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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXXXXXX XXXX  XXXX Balance : {$17000.00} XXXXXXXX XXXX  XXXX Balance : {$8200.00} XXXXXXXX XXXX XXXX Balance : {$1400.00}
Product: Credit reporting or other personal consumer reports

Recently, all social security numbers and other personal info of, XXXX, XXXX, and the XXXX were stolen and posted on the dark web. Finding out that I could freeze my credit accounts have me piece of mind. I signed up for new accounts on XXXX and XXXX. During the sign up process on Equifax it said there's an error and it can't do that right now ( something like that ). I tried to log in ( since I had already made it through most of the process of account creation ) and it says " We are temporarily unable to complete this request ''. I get that errors happen, but there is no reason listed whatsoever. If you're going to be a credit agency that literally determines people 's financial health, you should be able to give me a reason my account creation can't be completed. Due to this, I am unable to freeze/unfreeze my account for this particular agency. If you look this up online, multiple people have this issue without a resolution ( just a round-XXXX of XXXX we'll escalate '' and then the results are, ( paraphrased ) " We can't do that with your account right now ''. Please explain as this is a severe multi-country issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to FCRA Section 605B ( a ) the Experian shall block 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.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I have 23 hard inquirys on my credit report with XXXX that I didnt apply for credit also XXXX where someone applied for things using my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account from XXXX XXXX  on my credit report that is not mine. The only reason I even found out about this account is because I was denied from. getting a personal loan at XXXX today XX/XX/27. I did not open this account and I did not give anyone permission to open this account in my name. I am not affiliated to this company in any way nor did I benefit anything as a result of this account such as money, goods, services or any other benefit nor did I ever make any payments that might have been made towards this account. I have already filed a police report regarding this unauthorized account.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I flew to Colorado to purchase a used vehicle. I did not request or authorize additional inquires for financing. I had already received proof of approval and submitted the deposit on XX/XX/2023. The finance manager did not realize that had already been done and proceeded to mass request approval for an auto loan. XXXX notified me of the attempts and I immediately brought this to the attention of the person who was selling me the vehicle and he put a stop to it. Since the XXXX of XX/XX/2023 I have been in regular contact with the dealership I purchased the vehicle through, The auto loan financing company 's they submitted to and the credit bureaus themselves. Each of them is stating it is the others responsibility to have it removed. XXXX XXXXXXXX XXXX states they have no record of it yet they are appearing on my XXXX account. XXXX XXXX has submitted a dispute and TD auto finance has not responded to me. There are several more company 's appearing on my credit reports that have not sent me anything via physical or electronic mail stating they ran my information for an auto loan inquiry. The dealership requested these inquiries without my approval, direction or knowledge. After the fact they informed me they were ONLY soft inquires which was a blatant lie. I am requesting assistance in insuring the immediate removal of these unauthorized inquires.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code & 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 912 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute letter regarding XXXX XXXX  account it is being reported as 30 days late when I was never late and the account is closed. Also transunion does not match my other credit reporting agencies XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 
I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 
In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Please remove it from my credit report or Im seeking litigation please delete.

1. I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name XXXX XXXX Date of inquiry : XX/XX/year> 2. I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name XXXX XXXX  Date of XXXX : XX/XX/year>XXXX XXXX
Product: Debt collection

I am writing to formally request validation of the debt you claim I owe, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt, and before I take any further action, I require the following information : 1. **Proof that you have the legal right to collect this debt** ( either the original signed contract or other valid documentation ). 2. **Details of the original creditor** ( including the name and address of the original creditor and the account number with the original creditor ). 3. **A detailed explanation of how the amount you claim is owed was calculated**, including fees, interest, or any other charges added to the principal. 4. **Documentation that shows the debt is within the statute of limitations** for collection in my state. 5. **Proof that I owe the debt** to your organization or that you have been assigned the right to collect this debt. 6. **A copy of the purchase agreement or assignment agreement** that transfers the debt from the original creditor to your agency, demonstrating that you are legally authorized to collect on this debt. Please treat this letter as a dispute of the debt, and cease all collection activities, including reporting this debt to any credit bureaus, until proper validation is provided. I expect to receive these documents within 30 days of receipt of this letter. Should you fail to provide this information, I will consider the debt invalid and will expect you to cease all collection activities and remove any information related to this debt from my credit reports. Thank you for your attention to this matter.
Product: Checking or savings account

