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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant U.S. Code Dear TransUnion Consumer Solutions, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found an account with XXXX XXXX that was fraudulently opened in my name due to identity theft. 

* Account Name : XXXX XXXX * Account Number : XXXX * Date Opened : XX/XX/XXXX * I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately. 

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges.

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information. 

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : XXXX. A copy of my government-issued ID. 
XXXX. A copy of a recent utility bill ( to verify my address ). 
XXXX. A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ]. 
Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account. 

Thank you for your prompt attention to this urgent matter. 


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

In  XXXX  of   XXXX   i had contacted   XXXX   about inquiries that was on my credit report. I do not have any knowledge of these inquiries.  XXXX  told me that there was nothing they could do and these inquiries will be taken off in 2 years. I have been trying to get these inquiries resolved with them and the company 's with no luck. These inquiries are not authorized by me and should not be there. This is damaging my credit. Please help to resolve and delete all non-account holding inquiries. Thank you.
Product: Debt collection

XXXX has a collections account under the collections agency XXXX XXXX XXXX. The account was reported resolved on XX/XX/year> for an amount of {$120.00}. I have sent letters and tried to speak to someone about having the account removed from my credit report, as the account was paid in full. No correspondence or ability to speak to someone has successfully happened.
Product: Debt collection

XX/XX/XXXX I went into agreement with XXXX XXXX XXXX XXXX XXXX with a Retail Installment Contract and Security Agreement for family and household purposes. My vehicle got repossessed in XX/XX/XXXX. XX/XX/XXXX Payment was sent through USPS money order with an accepted offer of the credits for valuable consideration for {$1900.00} to Westlake Financial Services via certified Mail and was delivered XX/XX/XXXX. XX/XX/XXXX I sent a Notice of Rescission and an Affidavit of my right to rescind as a Consumer via certified mail. Which will be received tomorrow XX/XX/XXXX. I have reason to believe that both parties willingly and knowingly took advantage of me any consumer credit, while XXXX XXXX XXXX XXXX XXXX failed to clearly & conspicuously disclose my right to recscind.
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. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following accounts as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Experian : XXXX XXXX XXXX, XXXX, TX XXXX } OR BY FAX : XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove ALL comments & disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. 
I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX MORTGAGE XXXX Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period youre allowed for disputes. 

Truly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Transunion Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX
Product: Checking or savings account

Many times my account has closed because of what they thought was fraud and then froze funds when I tried to pay bills I was charged overdraft fees for not having funds in my account when they they should of been
Product: Checking or savings account

In XXXX of XXXX, my wife was involved in a pig butchering scam. We had a joint account at Bank of America in XXXX, California, outside of XXXX XXXX. On 4 dates, she had made transfers for a total of {$190000.00} to a crypto account, that was then transferred to the criminals who stole the money. They originally contacted her via XXXX. Once I found out the money was stolen, I went with my wife to BOA to address the situation. They stated that she had made the transfers, that I had no right to be contacted about the wire transfers, and that they would look into it. I signed a statement, which reviewing it now, is a complete lie. On that statement, it said that I had made the transfers. I was not the person going to the bank making the wire transfers. That was my wife, and I had no knowledge. The manager there wouldn't give me her name as if she was the manager of a XXXX 's. Mind you, the treasury helped support banks like this to the tune of billions of dollars in 2008, and BOA was able to buy a mortgage company at a fraction of their price. A few months later, I get a statement from BOA saying they couldn't recover the funds. XXXX transfer ( $ XXXX on XXXX XXXX, XXXX ) she made from the Bank of America to XXXX to buy XXXX. XXXX transfer ( XXXX XXXX, XXXX ( $ XXXX ) ) to XXXX to buy XXXX. Third transfer, XXXX XXXX, XXXX ( $ XXXX ) to XXXX to buy XXXX, and fourth transfer, XXXX XXXX, XXXX ( $ XXXX ) to XXXX to buy XXXX. 

When we reported this to the sheriff at XXXX, and provided him with all the information, he never even filed a report because he said there was nothing he could do. 

I would like to know this : Were these transfers, because of their amounts and short time period, ever reported as required of these types of banks by law? I want my money back, and I want my government to shut down all crypto exchanges. Do your job.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts identified in my report below are in violation and are not reporting 100 % accurate. 

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

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy. 

