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

I've recently received a copy of my personal credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Checking or savings account

deo of florida account was hacked shows direct deposits with a 12 digit confirmation number. They require a 15 fed payment id number that unemployment will nt or does not provide. the funds were deposited via ach/direct deposited can not get refund from deo unemployment services when funds were not returned.
Product: Credit reporting or other personal consumer reports

XXXX, TRANSUNION XXXX  XXXX all lf them reported me as a delimquent while that account was not mine.I tried to dispute.Some corrected info, some not, but never updated my score which went down from mid XXXX to upper XXXX. 
I tried talking to all of them they kept on ignoring my request
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XX/XX/XXXXXXXX Balance Owed : {$7100.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( I ) EXCLUSIONS- Except As provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681s-3 of the title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states : Transactions or Experiences between the consumer ( me ) and the person ( you ) ( Apple Card/GS Bank USA ) Making the report is NOT INCLUDED on my Consumer report!
Product: Credit card

Capital One has been unable to provide a XX/XX/2024 statement for my credit card. I called in XXXX and they stated there was an IT error and it would be corrected shortly. I called on XX/XX/XXXX, 6 weeks later and there is still no XXXX statement. The credit card personnel stated it has impacted a number of customers, it has been escalated, but there is no known action or date when it will be fixed. Mind you that the card, which is on autopayment at the end of each month and for each statement did pay a sum for the charges which would have been on the XXXX statement and covered the XXXX period. This makes ensuring there is no fraud on the card difficult and the company doesn't seem to be working the issue.
Product: Debt collection

I filed a report with FTC.gov concerning Identity Theft ( # XXXX XXXX. This is concerning two credit card debts with XXXX Bank. They turned it over to Portfolio Recovery Associates. I sent them a copy of the FTC complaint. Additionally, I filled out all the paperwork they sent me concerning the debts. These are not my debts! They continue to call and harass me. Additionally, these are still showing up on my credit reports. One credit card is for {$680.00}, the other is for {$340.00}. 

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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2024 Experian Legal Department XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NOTICE OF INTENT TO SUE Dear Experian Legal Department, I am writing to express my intent to take legal action against Experian for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Experian has failed to comply with the dispute procedures outlined in the FCRA, resulting in several violations of my consumer rights. 
Specifically, I contend that Experian failed to follow the dispute procedures outlined in the FCRA by : XXXX. Failing to forward my information to the furniture company in question. 
XXXX. Failing to conduct its own investigation into the accuracy of the information in question. 
XXXX. Failing to conduct a thorough investigation after receiving information from the furniture company. 
XXXX. Failing to correct any inaccurate information present in my credit report. 
XXXX. Failing to remove disputed or inaccurate debts from my credit report. 
XXXX. Failing to handle disputes within the 30-day timeframe required by the FCRA. 
XXXX. Committing privacy violations and unauthorized access by releasing my private information to public and/or permissible entities. 
XXXX. Making mistakes with inaccurate bankruptcy information and failing to notify me of such errors. 
XXXX. Reporting outdated information such as misstated balance, and reporting payments incorrectly. 


These actions have resulted in harm to my reputation, financial standing, and overall well-being. Experian 's conduct constitutes violations of 15 USC 1611 criminal liability, 15 USC 1681n civil liability for willful noncompliance, punitive damages, deceptive practices, negligence, and defamation of character under permissible purpose 15 USC 1681. 
I demand that Experian take immediate corrective action to rectify the inaccuracies in my credit report and provide compensation for the damages I have suffered as a result of their actions. If Experian is unwilling to settle this matter, I am prepared to take legal action to hold them accountable for their violations of the law with {$1000.00} per violation. 
I request a response to this letter within 30 days to discuss a potential settlement agreement or to arrange for formal legal proceedings. Thank you for your attention to this matter. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to open an account with my local credit union and was told that I'm in the chexsystems, I pulled my chexsystem  report and it shows that XXXX XXXX  if reporting a debt owed to a checking account, I never applied for a santander checking account, I don't have a XXXX XXXX  in my area, the closest XXXX XXXX  near me is more than XXXX miles away, I need validation of the debt, I need the XXXX contract showing my signature and I need proof that this account was opened by me XXXX XXXX, I am a victim of identity theft and this account was opened under fraudulent pretense. remove this account from my chexsysttem report or I will file a suit.
Product: Bank account or service

Key Bank insists I have a checking account with them. I do not. I never had any accounts at Key Bank. They sent me five correspondences, including a bank statement from this non-existent account! One letter stated they were going to " furnish negative information to a credit reporting agency '' They say my account number is XXXX. I have been contacted/dealing with their fraud detection department. They want me to claim I am a victim of identity theft -- I am NOT. I want nothing to do with this bank. Thank-you. 
Sincerely, XXXX
Product: Credit card or prepaid card

Today I received a package in the mail. Someone had ordered merchandise from XXXX and shipped it to my name/address. When I when to XXXX to track the order with the order number I found that the order was placed with a VISA card in my name. The last four digits of the VISA card are not any of my personal cards, but someone used my name/address/my mom 's cellphone number as the contact information to open a VISA card. 

