23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

When the SEC seeks civil penalties against a defendant for securities fraud, the XXXX XXXX entitles the defendant to a jury trial. 

SEC XXXX XXXX, XXXX XXXX ___ ( XXXX ) XXXX XXXX v. Ally Financial XXXX in the XXXX XXXX Court of Appeals is not on record and does not come up on Public Record. XXXX XXXX XXXX  of Appeals won't post Ally Financial on record. Ally Financial was never served XXXX by XXXX XXXX XXXX Michigan XXXX XXXX XXXX XXXX XXXX won't file Writ of Quo XXXX or Writ of Mandamus 18 U.S. Code 1517 - Obstructing examination of financial institution Whoever corruptly obstructs or attempts to obstruct any examination of a financial institution by an agency of the United States with jurisdiction to conduct an examination of such financial institution shall be fined under this title, imprisoned not more than 5 years, or both.

( Added Pub. L. 101647, title XXV, 2503 ( a ), Nov. 29, 1990, 104 Stat. 4861. ) 18 U.S. Code 2071 - Concealment, removal, or mutilation generally ( a ) Whoever willfully and unlawfully conceals, removes, mutilates, obliterates, or destroys, or attempts to do so, or, with intent to do so takes and carries away any record, proceeding, map, book, paper, document, or other thing, filed or deposited with any clerk or officer of any court of the United States, or in any public office, or with any judicial or public officer of the United States, shall be fined under this title or imprisoned not more than XXXX years, or both. 
( b ) Whoever, having the custody of any such record, proceeding, map, book, document, paper, or other thing, willfully and unlawfully conceals, removes, mutilates, obliterates, falsifies, or destroys the same, shall be fined under this title or imprisoned not more than XXXX years, or both ; and shall forfeit his office and be disqualified from holding any office under the United States. As used in this subsection, the term office does not include the office held by any person as a XXXX  XXXX of the XXXX XXXX of the United States. 
( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, XXXX. A, title XXXX, XXXX ( a ), XXXX XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, title XXXIII, XXXX ( XXXX ) ( I ), XXXX XXXX, XXXX, XXXX Stat. XXXX. )
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX, and XXXX of XXXX I received hard inquiries from XXXX XXXX XXXX XXXX on my Trans Union credit report.

I also have a few inquiries on my XXXX credit report from XXXX companies that's unauthorized. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. 

The last company that I received a hard inquiry from is XXXX XXXX on XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had an XXXX reservation. I canceled it. 7 days later, XXXX initiated a payment of {$1800.00} against my XXXX account via PayPal. The reservation had been canceled for 7 days. This is a scam and fraud. No merchant should be allowed to process a payment after the transaction has been canceled. There was no cancellation fee or anything like that. This is complete overreach by XXXX and a disregard for the financial rights of the customers. Cancellation means the transaction does not move forward. Still, the moved forward, 7 days later. This is why we needs laws protecting customers. Large firms, like XXXX, have digital process that steal from customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Debt collection

This Company is reporting a debt for {$450.00} on my credit report. 
On XX/XX/2019 i sent USPS certified Debt Validation Letter ( see the letter attached ). 
Shortly after On XX/XX/XXXX they responded to my Debt Validation Letter with nothing that qualifies as Debt Validation Under FCRA and FDCPA. 
on XX/XX/2019 i have sent my second usps certified letter requesting them to remove this debt from my credit report as they failed to validate this. 
As of this date this is still being reported with credit bureaus in violation of FCRA and FDCPA. 

