23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XXXX of 2022, I had submitted a dispute involving two transactions. My XXXX credit card, issued by XXXXXXXX XXXX, had been charged and I disputed two transactions. The XXXX agents instructed me to mail a physical dispute form, and I had received confirmation of this in letter dated XX/XX/2022. Today, XX/XX/2022 I had contacted the company once more, requesting updated status on my dispute. Usually, financial institutions issue a provisional credit during the interim of their investigation. However, XXXX agents this evening had firstly ended our phone call intentionally, and then on the second and third call they provided misreported, and false information regarding the status of my claim. These agents stated that they received my dispute submission today, rather than the initial letter of confirmation which specified confirmation on XX/XX/2022. In addition to this, they have provided inaccurate and contradicting information about the status and details of my dispute. I am seeking provisional credit during the interim of this period, and have not been updated nor contacted via email, mailing, or phone call. {$310.00} is the total amount I have disputed, and the company has been extremely negligent in processing this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX Balance {$15000.00}, XXXXXXXX XXXX XXXXXXXX... Balance {$16000.00}
Product: Credit reporting or other personal consumer reports

I requested that my credit profile be unfrozen with the three major credit reporting agencies XXXX Experian and XXXX. I contacted XXXX and Experian online in XX/XX/year> to unfreeze my credit profile. I also called XXXX around XX/XX/year> to unfreeze my credit profile, I went through a series of security questions and I was told by XXXX that my credit profile would be unfrozen and furthermore XXXX would contact Experian and XXXX to ensure my profile also reflects as unfrozen with the other two credit reporting agencies. I applied for credit on XX/XX/year> and was told by two different companies that the credit profile still remains frozen which indicates that these credit reporting agencies likely did not honor my requests to unfreeze my credit profile. 
According to the attached article also found here XXXX XXXX XXXX XXXX although they did not admit wrongdoing, intentionally deceived consumers who asked for security freezes to be removed and XXXX was fined by the CFPB. If it was proven that XXXX wilfully deceived consumers in reference to not removing security freezes as consumers requested, I do not rule out the possibility that Experian and XXXX committed similar violations.
Product: Credit card or prepaid card

I CLOSED MY ACCOUNT MORE THAN 4 MONTHS AGO. I OVERPAID MY ACCOUNT BY {$51.00}. I WAS TOLD THAT THEY WOULD ISSUE A REFUND WITHIN 2 BILLING CYCLES. I CALLED AND SPOKE TO A REPRESENTATIVE IN XXXX AND WAS TOLD I WOULD BE REFUNDED THE OVER PAYMENT WITHIN 90 DAYS! THAT WAS A LIE! I CALLED TODAY AND SPOKE TO ANOTHER REPRESENTATIVE AND WAS TOLD THAT THE REFUND WOULD BE ISSUED AFTER 4 MONTHS! ANOTHER LIE! I HAD BEEN A CUSTOMER FOR OVER 30 YEARS AND HAD TWO CARDS. I CANCELLED BOTH CARDS BECAUSE THEY OUTSOURCE TO XXXX AND THAT REPRESENTATIVE WAS RUDE, ARROGANT AND DID NOT UNDERSTAND ENGLISH! I WAS ATTEMPTING TO ACTIVATE MY NEW CARDS THAT WERE SENT TO ME. I WAS NEVER LATE ON ANY PAYMENT AND PAID PRIOR TO THE DUE DATE! THE XXXX REPRESENTATIVE ASKED ME FOR ALL MY INFORMATION INCLUDING A PICTURE OF MY DRIVERS LICENSE BOTH FRONT AND BACK. HE WAS ABLE TO SEE THE FRONT AFTER I TOOK SEVERAL PICTURES BUT AFTER 20 ATTEMPTS FOR THE BACK SOMEHOW HE WAS UNABLE TO SEE OR MAKE IT OUT! I FELT IT WAS A SCAM SO I TOLD HIM ( XXXX? XXXX TO CANCEL MY CARDS!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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. 




