23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This inconsistency raises serious concerns about the thoroughness and accuracy of your investigation process. As a consumer, I am entitled to a fair and uniform assessment of all fraudulent accounts on my credit report. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. It is bewildering that your bureau would acknowledge the fraudulent nature of some accounts while neglecting to address others. 
XXXX XXXX XXXXXXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX -- PLEASE DELETE!!!! 
XXXX XXXX -- PLEASE DELETE!!!! TU have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I demand an immediate and comprehensive review of all the fraudulent accounts associated with my credit profile. If certain accounts were deemed fraudulent and subsequently removed, it stands to reason that the same rationale should be applied to all such accounts. Please provide a detailed explanation for the selective removal of fraudulent accounts and clarify the criteria used to determine which accounts are considered fraudulent and which are not. Transparency in this matter is crucial to rebuilding my trust in the credit reporting system.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent. 

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Deletion Resolution of Data Breach Impacting My Credit Report Dear EXPERIAN & XXXX I am writing to express my absolute outrage and deep concern regarding the data breach that has compromised my personal and financial information, resulting in an adverse impact on my credit report. This breach is a blatant violation of my privacy and consumer rights, and I demand immediate corrective action and accountability. 

Your failure to protect sensitive information has caused unwarranted harm, including [ briefly describe any specific consequences youve experienced, such as fraudulent accounts, credit score drops, denied applications, etc. ]. This is not only negligent but also inexcusable. 

Here are my demands for immediate action : 1. Thorough Investigation : I demand a full investigation into this breach, including a detailed explanation of how my information was compromised. I expect a written report on your findings.

2. Immediate Correction : Remove all fraudulent accounts, inquiries, and any other inaccuracies from my credit report immediately. Provide me with a clean and corrected credit report within 15 days of receiving this letter. 
3. Enhanced Security Measures : Inform me of the steps you are taking to ensure that this breach does not occur again. Your lack of effective safeguards has resulted in the loss of my trust.

4. Compensation : I hold you liable for any financial harm and emotional distress caused by this breach. Provide details on how you intend to compensate me for damages incurred.

5. Confirmation of Compliance : Provide written confirmation that all actions outlined above have been taken. Failure to comply promptly will leave me no choice but to pursue legal action. 


This issue demands your immediate attention. You have allowed your negligence to damage my financial stability, and I expect nothing less than a swift resolution. I look forward to your prompt response.
Product: Money transfer, virtual currency, or money service

Unauthorized wire transfer : On XX/XX/XXXX, I was reviewing my transaction from chase bank checking account and I Found transaction that I did not make. I had my debit card in my possession and did not authorize anyone to use my account and I didn't lose any phone or tablet but someone used outgoing wire transfer. 
XX/XX/XXXX {$10000.00} + {$75.00} fee XX/XX/XXXX {$1200.00} + {$25.00} fee So I called to chase fraud center on XX/XX/XXXX and made claim, the claim number is XXXX They said they will call back to me about this problem within 5 days but I did'nt get any response so I spent XXXX week And on XX/XX/XXXX I called again they said the claim is denied. It is said that the same IP was used in Chase. I don't know about that. This is fraud issue!! 
When I called on XX/XX/XXXX, I don't know if they did a wire recall or what kind of investigation they did. I want to know details of the investigation. ( includes date and time ) And I found traces that someone entered my account and changed my phone number and email. attach it. 
I visited Chase Bank on XX/XX/XXXX and sent a complaint letter through the bank teller. 
She said agent would call soon, but there was no call.
Product: Vehicle loan or lease

Hello! My situation is unique, and your options don't coincide with what's going on. So, I will explain it below. 

I applied for a personal loan on XX/XX/23 on Navy Federal Credit Union 's website. I keep my credit reports frozen, so I lifted the freeze just to apply for this loan. I asked for $ XXXX, but was counteroffered $ XXXX on XX/XX/23 online. 

Before declining their offer, I decided that I wanted to apply for an auto loan instead to pay off my XXXX XXXX XXXX. So, I emailed XXXX XXXX on XX/XX/23 asking if I did this, would they be pulling my credit again because I didn't want them to. They responded with a vague answer that it was up to the discretion of their lending department but they couldn't guarantee that they wouldn't pull it again. At this point, my credit reports were frozen again. 

So, I declined their personal loan offer on XX/XX/23 & went ahead and applied for the auto loan. Again, I emailed them asking them whether or not they'd have to pull my credit when they just did so on XX/XX/23. The response I got today, XX/XX/23, was the same vague one they sent me before. Then, they said I could call customer service and follow the prompts to the lending department after I asked for a lending manager to call me. 

So, I called XXXX at XXXX XXXX & eventually spoke to XXXX once their automated system called me back. They had a lot of customers ahead of me. I explained the situation to XXXX & he said that he didn't understand why customer service didn't just explain that the first report they pulled on XX/XX/23 was for a non-collateral personal loan. The report they tried to pull yesterday from the same credit reporting agency ( XXXX ) was for a collateral loan, and it's just their policy to pull it again. It doesn't make sense, but that's their policy. 

