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

This account is more than XXXX XXXX XXXX and should be deleted from my report. 

Statute of Limitations : The seven-year credit reporting limit is separate from the statute of limitations, which is the legal time limit for a creditor to sue you to collect a debt. 

1. Account info Account name XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$48000.00} Highest balance - Terms XXXX Months
Product: Credit reporting or other personal consumer reports

I was affected by the data breach and it cost me dearly. I paid out of pocket {$8000.00} and I have complained to the CFPB multiple times about this. I have also submitted an invoice and filed and reimbursement claim before XX/XX/year> on www.EquifaxBreachSettlement.com. See attachments to this email. Today Equifax and the Settlement law firm XXXX XXXX XXXX who has handled the Settlement fund of {$570.00} XXXX has only offered me {$17.00} they sent me in the form of a check I refuse to cash. I have complained about this multiple times with the CFPB Equifax just gives a generic excuse in their response and does not address the problem. Meanwhile I am still out {$8000.00} I have to pay out of pocket I was promised to be reimbursed when the CFPB and FTC ordered Equifax to pay the {$570.00} XXXX to reimburse people like me that we're affected. Yet they refuse to do so. I would like the CFPB to send this complaint to the FTC if the CFPB XXXX. I will also like the CFPB to take action against Equifax and the law firm handling the funds XXXX XXXX XXXX if they can. They are not taking nothing serious and they got the invoice and the claim before XX/XX/year>.
Product: Credit reporting or other personal consumer reports

There is a collection account reporting on my credit report listing you as the original creditor of account XXXX which has an alleged balance of {$240.00}. I do not recall having an account with you, nor do I recall receiving correspondence from your company about this alleged debt. There was nothing sent to me informing me that this alleged debt was being sold to a XXXX party company. Furthermore, I have no information about this account or collection agency. The collection agency listed is XXXX XXXX which is not very specific being that there's many companies with this name. I reached out to who I thought was the collection agency and they stated that they did not have an account for me. I am requesting all information related to this account within XXXX business days or this account is to be removed from my credit report immediately. Your company has been in many lawsuits due to illegal practices.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Debt collection

On XX/XX/2018, submitted a request to reporting credit bureaus to verify that I owed XXXX XXXX XXXX for a medical bill. 40 days later, I received a bill stating to make payments payable to XXXX with dates of service but no paperwork with my signature stating that I owe them the debt. The original creditor was XXXX XXXX XXXX. I need to receive paperwork, with my signature, that states I owe XXXX   Collection.
Product: Credit reporting or other personal consumer reports

I am reaching out to address a critical matter concerning XXXX 's inaccurate reporting on my consumer report, disseminated by XXXX, Transunion, and XXXX, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations. I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of Charge Offs across all three credit reporting agencies by XXXX is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " 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. '' The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. It has damaged my livelihood. In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 
Thank you for your time and consideration.
Product: Mortgage

Loan originally signed with XXXX XXXX company, XX/XX/XXXX. 
Loan was transferred to XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. 
Green Tree Servicing LLC acquired my loan from XXXX. I applied for a loan modification due to a hardship on XX/XX/XXXX with Green Tree Servicing LLC. In XXXX, my loan was changed from 30 year fixed to a 40 year fix without my knowledge nor consent.

DiTech Financial, purchased Green Tree Servicing LLC, then XXXX of this year my loan was transferred to XXXX XXXX. I attempted to refinance my loan to a 15 year fixed at a lower rate, loan officer with XXXX XXXX advised me of my 40 year fixed loan. I retrieved ALL of my mortgage documents to do a full review. I discovered Green Tree Servicing LLC abused multiple homeowners/borrowers.
Product: Debt collection

I was never notified about this debt of XXXX according to XXXX Diversified Consultant stated the addresss matched and I was not living there. This was over 2 years ago and XXXX did not notify me. Called XXXX directed me to Diversified requested a pay to delete and was refused. This was removed from XXXX and XXXX XXXX because there was no evidence of address or notifying me about this at all in its entirety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquiry ( fraud ) Occurred from XX/XX/XXXX through XX/XX/XXXX.
Product: Credit card