We bank with Wells Fargo with a business account. When depositing a check from a government agency, Wells said they would hold the check XXXX weeks. We told them they could not do that as I researched the legal process on check holds. Since it was the only bank we were banking with, we deposited it hoping for a quicker turn time. As of Friday XX/XX/XXXX, the funds were not available, and it was the end of the XXXX business day. We opened an account last week with a different bank which cashed another check from the school district in XXXX hours. We have been told this XXXX week hold many times by Wells Fargo. It mattered this time as the school was late in paying and we needed the cash for payroll.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account on my credit report. I have disputed the account and the subsequent collection account directly with the creditor several times to no avail. I have requested any and all proof of who opened the account and have only been provided with billing statements. I was told by the collection agency to file a fraud report with the FTC however I have a child in college and I am in the process of buying a home. Placing a fraud alert on my credit alert will cause major inconveniences when applying for student or home loans. This is the only fraudulent account that has ever appeared on my credit report and I do not believe that I should be inconvenienced any further due to this company 's failure to properly identify applicants. I finally decided to dispute with all 3 credit bureaus. After investigating XXXX deleted the collection account. XXXX closed the collection account. XXXX verified the original account and the collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was paid in full. I have been unable to get this removed or updated on my credit report. I was told that it would be removed. That has yet to happen and its been over a month. They also have told the credit bureau that the account is reported accurately and thats not the case. I spoke with XXXX XXXX and paid in full on XX/XX/18. As of today theres still a balance showing.
Product: Credit reporting or other personal consumer reports

I sent you a letter last month because you are reporting some late payments that are NOT accurate and I asked you to update these late payments to ON TIME PAID AS AGREED. 

You seem to not understand how serious this is because you have not fixed this issue for me. Please look at this letter as it is my 2 ' time notifying you of some items that are incorrect, these are NOT Accurate on my credit reports. 

I have listed the account name and account number below along with the dates you are reporting late, and those dates need to be changed to PAID AS AGREED. 

Account name : XXXX XXXX XXXX Account number : XXXX Dates reporting NOT Accurate : XX/XX/XXXX and XX/XX/XXXX, Please fix this immediately, this is my 2* letter and I am trying to buy a home. 
Thanks for your help,
Product: Credit reporting or other personal consumer reports

This CFPB complaint is filed pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request that you, Experian, block information appearing on my credit report that is the result of identity theft and fraud. 
Details of Fraudulent Activity : The fraudulent information includes : A personal credit card account opened at XXXX XXXX XXXX on XX/XX/year> under account number XXXX I have attached a copy of my credit report maintained by you which shows the aforementioned fraudulent items. 
Identity Theft Verification : I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) with Case Number XXXX. A copy of the report is attached as proof of identity theft. 
Demand for Relief : I request that you, Experian, block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). 
Contact Information : Please send all written confirmation regarding this CFPB complaint to my email address : XXXX XXXX
Product: Credit reporting

I sent XXXX And Equifax multiple requests regarding removal of an old mark on my credit from XXXX XXXX XXXX. 

Accordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way.
Product: Credit card

Booked a cruise with XXXX XXXX XXXX  with a deposit of {$200.00}. I was told on the phone that as long as I cancelled cruise by XXXX that the deposit would be refunded. I cancelled on XXXX but never got my deposit of {$200.00} back. Chase is refusing to credit me back
Product: Checking or savings account

The financial aid disbursement was deposited into bank mobile vibe account in mid XXXX XXXX funds were on hold due to identity theft, and I went through all the necessary steps to clear the hold and now they have no record of that financially dispersants being deposited into the account. they promise provisional credits, and I never receive those. Its now been over 45 days. They still arent cooperating following or following their regulations. I have yet to see a deposit, and I am going to fail my classes. It doesnt seem like its a priority to them. Theyre unprofessional the way that they answered the phone and the way that they and the way that they talk to me is extremely rude.
Product: Student loan

Hello I had several loads with XXXX dating back to XXXX and I started paying around XXXX. I have been trying to get my payment history from Federal Student Aid, but they consolidated my loans with out my request and my loans are now serviced by Ed financial. Ed financial was able to provide history dating back to XXXX. XXXX serving just told me they were unable to provide the history from XXXX despite me making payments directly to them. I would like my payment history that must exist in their records somewhere. Thanks.
Product: Credit card or prepaid card

