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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$470000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$470000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$470000.00}
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX : Delete and type in all the inaccurate accounts in here. 

Example : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681 ( e ) ( b ) ).

Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, if an item of information 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 file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.
Product: Credit card

The accounts listed here were opened without my knowledge or consent. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from EXPERIAN XXXXXXXX XXXX I never contacted or contracted with this company. I contacted EXPERIAN XXXXXXXX XXXX by phone and letter. This is very frustrating and embarrassing, I tried challenging that they committed identity theft, Accuracy and Integrity but to no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions.12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 
12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX Avant credit took {$1100.00} out of my bank account without my permission for a monthly installment fee that was set up in the amount of {$380.00} to be taken out the first of each month. When I called them about the extra {$800.00} they took out they assured me that they would refund me the money but, it would take weeks for me to receive the refund. 10 days later on XX/XX/XXXX I called to see where we were in the refund process as I had incurred financial difficulties as a result of them taking {$1200.00} out of my account. At that time they told me they had not processed any refund. I was assured at that time that they would be processing my refund for {$800.00}. Today I received an email that they were only going to send me a refund of {$400.00}. When I called them about this they told me they were going to take an extra payment out next month as well. My account has not been late XXXX day nor do I even have a payment due yet and they informed me they were going to take another {$400.00} out on the XXXX and not be refunding me the money they took out last month that was over and beyond my scheduled monthly payment.
Product: Mortgage

I submitted a request on XXXX to have the PMI removed from my loan, since I am below 80 % LTV. I received a generic response about a week later, basically saying " we 'll get back to you '', but as of XXXX, still no answer. Since I went below 80 % LTV in XXXX, I 've made XXXX more mortgage payments including PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am Submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX  XXXX Balance : $ XXXX I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.
Product: Debt collection

XXXX tried to repair my 24 year old clothes dryer, after assuring that it will work like new again, which did not produce enough heat to dry clothes at a reasonable time.But they failed to do so. It produced same inadequate heat like before. After repeatedly asking to correct the situation, I finally stopped payment. Now they are hounding me to collect even more money from me.
Product: Credit reporting or other personal consumer reports

The account for XXXX XXXX that shows on my credit report for all the agencies is a company account for a company that I don't own. I have sent all companies the police report and the FTC report and it keeps coming back thats its me. I have even pointed out that this is a buniess XXXX account and they tell me that XXXX is reporting it as a personal account. I have told all three agencies that I called XXXX and they told me that it was a company account. I have done everything to get this removed but due to XXXX having my info on file even though it was stolen and they do not have a vailed ID on file they will not help me. My Ca DL starts with a XXXX the credit agencies have told me point blank that they don't care about the ID on file. When XXXX confirms my DOB, SSN and or name thats enough for them to keep it on my report. This can not be how things are handled. If my info was stolen and used then yes its going to come back as confirmed, if my info was stolen how am I supposed to get this off my reports? The only information that I have ever gotten from XXXX was after I started the ID theft claim and they told me that they show payments posted to the account from a XXXX XXXX  account, I don't nor have I ever banked with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my report and notice there are multiple discrepencies that need to be addressed. By law my report should be 100 % accurate and there are multiple discrepencies on my credit report.. i will attatch a copy XXXX Acct # XXXX The open date is incorrect the close date is not correct the date of last activity is incorrect and the date of last activity is incorrect. 

XXXX XXXX Acct # XXXX The opened date is not correct, The date closed in incorrect, The last date of activity is incorrect, The date last verified is incorrect, The Balance is incorrect XXXX  Acct XXXX The date of last activity is incorrect, The open date is incorrect, Date of last payment incorrect Previous Address XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Kansas XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX Dear Credit Department I am writing in regard to the account with your company, which is associated with the following information : Account XXXX Your Name : XXXX XXXX Please note that I am not disputing the debt in question. I am simply requesting the following details for my records : XXXX. Date of First Delinquency The first date that the account became delinquent. 
XXXX. Date of Last Payment The most recent payment made on the account. 
XXXX. Date of XXXX The date the account was charged off. 
XXXX. A copy of the XXXX showing the charge off information I kindly ask that you provide this information as soon as possible. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information to process my request. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Unauthorized Identity Theft Hard Inquiries Dear TransUnion, XXXX, and XXXX, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. Upon recent review, I discovered several inquiries that I did not authorize, and these are negatively impacting my XXXX XXXX. 

The unauthorized identity theft inquiries are as follows : 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 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 Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed copies of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have submitted an FTC report to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate confirmation once the removal is completed or any further steps I may need to take to resolve this issue.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I began a XXXX wire transfer on XX/XX/year> from my account with Truist bank to an account with XXXX  XXXX XXXX. I did a wire transfer in XXXX separate increments within the same day to the same account for a total of {$110000.00}. Unfortunately, after getting confirmation that the wire transfer was succesful, I realized, after the fact, that I had entered the wrong account number by mistake. I had wired the money to the wrong account within XXXX XXXX XXXXXXXX. Fortunately, my brother in law owns the account that had my money, however, there was an injunction on his account and the money was not being released. My brother in XXXX explained to his bank XXXX XXXX XXXX XXXXXXXX ) that this was not his money and to return the money in full back to the original sender. XXXX XXXX XXXX confirmed that they had received the money and would return the entire amount back to me, the sender. I immediately notified my bank, Truist, and they informed their XXXX team. My bank has not been able to retrieve my money from XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 's refusal to release my money, despite my brother in law verbally communitcationg that this was not his money and to return to sender. My brother in law ( owner of the account with XXXX XXXX XXXXXXXX ) went to his regional branch and submitted in writing the mistaken amount of money that was wired to him and that XXXX  XXXX XXXX must be returned in the full amount, like he instructed a week before. Truist has communicated to me that none of my funds has been returned and that XXXX  XXXX XXXX is not cooperating in communication with them regarding the status of the wire transfer retrevial. I am at a lost of what else to do, but this is my life savings and retirement money. I am distraught and am asking for help to retrieve all money that was mistakenly wired to the wrong account. I have logged all my wire transfer ID 's and info and will submit it under the attachment portion. 