On XX/XX/year>, I discovered that there was a Dillard 's Mastercard opened in my name when I received a bill from them. The bill was for charges in the amount of {$2900.00} on the Dillard 's Store charge card. I did not make those charges. 
I immediately called Dillard 's to dispute the charges and they were able to remove the charges and closed the account.
Product: Credit reporting or other personal consumer reports

Despite my previous attempts to resolve this issue, I have noticed that inaccurate information continues to be reported on my credit file by XXXX, XXXX, and Equifax. This incorrect information remains unchanged, even after multiple disputes. The ongoing errors are not reflective of my actual financial situation and are negatively affecting my credit profile. I have attached detailed letters outlining the specific inaccuracies and providing evidence to support my claims. I kindly request that you thoroughly review the attached documentation and take immediate action to correct these errors, ensuring that my credit report is updated with accurate and truthful information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax still reporting an account that is fraudulently open and I reported and send the report to Equifax the account name is XXXX XXXX # XXXX. All the disputes I make they don't send me the evidence of they making an independent investigation and they don't accept my report, violating my rights.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Collections that are being challenged XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit card or prepaid card

So on XXXX XXXX while at XXXX XXXX Course I noticed a charge on my Government Travel Card that I did not make or authorize, when I called Citi they said that some one gave my card number to the travel company instead of another soldiers card number when booking their travel. So I called citi bank to dispute it around XXXX ( XXXX ). Citi bank refused to do anything about it and said they would not take off the charge and that I had to talk to the travel agency that booked the flight, so I did. I called XXXX XXXX XXXX at XXXX And talked to XXXX and XXXX who said that they got my card number from XXXX XXXX, who is the XXXX account manager, and charged my card {$570.00} for travel. XXXX XXXX gave the travel agency my card even though the personal info on the account he was supposed to give had a birthday of XXXX which is clearly not my birthday. The travel company called Citi and told them it was charged by accident that same day and the XXXX account manager called Citi on XXXX XXXX to tell them the same but Citi still refuses to remove the charge from my account. Then in XXXX I called them again and here we are now in XXXX and they are still refusing to remove the charge and they said that even though they know it is an unauthorized charge they 're going to keep the account in the past due status and they refused to send me a letter stating that they know it is not my charge. They are saying that there 's nothing they can do about it that I have to find a way to take care of it even though I already reported it to them that it is not an authorized charge. Originally I was supposed to get a refund from them because I had over paid by about {$180.00} on a previous bill but now I ca n't get the refund or the charge taken off my account
Product: Checking or savings account

I have proof that my account was closed out and my money was used on my account with a results of my account being closed out I was told that I would get the remain of my money on balance with a check sent to my old addresses years ago. I nevered received any check from this or any details on my account because I been locked out of my account for years. I have did research and see that I can contact an attorney in general or the XXXX  and the CFPB for this matter all I would like it my money that is just sitting on the account being used for fees that is my benefit money and they are holding XXXX asking me to send over documents that I keep sending them. They will tell me multiple times this over and that i have to wait when I send them the documents after be told im denied or need to send more documents for proof please someone help me out with this matter.
Product: Credit card

My payment has a due date of XXXX. I went to pay it today only to find they have an unfairly early cutoff time that benefits only the XXXX XXXX. The time is set for XXXX EST which is only XXXX PST. No other credit card company does this. It is not something that is fairly done, if a payment is due on a certain day all other credit card companies give one until XXXX to pay, this includes those on the east XXXX XXXX, they also make an allowance for time zones. I did speak to someone who basically told me there are no exceptions and that I was rather stupid not to notice they had a very early time in tiny print on the back of the statement and it was my fault and " too bad '' for me. It seems a punitive way to make people pay days ahead to not be charge late fees again. It is even too early for the EST, XXXX is not an accepted time, again XXXX is. I will be incurring a late fee for paying on the day it was due. This is XXXX XXXX XXXX XXXX XXXX, they recently took over from XXXX  XXXX XXXX who did not have such unfair and unheard of cut off times. Why do they have EST cut offs when they are based in Texas? I do not think it is fair to be charged a late fee when one has paid on the exact due date and before XXXX in one 's time zone.
Product: Credit reporting or other personal consumer reports