When I emailed them earlier today, I emailed my credit score along with proof that they already pulled my credit 3 days ago. My credit hasn't changed in 3 days & the vague email response just keeps stating that it's up to " their discretion '' whether or not they will use my XX/XX/23 credit report. If it's up to their discretion, then they are saying that they have the ability to use the report that they already have in their possession to make their decision on my auto loan application if they choose to. Them trying to pull it again yesterday would've caused me to lose more points from my score had my report not been frozen, and that's not okay with me. 

When I asked to speak to a manager earlier today, I wasn't given that opportunity. I'd like to apply for this loan with them, but I will go to XXXX, if necessary. This policy is illogical & doesn't seem to protect the customer at all.
Product: Credit card or prepaid card

Chase Card member XXXXervices notified me of unexpected sudden reduction of my credit limit due to a company review of my account. Their action brought my account now to within a maxed-out range with credit bureaus. Upon checking my credit reports I did not find anything negative to justify their actions. Therefore, their actions to unfairly reduce my credit limit has no basis to justify it and I deem it discriminative and predatory. Because of Chase 's Bank action it will now have a direct negative effect on my credit ratings .The company has accessed my credit report with a credit fraud and freeze alert feature .Resulting as a hard inquiry on my report and they did so without my consent or knowledge. I have not once been late with a payment .. As a result of their discriminative and predatory actions and without prior notice to me. My credit score has now been negatively affected.. I respectfully ask your office to investigate this matter fully. 
XXXX XXXX
Product: Checking or savings account

I recently opened a new business bank account on XX/XX/year> and provided all required information during the in-person appointment, including my valid drivers license with my current California address and my current phone number. Despite this, my debit card was sent to my parents home in Arizona a location I have never lived in. They have only lived there for a couple of years and, to their knowledge, have never had a relationship with this bank. 

When I contacted the bank to understand how this happened, I was told they found an old profile from when I lived in Arizona over a decade ago. However, at that time, I lived independently and not at my parents ' address. Furthermore, the bank had my outdated Arizona phone number on file instead of the one I provided during signup. 

The representative I spoke with could not explain how this information was pulled in or why the current data I submitted was completely ignored. I have followed up multiple times and have gone weeks without a resolution or any meaningful response. I havent even received a basic acknowledgment like well look into it. The lack of urgency is alarming. 

This situation raises serious concerns about data integrity, consumer data handling, and the banks internal systems. If outdated or unrelated personal information can override what is actively submitted during an account setup, it suggests a broader issue that may be affecting more customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA XXXX received payment for an outstanding Mastercard credit account balance on XX/XX/2021. The bank took payment for the account settlement and is refusing to provide documentation to myself that the account has been settled and the agreed to balance paid in full. I have called multiple times over the almost two week period since the settlement and they are doing nothing to provide the appropriate documentation of our transaction.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX & XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Payments were being made to ALLY financial for a 2015 XXXX XXXX. We had XXXX for two weeks which we didnt get paid for but we were still making payments to ally financial. Yet they saying we were behind & put delinquent on my credit report!!! THAT IS TOTALLY WRONG OF THEM & UNCALLED FOR!!! 
They were getting more than half of the amount needed of ONE payment. Called & harassed us for more money when we were making on time payments just not the full amount. Barely short. & this one only for ONE MONTH!!!!!!! This is ridiculous!!!
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$26000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I filed a dispute with American Express nearly 9 months ago, regarding an unjust charge of {$8000.00} for a product that was never delivered. According to their contract, I should not be held responsible for charges if products are not received. However, not only did I not receive a refund for the {$8000.00}, but they also allowed the company to tack on an additional {$1000.00}. This situation has not only incurred further interest charges, but I've been tirelessly calling about it for the past 9 months. Each time, I'm put on hold for hours and promised assistance that never materializes. Just two days ago, I called again, and suddenly, " their systems were down. '' I was assured a callback within 24 hours, which, unsurprisingly, never happened. This ordeal feels like a huge scam, and I strongly advise against using this card. I demand a refund of my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # : XXXX XXXX, XXXX. ( {$400.00} ) XXXX XXXX, XXXX. ( {$380.00} ) XXXX XXXX, XXXX. ( {$400.00} ) XXXX XXXX, XXXX. ( {$380.00} ) XXXX XXXX, XXXX. ( {$380.00} ) Original creditor : XXXX 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to verify an account that appears on my credit report. The account in question is reported under the following details : Collection Account Name : PORTFOLIO RECOVERY ASSOCIATES Account Number : XXXX .... 
Reported Address : XXXX ( identification number ). 

I would like to formally request an investigation into this account, as it is associated with an address where I have never lived. According to the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report. 