XXXXXXXX XXXX XXXX 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: Mortgage

I get daily phone calls from the same number ( XXXX ). This number is from Chase Mortgage. If I answer the call it will automatically hang up on me, and then calls me back later in the day. I have spoke with Chase about the calls and they claim they will not stop.
Product: Checking or savings account

5/3 bank will not recognize a cashier's/certified check purchased on Saturday XX/XX/XXXX that has Monday 's date XX/XX/XXXX on the check. The federal reserve does not recognize Saturday as a business day and neither does the bank from which the check was purchased at. When speaking with the branch assistant manager, to which his reply was, 5/3 bank 's policy is to not allow future dated checks. 5/3 recognizes Saturday as a business day and therefore can not accept the check per bank policy. That the system would return the check and cause the client a fee. This is an inconvenience to the client. I feel 5/3 just tries to complicate things five thirds of the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, there is an fraudulent account on my credit report from XXXX XXXX XXXX with the account number XXXX opened in XX/XX/XXXX. I have never opened an account with XXXX  XXXX XXXX. 

I do not have an account with XXXX XXXX XXXX. I've never had an account with XXXX XXXX XXXX. I have not given anyone permission to use my credit or to add my name to an account with XXXX XXXX XXXX. 

This account needs to be deleted upon receipt of this documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again.
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 XXXX XXXX XXXX. 




XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX LAKES XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX RESIDENT VERIFY XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/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 any 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 or prepaid card

On XX/XX/XXXX I received a letter from this company stating they used my information to submit an application on my behalf in XX/XX/XXXX. 

They stole my identity and information for use of their own benefit. They lowered my credit score by fraudulent practices for their own benefit costing me careers, education, other financial services opportunities such as getting a bank account or credit card, a car and a mortgage. They directly impacted my life in a manner that cost me and my child ( ren ) their livelihood. 

They also ran my social security number over eleven times in XXXX and refused to acknowledge any of their mistakes instead stating that I was crazy. They would often gaslight me and say that calls I had with them did not happen though I recorded some of them and my account from my phone company does in fact reflect the calls were made. They have caused me mental anguish, anxiety and a loss of faith in the credit system and banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. Your cooperation would be GREATLY appreciated.

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.

2. Identity Theft CAPITAL ONE Account Number : XXXX  This is not mine.

3. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

5. Identity Theft XXXX  XXXX XXXX XXXX Account Number : XXXX  This is not mine.

6. Identity Theft XXXX  XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX  This is not mine.

7. Identity Theft XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine.

8. Identity Theft XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

The investigation is more than 30 days without an answer
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted TransUnion XX/XX/22, XX/XX/22, XX/XX/22 and XX/XX/22. I informed the representative that the account does not belong to me and the social security number or name does not match mines. I also contacted the original creditor and they confirmed the information does not match mine. The account remains on my TransUnion Credit report. 
XXXX XXXX account does not belong to me. 

I contacted TransUnion XXXX XXXX XXXX account. This account does not belong to me. The ss # does not belong to me. TransUnion refuses to remove it from my credit report. This account are preventing me from getting credit approvals.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. Contacted Transunion about the inquiry issue on my credit report. Customer service won't take care of it. 

I did not make any inquiry for the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is not my account you ; re violating my rights, no proof of validation has been submitted to me, XXXX XXXX XXXXXXXX - 15 us code 1692j - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. 

XXXX XXXX - XXXX U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies please delete XXXX XXXX - XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 5 us code 1692j - furnishing certain forms- It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. 

also my name is XXXX XXXX - Please delete all othe rnames your showing on my credit report.
Product: Vehicle loan or lease