Please see all mentioned letters/paperwork including usps receipts regarding this matter attached
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I been a victim of identity theft and my personal information has been comprised. There's inaccurate information such as address on my credit report that are not mind and 2 accounts that are not mine. Those accounts are fraudulent and I'm asking for this to be removed immediately as it's not valid. I tried numerous of times to find a solution with the credit bureau directly but no resolution. I been transfer numerous of times with no help. I have submitted all the proper documents to the bureaus via certified mail and via email. I need this issue to be resolved and accounts removed immediately. This has cause emotionally and financially stress to my life and affecting my ability to move forward.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Derogatory Accounts Reporting Due to Identity Theft Dear Consumer Financial Protection Bureau, I am writing to formally dispute the derogatory accounts reporting on my credit reports by XXXX, TransUnion, and XXXX, which I believe are a result of identity theft. The accounts in question have negatively impacted my credit standing and financial well-being. The following are details of the disputed accounts : XXXX. XXXX XXXX XXXX XXXX ( TransUnion ) XXXX - Account Status : Closed with a derogatory status - Balance : {$960.00} XXXX. XXXX XXXX XXXX  ( TransUnion ) : - Account Status : Closed with a derogatory status - Balance : {$890.00} XXXX. XXXXXXXX XXXX XXXXXXXX : - Account Status : Closed with a derogatory status - Balance : {$160.00} XXXX. XXXXXXXX XXXX XXXXXXXX : - Account Status : Closed with a derogatory status - Balance : {$270.00} XXXX. XXXX XXXX : - Account Status : Closed with a derogatory status - Balance : {$410.00} I have reason to believe that these accounts were opened fraudulently using my identity without my consent or authorization. The derogatory statuses and outstanding balances associated with these accounts are not a result of my actions or financial responsibilities. 

I am requesting the Consumer Financial Protection Bureau to investigate these accounts and work with XXXX, TransUnion, and XXXX to rectify the reporting errors caused by identity theft. I urge for the removal of these fraudulent accounts from my credit reports and the correction of any associated negative impacts on my credit standing. 

I have taken the necessary steps to report the identity theft to the relevant authorities and have also filed reports with the Federal Trade Commission ( FTC ) and local law enforcement agencies. I am committed to cooperating fully with any investigations or inquiries to address this matter and restore the integrity of my credit reports. 

I appreciate your prompt attention to this dispute and your assistance in resolving these fraudulent accounts reporting due to identity theft tactics. Please keep me informed of any actions taken and the outcomes of the investigation with XXXX, TransUnion, and XXXX. 

Thank you for your support in protecting consumer rights and addressing issues of identity theft in the credit reporting system. 

Sincerely, XXXX XXXX
Product: Debt collection

Accounts were created under my name and information fraudulently without my authorization or knowledge. The fraudulent claim account information
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : Upon obtaining my credit reports I noticed several inaccuracies being reported across the three credit bureaus.

Transunion : current status is listed as Charged Off as bad debt 1 late payment reported forXX/XX/XXXX XXXX : current status is listed as Settlement Accepted/Charge Off Account 2 late payments reported for XX/XX/XXXX & XX/XX/XXXX XXXX : current status is listed as Transferred to another lender 6 late payments reported for May, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Due to these inaccuracies I request that this account be deleted from my credit report, following my rights under FCRA Section 623. 

I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed.
Product: Debt collection

Dear CarMax Customer Relations, I trust this letter finds you well. I am writing to bring forth serious concerns regarding the handling of my personal information by CarMax, which appears to conflict with South Carolina Consumer Protection Code ( Title 37, Chapter 5, Article 1 ) and the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.

I assertively request written documentation of any alleged consent I may have provided for CarMax to access and share my personal information, in strict accordance with South Carolina law ( 37-5-108 ). This documentation is crucial for addressing concerns about the legitimacy of such access.

Furthermore, the absence of a detailed payment history for the debt in question raises significant concerns related to FCRA 1681s-2 ( a ). I am confident that CarMax can promptly provide the necessary documentation to validate the existence and ownership of this debt.

In addition, I assert my right to dispute and request the immediate removal of this unverified entry from my consumer report, as stipulated by FCRA 1681i. I believe this is a reasonable and necessary step given the current circumstances. 

I am confident that CarMax understands the importance of compliance with relevant laws and will take swift and effective steps to rectify these concerns. I anticipate a timely response within 30 days, which is crucial for addressing and resolving these matters. 

Thank you for your immediate attention to this pressing issue.
Product: Credit card or prepaid card

Dear Sir/Madam, I am writing this letter to register a complaint against Chase on behalf of myself for the fraudulent charges that were made on my Chase account by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I have been a victim of identity theft at the hands of Mr. XXXX, and I am currently attempting to correct this issue. 

