contract with this company, and I believe it may have been reported in error. Please investigate this matter and remove it from my credit report if ownership can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason : I am disputing the missed and late payments reported on this account. I kindly request that you provide detailed statements and records of all payments made and missed since I opened the account. 
I also disagree with the results of your investigation. Please mail me the documentation supporting your investigation and proof of the negative payment status for this account. If you can not provide this evidence, I ask that you delete the negative information associated with this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason : I am disputing the missed and late payments reported on this account. I kindly request that you provide detailed statements and records of all payments made and missed since I opened the account. 
I also disagree with the results of your investigation. Please mail me the documentation supporting your investigation and proof of the negative payment status for this account. If you can not provide this evidence, I ask that you delete the negative information associated with this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : I am disputing the missed and late payments reported on this account. I kindly request that you provide detailed statements and records of all payments made and missed since I opened the account. 
I also disagree with the results of your investigation. Please mail me the documentation supporting your investigation and proof of the negative payment status for this account. If you can not provide this evidence, I ask that you delete the negative information associated with this account. 


status for this account. If you can not provide this evidence, I ask that you delete the negative information associated with this account. 
INQUIRIES : TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> The items in question are either inaccurately reported or have already been resolved. I request a thorough investigation and correction of these inaccuracies. Despite my efforts to contact the credit reporting agency and the data furnisher, the issue remains unresolved. 
I have attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and substantiate my claim. 
Please investigate this matter promptly and update my credit report to reflect accurate and updated information.
Product: Debt collection

In XXXX of XXXX, I was XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX, XXXX, XXXX, FL. I was XXXX XXXX XXXX in the morning in my sleep, XXXX hours after the alleged incident. The house was full of XXXX users and XXXX was a common occurrence. When I was arrested, my wallet ( containing my social security card, ID, all my bank cards / credit cards, voter registration, and some cash ) and my XXXX, along with all of my other asets / personal belongings were stolen because they were left behind at the scene. Someone there, i imagine my girlfriend at the time, helped the group gain access to my phone, giving them access to all my emails and all my online accounts. I placed a fraud alert with all 3 credit bureaus upon my release and filed identity theft XXXX and XXXX. Wouldn't you know, this personal loan for debt consolidation occurred in XXXX of that same year and was placed into a XXXXXXXX XXXX account with a different account number than the truist bank account i actually used/owned. Not a single payment was made on the debt consolidation account and the account immediately went delinquent. I've had no knowledge of this loan or bank accounts existence until today, XX/XX/XXXX, at which point i contacted experian to report the account as fraudulent as a result of identity theft. I have my suspicions as to the possible culprits and will be following up with XXXX to find out more information about the account the money was deposited into, to see if maybe someone opened a joint account, after i follow XXXX 's instructions to file this complaint and upload the complaint to their website alongside a copy of my ID.
Product: Credit card

Back in XX/XX/2023, my Capital one credit card had two charges I did not recognize. I contacted Capitalone, They removed the charges and issued me a new credit card. With my new credit card several months later, there were two charges on my statement again. The same billing name.However this time when I contacted Capital one they issued me a new credit card but said I am responsible for the lasted charges of XXXX So I canceled my capital one account. They are harassing me and the new charges are up to {$180.00} ( FYI I payed are other charges that I am accountable for in full and on time as my credit score is over XXXX ) Capital one wants to ruin my 50 year of great credit that I'm proud of. My only credit card I have left is XXXX they also were able to find this account # and I was hacked again. XXXX was more empathic, issued me a new card and wave fraudulent charges. Now I'm afraid to use my credit cards. I'M feeling frustrated and criminalized. and no one will help me. Thank You XXXX XXXX if you need to contact me you can also speak to my son XXXX XXXX, As I go to a lot of XXXX appointments. ATTACHED IS POLICE REPORT I MADE AND DOCS AND LETTERS WITH NO SOULATION!!!!!!!!
Product: Mortgage

1. In XXXX 2016, Fifth Third Bank provided me and my husband with a prequalification letter for a construction to permanent mortgage loan on our primary residence. After notifying them at the end of XXXX 2016 that we were ready to proceed and supplying them with sufficient info for an application, we did not get a loan estimate until the end of XXXX. 
2. Without our knowledge, our loan application was made inactive by Fifth Third even though we were actively communicating with our loan officer for an XXXX XXXX closing date and repeatedly being told the loan closing was on target. Construction on our home had been scheduled to start the day after closing. Five days before the target closing date, our loan officer informed us that the closing would not occur on XXXX XXXX and our file had become inactive due to Fifth Third not setting up our contractor in their system. We were told by our loan officer and her direct manager that the only way we could proceed with a loan from Fifth Third was to reapply. All scheduled construction work had to be halted and our project was delayed through no fault of our own by 7 weeks.
Product: Debt collection

Account Number XXXX Name : XXXX XXXX Dear Aldous  I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Your office did provide the original creditor information but did not provide my signature, in the box it says " Digitally signed ''. This is fraud. I did not work out at blink during these times. Also failed to provide number 3 from the below. I also did not live in the state of New York during part of the time period.Please remove from my credit report.