I purchased a car from the care dealership ( XXXX XXXX XXXX ). I feel that there were many misleading comments about the purchase of the car such as repairs that were to be done, etc. The interest was also excessive, they charged me XXXX in interest on a XXXX loan. The interest was charged up front which was very heavy. I had to pay on the car for over two years to come back to a little under the original price of the car. I feel that much of this was explained to me after the fact and not before. The print on the contracts is very small and hard to read which I explained to the finance people that I had a hard time reading the contract and asked for help explaining it. After having to deal with trying to get the repairs done on the car which was a whole other story, I found out other issues. When I took the car to the dealership for the repairs, they put a tracking device on my car along with a GPS Starter Interrupt system. To me, this has not only been a complete invasion of my privacy, but dangerous as well as I feel that this has been affecting the way that the car operates. I have taken my car in multiple times to get looked at by mechanics. I have had several tell me that the system could be malfunctioning and affecting the way that the car drives, etc. I have made several calls and complaints about this to Credit Acceptance and the dealership. This is not even legal in the State of Nevada anymore, however, they are getting around this stating that I am grandfathered in and that they can do whatever they want with this. The other issue is that if I ask to make payment arrangements, etc. I get threatened that they are going to shut my car off which they have threatened me on multiple occasions with this. I feel that this is a form of extortion and is also dangerous.. A woman was driving on the freeway in XXXX when a company shut her car off while she was going 60 mph. I have medical issues and do not want to be stranded in 110 degree heat out in the desert if someone at Credit Acceptance gets upset with me and decides to shut my car off, etc. I have had times where I have been on the phone with employees of Credit Acceptance where they tell me that they are going to look me up on the GPS, etc. This is a complete invasion of my privacy and rights. I am very upset about all of this and this has been a great deal of stress on me. I have been making my payments to them and have paid over XXXX on a car that is not even worth this at this time and still over over XXXX on the car. There are major mechanical issues with the car as well ranging from gas smells from the gas tank to the feeling like the breaks are being put on their own, etc. There are times where I do not feel safe driving the car and have told both companies about the problems.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX Balance : {$35000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$6000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 : XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/2022 ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$160.00} ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked this company to validate the debt and provide documentation. With them showing as the collection agency they should be able to provide me with information. They were not able to provide any documentation and they are still showing up on my consumer report even though I asked for it to be removed
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligations under the Fair Credit Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Transunion alleging systemic issues such as failing to to forward consumer - provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Transunion has corrected nor removed disputed items despite the evidence I provided causing on going harm to my credit standing. I am requesting immediate corrective action to remove and amend, the disputed Accounts as Transunion inactions violates federal law and my rights as a consumer. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX In reviewing my credit report from XXXX, I found unauthorized Inquiries. I made numerous attempts to resolve this matter via XXXX automated service, however I had no success by phone. The following inquires are unauthorized. 1. XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX 2. XXXX XXXX inquiry date XX/XX/XXXX 3. XXXX XXXX inquiry date XX/XX/XXXX 4. XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX 5. XXXX XXXX inquiry date XX/XX/XXXX 6. XXXX XXXX XXXX inquiry date XX/XX/XXXX 7. XXXX XXXX inquiry date XX/XX/XXXX 8. XXXX XXXX XXXX inquiry date XX/XX/XXXX 9. XXXX inquiry date XX/XX/XXXX XXXX. XXXX XXXX XXXX inquiry date XX/XX/XXXX Under 15 U.S Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a COVID-19 forbearance agreement with my lender ( Mr. Cooper ) due to hardship experienced during the COVID-19 pandemic. I lost my job due to COVID-19 and could not afford to make payments at that time. I asked my lender repeatedly if this will have a negative affect on my credit score and they repeatedly said NO. At the end of my forbearance period, I made a FULL payment towards the loan and a few months later I sold the house and paid the mortgage in FULL. Now I am learning that the mortgage company lied to me and they DID in fact report all missed payment on my credit report. That was NOT what we agreed to at the time. I have tried to contact them but they are being unresponsive. 

Attached is a letter I received showing that the mortgage has been paid off in full. 

Mr. Cooper lied to me and this negatively affected my credit score.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against [ EQUIFAX ] for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ EQUIFAX ] for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against [ EQUIFAX ]. 
Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above referenced account and requesting its removal from my credit report, [ EQUIFAX XXXX has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. The violations committed by [ EQUIFAX ] include but are not limited to : Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against [ EQUIFAX ] for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ EQUIFAX ] upholds its obligations under the law. Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue and holding [ EQUIFAX ] accountable for their actions. Sincerely