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the assignment contract to show full ownership of account. Failure to comply will forfeit your claims and will require you to delete all the list of items above. 

You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE
Product: Money transfer, virtual currency, or money service

This letter is to inform Coinbase of a fraudulent activity committed through your company 's services. I was involved in fraud with Scammers from the company XXXX I would like to emphasize that during so-called cooperation with the firm mentioned above, its employees provided me with a lot of fake information and as a result, I accepted the investment of quite a reasonable sum of money for me, namely XXXX XXXX from this sum were transferred to the Coinbase wallet, associated with scammers. They made me believe I was purchasing and investing in XXXX, but in reality, my money was just stolen. I was led to believe that I was " trading '' with the funds that were transferred, while in reality, the fluctuation in numbers was all smoke and mirrors for the scammers to get away with stealing all of my funds. 
I have included all the necessary proof for the damages, both financial and mental, that have been done to me throughout my interaction with this fraud. The tactics used included : emotional manipulation, double binding, complicated market speech, harassment and blackmail. I understand that sketchy companies can be put under a lot of pressure from Coinbase 's side as they can lose their ability to process payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is with regret that I submit this. Experian has always been very nice, accommodating, amazing, professional, courteous, and sweet every time I called them throughout the years. For this particular issue, I only sent a letter to Experian via mail and did not contact them via phone. 

On XX/XX/XXXX, I sent a letter to Experian via United States Postal Services Certified Mail. My letter disputed the following seven ( 7 ) hard inquiries from my credit report. 
XXXX. Creditor : XXXX XXXX I Inquired on XX/XX/XXXX XXXX. Creditor : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. Creditor : XXXX XXXX Inquired on XX/XX/XXXX XXXX. Creditor : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. Creditor : XXXX XXXX Inquired on XX/XX/XXXX XXXX. Creditor XXXX XXXX XXXXXXXX XXXX Inquired on XXXX XXXX XXXX. Creditor : XXXX XXXX Inquired on XX/XX/XXXX Please see attached files titled " Experian '' and " XXXX Experian.pdf ''. I have also attached images of the USPS Certified Mail receipt. 

On XX/XX/XXXX I received an email indicating my dispute results are ready. ( Please see attached file titled XXXX Email - Your Experian Dispute Results are Ready.pdf ) I clicked on the link provided in the email. I noticed the seven ( 7 ) hard inquiries I disputed were still there and not removed. 

On XX/XX/XXXX, I received a letter from XXXX denying me a credit limit increase. A reason for the denial is that the credit reporting agency reported too many inquiries. ( Please see attached letter titled " XX/XX/XXXX - XXXX denied my request for credit increase.pdf '' ). 

Please help me. I have an excellent credit history. I have an exceptional payment history with XXXX delinquencies among the 10 open accounts. The only " poor '' part of my credit report is the amount of hard inquiries. Please investigate the seven ( 7 ) credit inquiries I indicated. Please remove the seven ( 7 ) credit inquiries. If the inquiries have been verified and can not be removed, please provide a thorough and detailed description of how the re-investigation was conducted. 

Thank you for your time and attention to this matter. Please re-investigate and remove the seven ( 7 ) credit inquiries I indicated. Thank you very much.
Product: Credit reporting or other personal consumer reports

I found out through social media that XXXX was improperly using my information. Ive had fraud on mg account less than XXXX weeks ago, and decided to trust zelle to transfer back and forth through accounts to have some money to use. I do not consent of my information being used by XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I received a letter from " Green Sky Program '' loan, which stated that my application was denied, even though I didn't apply for any loan recently. 
I think my identity has been stolen.
Product: Checking or savings account

I was at the PNC atm located XXXX XXXX XXXX XXXX XXXX AZ. I made a deposit of {$500.00}. The ATM kept going in circles and then stopped and provided a receipt stating that we encountered a problem returning your cash. Please contact your financial institution. I called PNC Immediately and was advised a dispute case was opened the number XXXX. I was informed that the department that could expedite the provisional credit was closed and to call back today. I called back today and the representative from yesterday entered the amount as {$800.00} incorrectly. The representative on today had to close that one and open a new one XXXX for {$500.00}. I was advised something different. This representative told me that is a provisional credit can be given I'd know by Monday XX/XX/year> and to keep checking my account. That is not good enough for me! I have bills to pay and need my money now before it's too late! I did not break the item or cause the error.
Product: Prepaid card

American Express Gift cards do not work at online retailers even though the documents with the gift card indicate that they do, including detailed steps on how to do so. 

