23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My checking account is through skylight netspend account. For some reason my card got hacked ( transactions from XXXX ) and of course I disputed it! They told me it will take 10 business days for me to get an update or provisional credit. I call for an update and now theyre saying that due to me not sending an letter of dispute ( Which was never told to me as a step that was needed ) I have to wait until XXXX for an update on my account! I have bills and everything that Im falling behind on because some one hacked my card! I didnt lose it, and I didnt give out information. I even spoke to a supervisor to see if I can send the letter now due to me being told misinformation so I can get my money as fast as possible and they basically said Im XXXX until XXXX of this year. This happened in XXXX so this is a 3 month time frame for something that ruined my life in a matter of a day. My landlord doesnt care that my card got hacked! I have fees for not being able to pay my bills! This is such a ridiculous way to do business! Especially if you see on your systems that I was told incorrectly!
Product: Credit reporting or other personal consumer reports

This is the second time I've written this complaint, so please excuse me. Last month XX/XX/2024, I disputed certain accounts with your organization. Despite my best efforts, I am still seeing questionable accounts on my credit report.
Product: Mortgage

I have been with Fay Servicing since they took over servicing of my loan late last year. I scheduled a mediation as per my rights, and met with their Attorney. I did not have an attorney present. The mediation was a scam. They stated " will give you 90 days '' and under duress I signed the documents. I asked during the mediation that if I had a well paying job would I be able to submit for a review and modification, they said yes. I found a job XX/XX/XXXX and submitted all required documents. I was in constant contact with my servicing representative. I have been trying for years through XXXX to get a mod. Each time we 'd get close I was laid off. Then I started over. My representative is now trying to push a short sale - or deed in lieu, even though I have a job and submitted all documents. The foreclosure is running in parallel and I feel the stress of running out of time. Why are they not following the comprehensive loan modification program as I meet the Eligibility? I bought in 2004, paid {$420000.00} for XXXX bath XXXX car garage modest house. I put down $ XXXX. and paid off the XXXX in the amount of $ XXXX. It is now work {$250000.00} max. They are still charging 6.8375, they are still charging the old taxation rates. Why ca n't they write down my loan? I did n't walk away, I stayed when all my neighbors disappeared dumping their properties. I do n't want to get foreclosed. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. In addition XXXX, Equifax, and XXXX   has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX  are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since XXXX, Equifax, and XXXX has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliancy requirements. 

The inaccurate entry is as follows : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> I dispute this entry on the following grounds : 1. Reporting Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity. 

2. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA. 

3. Metro 2 Compliance : The Metro 2 Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant. 

I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and Metro 2 compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report. 

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

CHASE SENT ME A CHECK FOR {$35.00} WHICH I DEPOSITED WITH MY BANK ON XX/XX/2021 AND ON XX/XX/2021 THE BANK TOOK THE MONEY BACK AND CHARGED ME {$15.00}!!!! APPARENTLY CHASE SENT ME A BOGUS CHECK OR STOPPED PAYMENT WITHOUT TELLING ME BUT I WANT ALL MY MONEY BACK INCLUDING THE {$15.00} I WAS CHARGED FOR THEIR BOGUS CHECK!!!!! THIS IS COMPLETELY UNACCEPTABLE!!!! NO WONDER I STOPPED USING THEIR CREDIT CARD, CUSTOMER SERVICE XXXX!!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX
NOVEMBER 12, 2024 
ACCOUNT NUMBER: XXXX
LOCATION INFORMATION: XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX


 TO WHOM IT MAY CONCERN, THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XXXX XXXX XXXX WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT).

 AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM. THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES ( I.E XXXX, XXXX & XXXX  ) ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION- (I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION; (ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR (iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION. THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED XXXX XXXX AND XXXX ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802. IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; XXXX XXXX XXXX XXXX  IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT. PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL. 

FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS. THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS.

 I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT AND UPDATE ACCOUNT TO PAID AS AGREED; LATE PAYMENTS: 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT. THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

 SINCERELY, XXXX XXXX
Product: Credit reporting or other personal consumer reports

After I forwarded a copy of the FTC report, it became apparent that you are not obstructing records. I'm sending this complaint to help with the legal response because it's required under FCRA regulation 605b. I will provide over my archives to my lawyer so that they can start a legal action if you choose not to impede the associated items listed below that are providing incorrect answers due to fraud. As it is not my intention to pursue any lawful activity, please abide by the law if it is not too difficult. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Data Breach and Request for Credit Report I am writing to formally file a complaint regarding the exposure of my personal information due to a data breach. This breach has caused my sensitive data to be exposed and accessed without authorization, which has caused an impact on my credit report and financial standing. 