I was in the hospital in Maine when Mr. XXXX used my Chase account to make the fraudulent charges. Enclosed with this letter are copies of my My Chart records, which clearly show my medical treatment and hospital stays in Maine during the time period my Chase account was used without my knowledge or permission. I also have attached a copy of the XX/XX/XXXX XXXX XXXX Police Department XXXX Report, which states that the charges made on my account were indeed fraudulently made. 

I request that Chase immediately remove the charges that were made on XX/XX/XXXX for {$3400.00} and on XX/XX/XXXX for {$7500.00}. Furthermore, I ask that Chase correct any information that was provided to credit reporting agencies based on these charges. I hope that this matter will be resolved quickly and that I will not have to take any legal action. 

Should you have any questions or require any further information, please do not hesitate to contact me at the address mentioned above. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

The vehicle was having issues and in the shop for months and was unable to get fixed. We were under the impression that the car was being repurchased per the conversation with bmw and the dealer ( XXXX XXXX bmw ). The car was never told to us that the car was ready to be picked up and eventually we purchased another car. After already purchasing another car a few months later we received a call that we were in default on the car. We reached out to bmw multiple times in complete shock about this just to be told theres nothing we can do anymore. This was gross negligence and a huge impact to our credit and we have been reaching out for years to get this addressed. We hadnt missed a payment or were late ONCE the entire time we had the car. No reason for us to all of a sudden need to have a charge off charged too us
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act : Section : 15 U.S.C 1681 Section 602A States I have the right to Privacy 15 U.S.C 1681 Section 604A Section 2 Also states a Consumer Reporting Agengy can not furnish an account without instructions. 

These accounts have Violated my rights. based on the fair credit act sections. 

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 Also I have uploaded documentation of the XXXX XXXX  bankruptcy stated by XXXX that is was verified by XXXX XXXX. This Information was disputed by XXXX XXXX which they removed this from the account it was unverified. 

Bankruptcy XXXX XXXX XXXX
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 USC 1681. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

I have had this on my debt collection it shows for awhile but I have never received bills or been called about it which leads me to believe that its a false debt that I actually don't owe. I would like this to be removed as I feel I was wrongly charged with this debt.
Product: Vehicle loan or lease

I am not familiar with this account. I have contacted Regional Acceptance concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX. Regional Acceptance has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and fraudulent information that appears on my Equifax credit report in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o. Additionally, I reference the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against credit reporting agencies for failing to properly investigate consumer disputes. I demand an immediate investigation and deletion of all erroneous information outlined below. Furthermore, I am requesting the method of verification for each disputed item, as required by the FCRA. 
Also known as XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX, GA XXXX Employers 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 XXXXXX/XX/XXXX I have never authorized or opened the accounts listed above, nor did I approve the inquiries. U

nder 15 U.S.C. 1681o, I have the right to seek damages for negligent noncompliance with the FCRA. I demand that Equifax conduct a thorough investigation, remove these fraudulent accounts and inquiries from my credit file, and provide me with an updated credit report reflecting these corrections. Additionally, I request the method of verification used to validate the disputed items, as required by the FCRA. Failure to comply with this request will result in further legal action, i
ncluding filing complaints with the Federal Trade Commission ( FTC ) and the CFPB, and pursuing my rights under the FCRA, including seeking damages as provided under 15 U.S.C. 1681o. 
Please respond to this dispute in writing within 30 days of receipt, as required by law. I appreciate your prompt attention to this matter and look forward to your resolution.
Product: Credit card

A new credit card was mailed to me on XX/XX/2024. I never received this credit card. 

On XX/XX/2024, XXXX purchases were made with this credit card ( the one I have not received, which I suspect was intercepted during the mailing process, or taken from my mail box ). Both posted on XX/XX/XXXX ( please see attached ). 

XXXX purchase is for {$450.00} at XXXX XXXX XXXX and Liquor and the other is for XXXXXXXX XXXX and Liquor for {$450.00}. Separate purchases but both ON THE SAME DAY. ( I also want to mention that if you go back into my account history, you will see that I have never bought alcohol ). 