Below are the information and ID 's of the Federal Wire Transfers Retrieved by XXXX XXXX XXXX 
XXXX Wire Transfer from Truist Bank XXXX XXXX XXXX XXXX : Reference number : XXXX. Went to XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX Wire Transfer Truist Bank XXXX XXXX XXXX XXXXXXXX XXXX Reference number : XXXX. This wire transferred to XXXX XXXX XXXXXXXX on XX/XX/year> XXXX Wire Transfer Truist Bank XXXX XXXX XXXX  XXXX XXXX Reference number : XXXX. This wire transferred to XXXX XXXX XXXXXXXX on XX/XX/year>. 

I also have attached my retirement account statements that shows source of the wire transfer of {$110000.00} to the wrong account in XXXX  XXXX XXXX that I need retrieved back to my Truist bank account. In addition, attached are federal identification numbers provided by my bank Truist bank to give the beneficiary account holder in XXXX XXXX XXXXXXXX to retrieve my funds for total amount of {$110000.00} from his bank which is XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX to shop for cars on XX/XX/2023. During this visit, we were unable to reach a deal so I left the dealership. Later I received a message that my expectations for down payment and monthly payment could be met on a used vehicle, but I said that I would talk it over with my husband, who had been present for the visit to the dealership as well. 

This morning, XX/XX/2023, I checked my credit score and it had dropped by XXXX points overnight. So I researched the cause and discovered that XXXX XXXX had made two hard inquiries from credit bureaus without my permission. If more detail is needed, please advise and I will supplement.
Product: Credit reporting or other personal consumer reports

As a creditor, you have previously acknowledged your inability to provide original documentation that substantiates my ownership of this debt relating to the account on my credit report in which you sold to Portfolio recovery. I have consistently maintained that I never opened an account with your company, and I have provided substantial evidence that my personal information was compromised in the XXXX data breach. This raises serious concerns regarding the accuracy of the information on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is imperative that all reported information is accurate, verifiable, and substantiated by the creditor. Given that you are unable to furnish the original documents confirming my association with this debt, I must assert that you are in violation of the FCRA. I kindly request the immediate removal of this account from my credit report within the next 7 days. Failure to comply with this request will leave me with no alternative but to pursue legal action to rectify this matter. I believe it is in our mutual interest to address this situation promptly and amicably to avoid any further legal action. The account is PORTFOLIO RC XXXX. See the XXXX data breach claim ID attached.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX & XXXX XXXX XXXX XXXX Equifax Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to bring to your attention a persisting issue I have been experiencing with a reservation refund, and I kindly request your assistance in resolving it. 

In XXXX of last year, I made reservations for XX/XX/year> through XXXX. Regrettably, I recently received notification from the hotel informing me of their liquidation, rendering my reservation void. Subsequently, XXXX initiated a refund process and reimbursed the amount to Affirm.com, the payment platform I utilized for the transaction. 

Despite numerous attempts to engage with Affirm.com over the past two months, I have encountered significant challenges in obtaining my refund. While I understand that an investigation may be necessary to reconcile the discrepancy, my concern arises from Affirm.com 's assertion that they have not received the refunded amount from XXXX. 

Enclosed with this email, I have included the receipt documenting the refund transaction from XXXX to Affirm.com, totaling {$400.00}, which accounts for several payments I had made towards the reservation. 

I am fully willing to cooperate and await the completion of the investigation ; however, the lack of progress and communication from Affirm.com has been disconcerting. Each time I reach out to them for an update, I am met with assurances that the matter is not within their purview, leaving me in a state of uncertainty. 

Given the urgency of this matter and its impact on my financial situation, I implore you to intervene and expedite the resolution process. Should you require any additional information or clarification, please do not hesitate to contact me. 

The company ceased charging me recently after I persistently emailed them to stop, threatening to report them if they continued. 

Thank you for your attention to this matter. I sincerely appreciate your assistance in rectifying this issue promptly
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my ChexSystems report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXX/XX/year>
Product: Checking or savings account

I have been out of town and when I got home and opened my mail, there was a Chase debit card in there saying my new Chase debit card is here. I dont bank with Chase. I dont have a checking account anywhere ending in those four numbers. I called Chase spoke to about 3 different people. Chase told me to contact you. Coincidentally this same thing is happening to a friend of mine. Same small town and we frequent the same places. Theres no date on the letter. It could have been sitting at my house for several weeks. Maybe even a month or more. I tried to activate it thinking it had something to do with the IRS as per the recording from Chases customer service. I couldnt activate it so I called Chase and here I am.
Product: Credit reporting

XXXX THIS WAS NEVER A CHRGE OFF, ACCT WAS PAID IN FULL AND I HAVE MY TITLE TO MY XXXX - NOT MY ACCOUNT. I AM NOT ON THE APPLICATION I WAS LISTED AS AN AUTHORIZED XXXX - NOT MY ACCOUNT. I AM NOT ON THE APPLICATION I WAS LISTED AS AN AUTHORIZED USER
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX, has violated my rights. I have 5 late payments, dates are exactly go by order XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX I want these late payments deleted they are inaccurate. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. If you wont delete the 5 late payments I want the trade line to be deleted.