Under the Fair Credit Reporting Act 15 U.S.C. 1681C-2 I am requesting that all inaccurate, fraudulent, or unauthorized information be removed from my credit report immediately. Specifically, the FCRA mandates credit reporting agencies to block and delete any information resulting from identity theft or fraud upon receipt of a valid request and supporting documentation. Under the FCRA, credit reporting agencies are required to ensure that the information they report is accurate and must investigate any disputes about inaccuracies. If any information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or removed promptly. 

Additionally, under the FCRA 1681N and 1681O, violations of these rights can result in penalties, including damages for non-compliance. I believe these provisions are relevant in my case as the ongoing presence of compromised information on my credit report reflects non-compliance with these federal protections.

I urge the CFPB to take immediate action to investigate this matter and ensure that the credit reporting agencies involved are held accountable. Please advise me of the next steps required to resolve this issue and protect my rights under federal law.

FCRA 1681e ( b ) FCRA 1681 I ( a ) ( 5 ) Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports and noticed that there have been some fraudulent accounts opened under my name. These are : - XXXX XXXX XXXX XXXX TD Bank USA/Target Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is significantly affecting my credit report.

There were also some addresses that I have never used : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are a few phone numbers that are also not mine : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries viewed by others and only by me currently listed and showing on my Chex Systems XXXX Report ID : XXXX are unauthorized and not my inquiries : XXXXXXXX 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 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
Product: Credit card or prepaid card

Sub : Refund issue from Comenity Capital Bank I purchased an Airline ticket ( XXXX XXXX ) at XXXX on XXXX XX/XX/XXXX using XXXX XXXX  XXXX credit card ( Issue by Comenity Capital Bank ) for a charge of {$1100.00}. I applied for this card through the ticket purchasing transaction process at XXXX. 
XXXX / Comenity Capital Bank issued a temporary account card. The same card with the last 4 digits showing on the XXXX ticket purchase receipt ( TEMPORARY ACCOUNT ISSUED BY XXXX / COMENITY BANK XXXX  ). 
Later on, XXXX issued a permanent card. 
Travel Dates : XX/XX/XXXX ( XXXX  to XXXX  ) - XX/XX/XXXX ( EWR to HYD ) XXXX # XXXX  / XXXX Booking ID XXXX / Itinerary # XXXX XXXX canceled the flight due to the covid-19 pandemic. 
XXXX confirmed that XXXX XXXX issued a refund of {$540.00} on XX/XX/XXXX. 
This refund is not showing up on my XXXX / Comenity Credit card account ( Permanent Card ). 
However, the initial charge and the payment I made are showing up on this permanent card. 
I contacted XXXX, Comenity Bank / XXXX XXXX XXXX, and XXXX teams to find the refund, just asking me to make circles between these 3 companies ' customer service departments from the past three months. 
Message from XXXX : " We have received a response from XXXX and we were advised that If the credit card expired, the passenger needs to follow with the bank directly. '' Another Message from XXXX : " According to our notes, our customer booked the reservation using their XXXX  card ending XXXX that has an expiration date until XX/XX/XXXX. According to the airline, they have processed the partial refund of XXXX USD back to the original form of payment last XXXX XX/XX/XXXX. 
The cause of the missing refund is because the original form of payment is already expired. '' I strongly believe that Comenity Capital bank doesn't have the correct account synchronization/integration between the temporary card and the permanent card. 
I brought this concern to the bank customer service team multiple times and no one digging into the roots to find a solution for this problem. Simply replying with messages redirecting me to talk to XXXX etc. I dont find a path to reach XXXX XXXX / Comentiy Capital Banks Senior Management. 
Absolutely no help from the regular customer service team.
Product: Checking or savings account

Company was charging excessive fees reported them to the CF already. They responded with the letter stating that nearly one-third of the fees we're just and then refunded an amount of money that was not equal to 2/3 of the total fees. Total fees in excess of {$3000.00} amount refunded XXXX that leaves a balance of {$600.00} and {$0.00} that they still owe me according to their letter if one third is just then 2/3 was charged incorrectly. I'm asking for the remaining amount of {$600.00} be refunded to my account according to the letter from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

All the amount of loans were not correct, when I was a student I was working two jobs, am sure did not take these amount of loans. They had been reported wrong and overcharging. I saw all in the news from 2005  there was a lawsuit against the loan server. Still, there were so many lawsuits all over the USA, against them, for misleading.
Product: Debt collection

CASHNETUSA has not honored my cease and desist contact including email communication. All correspondence is supposed to be sent by mail only. Emailing my inbox is a violation of the cease and desist order.
Product: Checking or savings account