In accordance with the Fair Debt Collection Practices Act, I request the following information : 1. T

he name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe you this debt. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

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

I have been fighting this for years now.When this happened I did not have a valid ID to get a loan. I could not even cash a check from my work. How coud I get a loan With out a ID/valid ID? I do have a picture of my papper work from when I was able to get a valid Id. My new ID was issued XX/XX/XXXX. My old ID expired XX/XX/XXXX. with in the time I could not get a new ID due to I did not have a Birth Certificat and don't know mothers maiden name. This is not mine! and it has been holding me back for to longXXXX I want it removed. ASAP
Product: Debt collection

I had an attorney to sue my insurance company because they didnt want to pay the car off eventually got the car insurance company to write the check. The check was written to myself and vehicle solutions due to them being the initial lien holder, however at this time they had already sold the contract to west lake Financial. Vehicle solutions advised me they received the check and they closed the account with XXXX balance. They never paid westlake and westlake is saying i owe them and i explained all of this to them. XXXX XXXX whos a manager at westlake stated she had communication with vehicle solutions for legal purposes and have yet to contact them to figure out where the money is! Ive recently provided proof that the check was cashed and if it is not resolved and removed before XXXX  is over i will pursue litigation.
Product: Credit reporting or other personal consumer reports

Recently reviewed my reports and found some inaccuracies on them involving accounts that's not mine. XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Section 392. 101 Texas finance code, Jefferson capital is not licensed or bonded to collect a debt in Texas. The debt information is wrong, company is maliciously trying to ruin my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redresXXXX ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres : for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  {$150.00} These a XXXX account showing on my credit profile I have no knowledge of this account XXXX XXXX XXXX also XXXX is showing on my credit report as collection for {$380.00} I have no knowledge of this account This account was not opened by me at no point
Product: Vehicle loan or lease

The company shared a pre-approval offer for a loan without stating the principal amount. They provided a monthly payment amount thereby leaving the principal and APR to be free floating. This is a deceptive trading practice. The monthly payment is a function of 3 factors : 1. Principal 2. Interest Rate 3. Loan Term Any attempt to hide any of this three factors is a deceptive practice designed to mislead on the cost of the loan.
Product: Credit reporting or other personal consumer reports

I found inaccurate information in my MIDLAND CREDIT credit repot. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX.
Product: Credit card or prepaid card

I have been a with BANK OF AMERICA customer since XX/XX/XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account on date XX/XX/XXXX. Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last 4 years, I would like you to consider removing the negative payments from my credit reports per XXXX, XXXX  and XXXX. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Checking or savings account

I have Traditional and Roth retirement accounts at Synchrony Bank. On XX/XX/XXXX I put in motion moving the funds to XXXX XXXX XXXX because the rate they offered was almost double. I filled out all the necessary transaction paperwork on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX mailed the transfer paperwork to Synchrony Bank. After 3 weeks I called and Synchrony said they didn't receive the paper work. I then had XXXX XXXX fax the documents in mid XXXX, they only faxed the traditional docs and I had to followup on XX/XX/XXXX where they faxed the Roth docs to Synchrony. I called today XX/XX/XXXX and Synchrony said they are working on it in their " back '' office where you can't speak to anyone. They also maintain that it takes up to 15 business days to process the requests. I'm already 5 weeks into this and it looks like several more. Am I missing something here???? What if I needed the funds? I've spent hours on hold with no resolution and it seems to just go on and on.
Product: Checking or savings account

On XXXX and XXXX someone activated my card and withdrew XXXX of my funds. I notified this company multiple times that I was incarcerated at the time of this transaction. This company denied my dispute twice and I have no idea why but I would like for them to properly investigate my concern. I sent them a card from my police report and bond papers in which my dispute was still denied. This company also has lied about reimbursement of funds that aren't authorized to cardholders due to the cardholder agreement form I attached along with this complaint. I am asking for a full refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been on the phone monthly with the three major credit reporting agencies and finally got the last bit cleared up today. This has cost me credit cards and loans. It started with one person getting caught fraudulently using a card in my name. He was arrested. 

Later, several accounts came up in my name but a different social was entered on all three credit reporting sites, showing that I had two social security numbers ( red flag? ). It took my roughly 2 years to get them to stop reporting it. After my fourth mail in attempt to XXXX  and XXXX, they changed the social and misreported address used to send mail to. Ironically, we knew the people at the fraudulent address and they helped us to report and attempt to rectify the issue. 

Experian has just now removed the personal information after several more attempts to mail in the correct information. That is ridiculous and has affected my financial capabilities. 

With all the data breaches in the last few years, its impossible for a civilian to catch identity theft as it happens. That is decided by how secure our credit bureaus are ( which judging by the amount of time my shadow had access to my credit, not secure at all ). 

Credit Reporting Bureaus have proven themselves useless in helping victims of identity theft even though they are the last line of defense and the police are useless too unless they are caught in the act. There needs to be more responsibility on the CRBs.
Product: Debt collection

On XX/XX/XXXX, my XXXX check was deposited into XXXX XXXX and I was not aware that a Writ of Execution was presented against my checking account the same day. 
On XX/XX/XXXX, I notified XXXX XXXX XXXX, XXXX. that represent or the owner for XXXX XXXX XXXX XXXX XXXX that my monies are exempted ( XXXX benefits ), didnt received no information about a Writ of Execution ( XX/XX/XXXX for {$2500.00} ) or any bills due, statute of limitations have passed, bankruptcy was filed recently and violations of state and federal laws. 
On XX/XX/XXXX, I find out from Justice Court ( Received copies for Case No. XXXX - filed on XX/XX/XXXX -- closed on XX/XX/XXXX -No summons or complaint were issued ) that these are medical bills from XX/XX/XXXX in the amount of {$1000.00} that are not mine. Still today can not get my money out of my checking account due to violations from XXXX XXXX XXXX and XXXX XXXX.