I called both of the banks that I use, and I called CFPB. They recommended that I look at my credit report, freeze my credit reports, file a complaint against VISA, and file a police report.
Product: Vehicle loan or lease

Account # XXXX When I was buying the vehicle I was not informed about the heavy daily finance charge. it was hidden in between their long XXXX page contract during the loan disclosure. 

It's been approximately 3 years and this has put me in deep debt since Covid. 

My monthly payments are {$300.00} and {$85.00} of it are allocated to daily finance fees. This only leaves me with a principle of {$200.00} going towards my loan monthly. Please note, I have paid the full due amount every month on time. 

This is predatory and has put me in debt and hardship, especially after Covid. I didn't know I was getting taken advantage of with my car payments until I spoke to a XXXX. In addition to this, the APR ( 9.45 % ) was unfair for someone with a XXXX XXXX XXXX and who never made a late car payment.
Product: Checking or savings account

Bank of America wants to charge my account for replacing my debt card. These fees were not charged. The rep XXXX XXXX wants to charge per phone call at XXXX.
Product: Credit reporting or other personal consumer reports

This letter serves as my second formal complaint regarding multiple fraudulent accounts appearing on my credit report that are not mine. Despite my previous dispute filed over 30 days ago, these accounts have not been validated or removed as required by law. I am demanding immediate action to resolve these issues. The fraudulent accounts in question include DEPTEDXXXX ( Account # XXXX and XXXX XXXXXXXX, appearing multiple times as duplicates ), XXXX ( Account # XXXX and # XXXX ), and XXXX XXXX XXXXXXXX ( Account # XXXX ). Issues identified include discrepancies in open dates and reporting details across credit bureaus, erroneous late payment histories, and false collection or charge-off statuses. These violations include 15 U.S. Code 1692g ( a ) - failure to notify me in writing within five days of reporting the debt, 15 U.S. Code 1681e ( b ) - failure to ensure maximum accuracy, 15 U.S. Code 1692g ( b ) - failure to validate debts, 15 U.S. Code 1681c-2 - failure to block fraudulent accounts, and 15 U.S. Code 1681s-2 ( b ) - failure to investigate and correct inaccuracies. Furthermore, under 15 U.S. Code 1681i ( a ) - failure to reinvestigate and correct inaccurate information within the 30-day period and 15 U.S. Code 1681i ( c ) - failure to include notice of the dispute in subsequent reports, I request the Consumer Financial Protection Bureau ( CFPB ) enforce compliance and exercise its authority to mandate the immediate removal and blocking of these accounts as stipulated by 15 U.S. Code 1681c-2. I request the immediate removal of these accounts from my credit report, written confirmation that they will not be re-reported, and compliance with federal laws cited. Failure to address this matter promptly has already caused me undue harm and damage to my creditworthiness, and I will escalate my complaint to the CFPB and pursue legal remedies if unresolved. Please treat this matter with urgency and provide a written response within 15 days of receipt of this letter. 

Sincerely, XXXX XXXX
Product: Student loan

On XX/XX/XXXX and XX/XX/XXXX, I submitted inquiries via XXXX 's online system requesting information and an explanation as to how my income based repayments were being distributed amongst my loans. A far larger portion of thte payments is being applied to the lowest interest rate loans, despite my having previously submitted requests, in writing, regarding application of payments ( namely to highest interest rate loan first ). I have been unable to determine whether the distribution of payments ( again, a substantial amount of principal on the lowest interest loans, but only a few dollars on all others ) is required, or whether fedloan should be abiding by my request regarding payment distribution. I found no applicable information on XXXX 's site. XXXX failed to respond - I received neither electronic, written nor telephone response to my question, beyond an email confirming receipt of my submitted inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  In XXXX XXXX XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX XXXX offered an assistance program to place my account in forbearance between XX/XX/2017 - XX/XX/2017 during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. 