In XXXX, XX/XX/XXXX I received a wire transfer from XXXX XXXX XXXX which is a company where I sell my invoices to cover my payroll for my business. In the past I have received wires from this same company with no problems. Prior to receiving the wire I had {$4000.00} in my account. Bank of America placed a block on my card and said that I would have to wait until XXXX, XX/XX/XXXX to go into a branch. I went to the branch and was told to provide my XXXX XXXX PAPERWORK as well as my W9. The banker in the branch assisted me. The paperwork was said to be approved ; however, Bank of America then placed a hold on my account to investigate the wire. The banker advised the manager that I had received these wires numerous times. He also requested that BOA allow me access to my existing funds the manager denied access to those funds of {$4000.00}. 
He advocated for me explaining that I was traveling for work and had no money or money to pay for a hotel. They refused and said it would take 24 to 48 hours to remove the block. The next day they closed my account and denied me access to my funds and I am without money for food, hotel or gas.
Product: Mortgage

. New servicer is reporting a tradeline that was discharged in a Chapter XXXX Bankruptcy. The reporting date is XX/XX/XXXX and Date of last activity is XX/XX/XXXX. This debt was discharged in XX/XX/XXXX and I didnt reaffirm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2021 To Whom It May Concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. The definition of a credit card Pursuant to Title 15 USC 1602i means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit meaning my Social Security Card was used to originate every consumer credit transaction in my File making me the original creditor Pursuant to Title 15 USC 1602g. I demand Pursuant to 15 USC 1681a ( 2 ) ( B ) that the following transaction be removed from my credit report immediately as you are violating my rights as a federally protected consumer under Title 15 Chapter 41. 


1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX XXXX Account Number : XXXX 4. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX 6. XXXX XXXX Account Number : XXXX Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

For several years now a few times a year I get a Notice of Adverse Action via email from Wise Loan to a very old email address I do not actively use ( XXXX ) It always has extremely out of date information listed for me. 
Every single time it happens I contact them via the email address they provide in their email and they skirt the blame and say my info was used on a third party site and no loan was given. They refuse to provide me any information about the application like the XXXX address, the device use, or even the name of the third party lead generation company yet they claim they want to help me. 
They also promise they will block my info and never contact me again, yet like clock work a few months later I get another Notice of Adverse Action and have to spend my time dealing with their continued fraud. 
To be clear I have NEVER applied for any loan like this, in fact through my consulting firm I advise leading companies like Wise Loan and in fact their investors have probably used my service in the past. I have also never used any lead generation credit company for any kind of credit application and in fact I have not applied for any form of credit in well over 5 years. 
Their harassing of me needs to stop. I find it amusing that they claim they can not block my information. If they can not perform that basic task then there is no way they comply with dozens of federal and state regulations. Simply through XXXX  they owe me well over $ XXXX and I will be pursuing a complaint regarding that with the FTC. 
It is time they are punished for their violations. XXXX seems to be an easy one. If they contact me and send me a check for {$5000.00} I will not engage an attorney and seek a XXXX figure settlement.
Product: Credit reporting

Experian refuses to allow me to dispute information regarding inquiries. Since it 's easy to take someone 's personal information, match it to an application and leave the inquiry as-is, they have repeatedly refused to remove the inquiries I have enclosed ( I circled them ) and refuses to request the companies in question supply an original application, which is FCRA mandated. 
Moreover, they refused to let me dispute XXXX/XXXX when the items and information reported have never been proven as mine, or proven accurate. 
I have the right to request a written copy of the process used to determine the information on my report is accurate as shown. So I am doing so.
Product: Money transfer, virtual currency, or money service

On XX/XX/11, I was called by a scammer who acted as an immigration officer. He went through the law and said that I was gon na be detained If I don't send money for an immigration hold. I was afraid, and I sent the money through XXXX. I sent XXXX payments to XXXX ( XXXX ), {$1200.00} and {$790.00}. I was also asked to send {$2000.00} to XXXX ( XXXX ), although it was declined. The bank has told me to contact XXXX, and I have talked to XXXX, who've opened up an investigation which will take 45 days.
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for CAPITAL ONE to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account Number CAPITAL ONE - XXXX CAPITAL ONE - XXXX Last XXXX digit SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I send in a dispute request for all 3 credit bureaus ( XXXX, XXXX  & Transunion ) to update the XXXX  balance to {$0.00} or remove the account as the XXXX  sent me a 1099-C to pay taxes on the debt that was owed/ XXXX  verified the balance that issued in my 1099-C form on XX/XX/XXXXwhen the issued a cancellation of debt let to me back XX/XX/XXXX.