I called and tried sending a email on XX/XX/XXXX with no return response. XXXX asking why they have reported my account as closed when I am still making on time payments every month and this has affected my credit score significantly and if they have gone out of business the customer should not be the one to be punished. I need that removed off of my credit report immediately.
Product: Checking or savings account

i filed a complaint with chime bank immediately when i was notified that {$77.00} DOLLARS WAS SENT OUT OF MY ACCOUNT WITHOUT MY CONSENT I called customer support and was told nothing can be done because the transaction has been completed.After the rep clearly took my statement and was aware that my card details had been compromised did not even offer to close my account and issue a new cardi had to put the rep on hold while i transferred whatever money was left in my acct to another acct so the rest of my funds would not be funneled out there was clearly fraud done on my card with a old customer of mine that did have my card number from a transaction months prior however this person had no authorization to send themself money the way they did in the past it wa a charge to their business this was clearly money sent to this persons acct with my card details i asked to send me the investigation details how they came up with no error accord they said that the decision is permeate. and cant be reversed they have failed to notify meow they came about these results they have not provided me with ip address of device used to send money nor have they even looked at the other persons acct to see if what im saying is correct they are very incosiderate this is 2nd time this happened to me first time i letit go i was travelling but right when a charge came up i called chime andwas told nothing can be done charge is pending now nothing can be done charge posted so how is my money protected they carry the visa logo that clearly states in their slogan not responsible for unauthorized charges [ please hereis the letter i get over and overAccount Number Ending In : XXXX Claim ID : XXXX Dispute Type : Pay Friends - Unauthorized Transfer Date Error Reported : XXXX Claim Amount : {$77.00} Hello XXXX XXXX, This letter is to inform you that we have made a final determination regarding the claim referenced above. 

Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX. 

Sincerely, Chime XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have disputed the following items since XXXX with no valid verification Addresses not mine XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX collection accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian has failed to fulfill it legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to a 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 Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumers
Product: Credit reporting or other personal consumer reports

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX XXXX / XXXX Balance XXXX $ Acct Number -- - Date Opened XXXX XXXX XXXX XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number -- - Date Opened XXXX XXXX XXXX XXXX
Product: Credit reporting 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 XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute : US BKRPT CT MD XXXX XXXX Purpose : Supplementary explanation of evidence. 

To Manager, I have previously disputed this bankruptcy record with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

Please note my attached Birth Certificate. My legal name is noted there. Its the name I am required to use in all legal proceedings. This further shows that this record does not belong to me. I am frequently the target of identity theft and people burning my credit report with false info since my data has been breached by XXXX, XXXX, XXXX, and other companies. 


XXXX XXXX
Product: Credit card or prepaid card

A couple of weeks ago I open a business credit card with Capital One. 
Days later, I had my accounts ( personal and the business credit card ) restricted without notice, apparently for fraud protection. 
I did receive a notice about a week later in the mail, but no email or notification. 
I dont understand how the bank sends a notice to the address they are trying to figure out is right ( which it is ), instead of contacting me through the app where I sign in with my fingerprint or phone. It just doesnt make sense. 

Capital one did the following : Failed in the deadline initially given to me to solve this issue ( 7 to 10 business days became 3 weeks ) Requested me to send a picture of my social security ( seriously no institution, bank, etc has requested me to send a picture of my social security number ) Failed several times to address my problem and unlock my accounts. I was not able to use my personal credit card for 3 weeks. 
Forcing me to stay 30 minutes in conference call between Capital One and a third party provider ( electrical company ) in order to confirm that I was an authorized user of my electrical account. Total call lasted 48 minutes, and there were several calls with Capital One before that one, which failed to help me. 
Failed to provide more options to me in order to address my problem. They requested proof of address, but didn't accept rent bill or letters from official government institutions ( like XXXX or XXXX ) directed to me showing my address. This is unfair as the situation of everyone is different. I do not have a lot of physical bills coming in. I do not have cable bill, water bill and bills like electrical and internet are hold into my husband 's name. 
Failing to offer more options to provide proof of address is almost discrimination. 

I'm filling this complaint because I honestly do not think that this was handled properly, and I want to help other consumers to avoid the same situation, or be provided more options that I was provided as well as a faster resolution.