Calling their number for help no longer puts you through to a person who can activate the card for online purchases. In years past, this was possible. Now an autoresponder voice gives you menu options alone that don't resolve the problem. 

I've purchased large numbers of these gift cards for over 20 years and the problem just began last year. Amex makes no efforts to resolve the issue. They have essentially stolen hundreds of dollars from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

ARS : Account Recovery Solutions Account # XXXX {$1700.00} Medical Report is a HIPAA Violation by sharing my information with ARS. No contract with ARS or signature.

ARS reporting on XXXX, XXXX, and XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent account opened using my personal information. Also several attempts to get credit using my name and personal information.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a dispute regarding an account in collections that is listed on my credit report. The account in question is with Jefferson Capital. I cant remember who they said the original creditor was, I think XXXX or XXXX. I have XXXX XXXX though. 

When I saw it on my XXXX XXXX report, I disputed it and specifically asked for a copy of the original bill or detailed documentation related to the debt. However, the collection agency only responded with a statement claiming that the debt is accurate without providing the documentation I requested. And now on XXXX XXXX it says No Info for Original Creditor name and Type and even Closed Date. 

I feel like I am entitled to validation of the debt, including documentation showing the original details of the bill. I dont know what I own for. Since I have not received the requested documents, I believe the collection agency has not fulfilled its legal obligations to verify the debt. 

I kindly request that you investigate this matter for me. 

I appreciate your attention to this matter and look forward to your prompt resolution. 

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

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX/XXXX  XXXX  # 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> and XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

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
Product: Credit reporting or other personal consumer reports

I am the Victim of Identity Theft since 2015 been sending Supporting Documents to XXXX Transunion and XXXX for the last 6 years Identification Updated Bills Social Security Card Lease and still items remain that have been fraudulently from a hacker unknown keep disputing nothing is being done my name email and social have been compromised repeatedly sending in proof of who I am
Product: Vehicle loan or lease

On XX/XX/XXXX, I entered into an auto loan agreement with XXXX XXXX to finance a XXXX XXXX XXXX from XXXX XXXX XXXX  of XXXX, XXXX The vehicle was advertised online for {$23000.00}, leading me to believe that was the total price. However, during the financing process, the cash price was increased to {$26000.00} without clear explanation. 

Additionally, the loan terms included : XXXX term 25.99 % XXXX ( an extremely high interest rate ) Amount financed : {$23000.00} Total repayment : {$46000.00} Monthly payment : {$640.00} Additional charges : Service Contract : {$2500.00} GAP Insurance : {$900.00} I also made a {$10000.00} down payment, bringing the total amount I am required to pay to {$56000.00}, which is more than double the advertised price of the car. 
I was not clearly informed about the price increase, extreme interest rate, or additional fees before finalizing the transaction. I believe I was subjected to deceptive lending practices, including : Bait-and-switch pricing ( advertising a lower price, then raising it ). 
Loan packing ( adding unnecessary or undisclosed fees to the loan ). 
Predatory lending ( charging an excessively high interest rate ). 
Actions Taken I reviewed the financing agreement and noticed the discrepancies. 
I contacted the dealership for clarification, but they did not provide satisfactory answers regarding the price increase and added fees. 
I am now seeking CFPB intervention to investigate these potential fraudulent practices. 
Desired Resolution I request an immediate review of this loan to determine whether : The advertised price was misrepresented or if a bait-and-switch occurred.

The interest rate is fair and in compliance with lending regulations.

The extra fees ( service contract, GAP insurance ) were properly disclosed and authorized.

If any violations are found, I seek an adjustment, refund, or cancellation of fraudulent charges. 
Despite paying {$10000.00} upfront, I am still being charged a total of {$56000.00}, which seems unfair and excessive. Please take swift action to investigate XXXX XXXX XXXX of XXXX and XXXX XXXX for potential fraud or predatory lending.
Product: Credit card or prepaid card

I dont have exact dates because i have requested for months my staements i cant evem see the transactions no statements are mailef anf for months i wasnt able to even log in! y account due to hacking of my account, i have called and emailec customer support too many times to count asking for statements XXXX they told me they would be sent but have not recevied