I kindly request that you investigate this matter and remove this account from my credit report, as it is not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX, XXXX has reported incorrect account on my credit report. Accounts was removed but XXXX   and XXXX unblocked my credit file and allowed XXXX XXXX to place the unauthorized account on my credit report as opened in my legal name. XXXX claims they did a investigation and received signed contract from XXXX XXXX. This is not true and false information on my credit report. I have attached police report from the original accounts opened without my consent. XXXX refused to file my dispute and advised I contact CFPB. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed  below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

THIS DEBT WAS CHARGED OFF BUT I HAVE NOT RECEIVED A FORM 1099-C ( CANCELLATION OF DEBT ). AS PER IRS REGULATIONS, I UNDERSTAND THAT CREDITORS ARE REQUIRED TO ISSUE A FORM 1099-C WHEN A DEBT OF {$600.00} OR MORE IS CHARGED OFF, CANCELED, FORGIVEN, OR XXXX. THE AMOUNT IS {$5900.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting and handling of my XXXX account ( Account XXXX XXXX XXXX  ) due to inaccuracies, unauthorized actions, and violations of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Dispute : Inaccurate Reporting of Late Payments : My credit report reflects late payments ( 30, 60, and 90 days ) on this account, which is incorrect. I have never missed a payment, and the account was paid on time. The continued reporting of late payments is inaccurate and damaging to my creditworthiness. 

Account Closure and Misrepresentation : The account was closed by the creditor with comments stating it was canceled by credit grantor due to inactivity. However, this does not accurately reflect the circumstances as I have maintained consistent payment activity. 

Unauthorized Auto Payments Post-Closure : Despite the account being marked as closed, XXXX continues to deduct payments from my bank account. This action is unauthorized, deceptive, and contrary to the terms of the agreement for a closed account.

Violation of Consumer Protection Laws : Under the FCRA ( 15 U.S.C. 1681s-2 ), furnishers of credit information are required to ensure accurate reporting. XXXX continued reporting of late payments and improper account closure violates this obligation.

Under the Electronic Fund Transfer Act ( EFTA, 15 U.S.C. 1693 ), unauthorized deductions from my bank account after account closure
constitute a violation of my rights.

The Truth in Lending Act ( TILA, 15 U.S.C. 1601 ) ensures transparency and fairness in account terms, which has been undermined by XXXX actions.
Product: Checking or savings account

I woke up Saturday XX/XX/XXXX to an unauthorized charge by XXXX for {$180.00}. I complained to my bank ( Chine/XXXX  XXXX XXXX but they said they couldn't dispute it until it wasn't pending. They closed my card and issued a new one and I thought they were going to handle it! On Sunday the XXXX, something weird happened, {$39.00} of it was credited back, but {$150.00} still remained pending. It sat and sat and I was hoping it would fall off, but Monday morning it became a permanent charge. I instantly disputed it at XXXX and by XXXX I had a denied claim from Chime! Why? I didn't make this purchase! I have been a great customer for 6 or 7 years never having a claim. What kind of investigation could they have done with an online purchase in 2 hours? I called back to get the claim reopened and sent.them a ledger and history of my XXXX account which only included two concerts tickets back in XXXX or XXXX! I had no payment method listed or address available! Everything I read the bank was wrong because I was not careless with my card or pin. This was a purchase I didn't authorize but they are sticking me with it! No way to get the merchandise to send back cause I don't know where or who it went to. That was my bill money but Chime allowed someone to take it. Where do I go from here! I will do it!! Please help me resolve this with this bank.cause they did not investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX shows an old joint account auto loan as being Charged Off/Written Off in the amount of : {$5000.00} and a balance due of {$100.00}. In actuality, the loan was paid off by XXXX XXXX XXXX, due to a total loss. The pay-off amount was : {$5700.00}. The check was issued by XXXX on : XX/XX/XXXX and cleared by XXXX XXXX XXXX on : XX/XX/XXXX effective XX/XX/XXXX. 

I spoke with XXXX today, XX/XX/XXXX, after I disputed the inaccurate information with Experian and XXXX. XXXX is removing the erroneous information. Experian is keeping it. XXXX refuses to do anything about it, even after showing they received and cashed tje check from XXXX. I explained to XXXX that by writing off the loan amount as a loss on their corporate taxes and taking the check from XXXX, is a form of tax fraud. It is either one or the other, not both. 

I spoke with XXXX today, XX/XX/XXXX and obtained a copy of the check they sent to XXXX. I uploaded the copy to Experian 's website. 

XXXX is not being honorable and living up to their reputation as a predatory lender.
Product: Credit card or prepaid card

On XX/XX/2022 a payment of more than {$500.00} was withdrawn from my bank account without any authorization given to Comenity Capital Bank. They fraudulently reported the payment as approved on the phone in the transaction notes when I never even spoke to anyone there.