When billing reoccurred I disputed amount owed because it contained late fees and accused interest for forbearance period. I have disputed this reporting with XXXX XXXX, XXXX, Transition, and XXXX to no avail. This time period should not report as late, past due, or negatively impact me.
Product: Debt collection

XXXX and XXXX XXXX on behalf of LVNV/Resurgent Capital ( Sherman Acquisitions ) has revived a default judgement for approximately XXXX. The initial default judgement was issued in 2008, and as such 14 years has elapsed. I am unable to contact the original creditor, nor the agency/entity that claims to have completed proper notice of service. I was never served to appear for this debt and XXXX and XXXX dismissed my Motion to Vacate the judgement based on the claim that I was properly served a Notice to Appear. It should be noted that the original creditor no longer offers this financial product in my state and has/will not respond to inquiries. It should also be noted that this account has been handled by no fewer than three collection agencies and two law firms and I am unable to get information on the Notice to Appear document that was allegedly served.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX XXXX Case Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
10. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX/ Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

On XX/XX/XXXX, I was contacted by Chase Credit card services to set up a settlement. I offered the amount I could afford to pay them, and they accepted this monthly payment with a reduced balance. They are now saying there was never a settlement, and they are now saying I owe the balance in full. 

I requested the call recording with their agent be reviewed, and it denied my claim. however in order to listen to the call, I would need to subpeona their call records through a lawyer. I am unable to afford a lawyer, and I feel this bait and swith process should not be allowed.
Product: Mortgage

I am a XXXX XXXX assisting my client ( XXXX XXXX, loan # XXXX ) through the process of correcting his default on his mortgage loan. Our company has tried several time to get vendor paperwork completed in order to submit payment on our client behalf. 

On XX/XX/XXXX ; 2nd party authorization was sent along with vendor paperwork via fax and email. 

Beginning of XX/XX/XXXX, I called to verify that the paperwork was received by LoanCare. The agent who I spoke to stated that the paper work was received and would be 7 - 10 business days to process. 

In addition, XXXX XXXX submitted his regular payment, which was returned to him without explanation. 

XX/XX/XXXX ; I called to follow up with the paperwork that was sent as our company hadn't received a response. XXXX at LoanCare stated that the paperwork must have gotten mistaken as just the 2nd party authorization. She also stated that there was no notes entered for the conversation that took place at the beginning of XX/XX/XXXX. She resubmitted the vendor paperwork and stated that it will take 2-3 business days. 
I also addressed the question of why his payment was returned to him. The response was that LoanCare will only accept no less than half the amount owed, approximately {$4000.00}. 

XX/XX/XXXX - I called LoanCare to follow up with the Vendor paperwork that was resubmitted by XXXX at LoanCare. They couldn't find where the paperwork was submitted. I asked what I had to do to submit it. I emailed the paperwork to XXXX and received a email response that gave me a reference/ticket number : XXXX. 

XX/XX/XXXX - I called LoanCare to follow up with the vendor paperwork that I submitted on XX/XX/XXXX. The agent who answered ( Agent ID # XXXX ) verified the loan #, address, etc. of client I was calling for, and also verified other party authorization. I asked her about the paperwork that submitted in order for our company to send in payment, she put me on hold. 
At XXXX, another agent for on the phone and went through the whole verification process, only she didn't find the other party authorization. I stated when we sent that in and that I have been authorized previously. She put me on hold. 
33 minutes into the call, XXXX # XXXX answered and went through the verification process and other party authorization. She stated that the company name was entered wrong on the attachments and that maybe why I wasn't authorized. After explaining once again why I was calling, she put me on hold to see if she could get a customer support representative on the line to assist me. She did check on me twice while on hold. 
After 1 hour and 5 minutes, I still did not receive any clarification or answers. XXXX did forward my information to her manager, XXXX to look over.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> after applying to rent an apartment, I was told via email : " Your request was carefully considered and we regret that we are unable to approve your application at this time for the following reason ( XXXX ) : Credit history unsatisfactory You have too many collection agency accounts that are unpaid. '' It's my understanding that Transunion has been fined for reporting incorrect information on consumer reports, and it's my belief that because of these incorrect reports, I was denied housing.
Product: Credit card or prepaid card

XXXX XXXX XXXX  / XXXX / {$9300.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Debt collection

During the months of XXXX through XXXX, this debt collection was seized and removed from my credit account due to being fulfilled with the company. An ex-spouse had stolen the property, I reported an incident and spoke with the company, then the debt got removed. 

Unfortunately, they re-aged the debt and added it onto my credit account, AGAIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX XXXX XXXX ACCOUNT # XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ) EXPERIAN HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 A 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name was included in the XXXX data breach which occurred between XXXX - XX/XX/XXXX but I was notified in XX/XX/XXXX. I wanted to file and official report regarding this breach since my data is on the dark web and there are several items on my personal non-public information credit report I don't recognize and I have to deal with consumer reporting agencies as a result.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you