I called Bank of America on XX/XX/2024 to file a claim. The reason I found out about these fraudulent charges was because I received a text message from Bank of America asking me if a charge to another merchant, XXXX XXXX, was being made by me. I replied " no '' and then checked my BofA credit card account to see someone had made the purchases for alcohol. I made a fraud claim with a customer service rep. They also sent me a new credit card, which I actually received this time. Both charges were credited to my account while they investigated. 

I did not receive any correspondence about my fraud claim until XX/XX/XXXX, when I got a message from BofA stating : " We confirmed your card was used for the charge ( XXXX ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' With these allegations, I have questions : XXXX. Did the merchant require ID from whoever was purchasing this alcohol? If so, you will see it was not me. 

XXXX. How was a PIN entered if, when designating a pin for your credit card, you need to verify information over the phone? Whoever had my card would not know my birthdate, XXXX etc. to verify it was me establishing a pin number. 

XXXX. If the merchant only required a signature for the purchase, I want to see that signature- I have XXXX years of checks in my XXXX debit account that can verify my signature. Because I never received this credit card, and IF a signature was used for these purchases, you will find that they DO NOT match my signature. 

Today, XX/XX/2024, I called Bank of America to ask why the claim was refused and if they could send me the documents detailing what led them to believe I or someone who has authorized access to my card, made these purchases. The BofA representative said she would look to see what documents were available and after being placed on hold, she returned and said, " There are no documents from the merchant here. '' She then said she would re-open my case and I would receive a notice from BofA detailing their decision with documents. But the rep told me THERE ARE NO DOCUMENTS from the investigation. And the fraudulent charges have now been placed back on my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Experian. 

I had a Name change done when I got XXXX citizenship in 2022. I am unable to dispute the name on my credit report with Experian through the online portal. We are expected to call or use mail. I'm pretty certain that they will require me to mail them PII like scans of my passport and a scan of my new SSN card. If this is true, it needs to change.

I did not send them anything when they opened a file on me. They got the info from the banks. Updates to this info including first and last name should happen automatically as long as the banks have my updated name ( banks have my updated info ). 

If this is not feasible, there should be an online way for me to send them sensitive documents ( via upload within the dispute process or a secure message ). 

XXXX does have an online dispute process that allowed me to upload the required documents within that workflow. 

I DO NOT want to send sensitive information over mail.
Product: Credit reporting or other personal consumer reports

I was a victim of identity yet this company has repeatedly failed to violate XXXX XXXX. XXXX et seq and continue to defame my credit report. They refuse to accept that this account was the result of the identity theft. This has prevented me from purchasing a home, this account was fraud yet the company keeps making excuses and deletes and re adds to my credit report. This has been reported as fraud for over two years yet they still refuse to delete this. Please have them stop violating my rights under XXXX XXXX. XXXX XXXX XXXX  This is a federal offense and will be handled in federal civil court for the hundreds of thousands in loan opportunities I missed resulting from this. The creditor continues to mention a fraudulent car rental that was obtained with this fraudulent credit card. They will not remove from my credit even after multiple supervisors stated it was cancelled and deleted as identity theft. They have refused to manually remove this as identity theft from all credit bureaus. Attached is the FTC identity theft report along with a copy of my drivers license
Product: Checking or savings account

My debit card was charged multiple times in a 20 second span. I closed card and reported the fraud immediately. Wells Fargo did not follow up and denied my claim.
Product: Checking or savings account

i have been getting my finances check direct deposited into my account for a few months now with no problems, a total of 7 direct deposits before it was a problem. Last month XX/XX/XXXX they froze my account basically stating im committing fraud and we had to come in together and verify identity so we did on XX/XX/XXXX, they told us they cant close the account and give us the money that they need to do extensive review until XX/XX/XXXX and when they found the funds were owed to us they would put it back in the account. The checked bounced once and came back to me, it is still currently just sitting a checking acct of {$1800.00} and a savings of {$1000.00}. my 3rd acct with no money has been the only one closed, i called today XX/XX/XXXX they said as of yesterday XX/XX/XXXX they extended the review to XX/XX/XXXX. i have a 10 month old and bills to pay i need my money we have verified that it is ours, the funds should have been released