In XXXX I had a Nordstrom 's card. The day I bought a suit, they offered me a card. I accepted. They ran my credit and put my purchases on the card. They never sent me a card. A few months later it went on my credit report. I explained what happened and they refused to take the info off of my report. Angry, I paid off the balance and closed the account. In early XX/XX/XXXX, I received two pieces of mail. They reopened the account without my authorization. This is fraudulent and it is unacceptable. Somebody could have intercepted it. It took me all afternoon to get the account closed. Furthermore, they told me I had never closed the account. This is false.
Product: Credit reporting or other personal consumer reports

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Account Name : XXXX Date of inquiry : XX/XX/2023 Account Name : XXXX XXXX Date of inquiry : XX/XX/2023 Account Name : XXXX XX/XX/XXXX Date of inquiry : XX/XX/2023
Product: Checking or savings account

On XXXX called me from a XXXX area code saying my light will be cut off within XXXX minutes and gave me a XXXX to call XXXX XXXX  so i XXXX  XXXX transaction XXXX for {$300.00} and the other for {$490.00} to XXXX XXXX. It turned out to be a scammed once i contact XXXX XXXX on XX/XX/2021 so then i contact Chase bank explaining to them that i got Scammed and i was Under the impression that i was Paying con XXXX they wrote down all the information that i told Them. They reversed back the funds on XX/XX/2021 back to my account and now all of sudden today XX/XX/2021 they did a claim reversal so now my chase account is overdrawn. I really Need back my full amount of money {$790.00} i dont Have money like that.. please get back to me.
Product: Credit card or prepaid card

There is an error in my credit report. One of my CitiBank credit card is showing as closed on XX/XX/2014 but I didnt close it.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigaton on my credit report and found several items on there to be inaccurate Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures so assure the maximal possible nocuray of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any feinvessigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the intormation 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 fie of the consumer, of modify that item of information, as appropriale, based on the resus of the feinessigation; and ( i ) promptly notity the furnisher of that information that the information has been modified or deleted torn the fle of the consumer. 
Please remove the foliowing items from my credit report, immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly lates on the XXXX partial account numbers - XXXX ; XXXX and XXXX. ( Please see pages 20, 21 and 22 of the attached credit report. ) I consolidated these loans and was making my monthly payments. I was sent a notice saying that I was late on payments. The payments I was making did not get credited to the right accounts and consequently it caused the lates on my credit report. This accounting error was not my fault. I was told by a representative that they would correct their accounting error and remove the late payments. This has not happened. I have contacted the ( 3 ) bureaus to fix this inaccurate reporting which is harming my credit score. Please remove the lates from my credit report.
Product: Payday loan, title loan, or personal loan

I was sent a notice for a Personal loan for Big Picture Loans in XX/XX/XXXX. I took the loan. The lender disclosed the interest in a fashion which stated that 14 % interest was going to be charged. In actuality its 14 % per DAY. So total of 798 % interest. This was never stated.

They never disclosed the length of the loan, which is 18 months. This brings my total paid to them for a {$1200.00} loan to over {$7000.00}. dollars.

I have tried to ask them to take bigger payments to get the loan out from under me. They took the information, then never charged my account that amount. I also tried 4 times to ask for a payoff amount, with each time the words " payoff my loan '' were spoken, they suddenly could not hear me, and would hang up. ( Last time occurring XX/XX/XXXXat XXXX XXXX   CST ). This went on for the entire morning.

I asked one representative what their Business License number was for Minnesota. They refused to talk to me.

I am beyond frustrated with this company, and need assistance to pay this loan off at a reasonable, state allowed interest rate of 33 %.

Thank you for your help!!
Product: Checking or savings account

Added my SoFi checking account to my direct deposit via XXXX for {$1200.00} from my paycheck to be deposited. Accidentally mistyped the account number and left out one digit, has been confirmed with my company 's payroll that the funds did not bounce back and were deposited into another persons account at SoFi. I have the exact routing and account number that the funds were deposited into but SoFi will not look into this issue without a trace ID. I work for a very large company that utilizes a payroll department that operates outside of the US and they can not provide the trace ID. My payroll department can not reverse this issue but can verify any information necessary for SoFi.
Product: Credit card or prepaid card

I applied for a business credit card with Chase Bank XXXX credit card. I read the terms and conditions of the application and provided all requested info. I did not give authorization for Chase to pull my personal credit, nor was I asked to pull my report. I received a hard inquiry without my consent. I called the creditor and explained I read the terms and conditions and no where was I asked permission to pull my credit. I requested a removal and was told they could not remove it but will update the application to include a request to access credit reports in the future. I called XXXX XXXX and they said to request a deletion letter so I the creditor again and was told they can not give me a deletion letter for an online application.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports