23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal credit card ( ending XXXX ) with Elan Financial has a regular balance of {$40.00} ( see attached document from Elan 's myaccount access.com ). 

Elan Financial " criminally, willfully & fraudulently '' reported my balance of my personal credit card ( ending XXXX ) {$710.00}, to all credit reporting agencies in particular XXXX and XXXX. Thus, my XXXX score " dropped '' by at least XXXX points. This is NOT a isolated incident by Elan Financial- there are many willful and criminally motivated FCRA violations. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. For the past 12 months, I have sent multiple letters to the 3 credit bureaus ( XXXX, XXXX, Transunion ) with no luck. 

As of XX/XX/XXXX, My credit report shows inaccurate information. 

My SS, driver license information was illegally used to open multiple unauthorized accounts under my name. 

My bank ATM/Debit card was cloned/stolen and was used for unauthorized transactions on multiple occasions. 

For this reason, I was forced to change my cell phone number, close all my bank accounts, notify the IRS, all credit bureaus, and notify the respective authorities. 

I did not authorize any transactions on rafter this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

I am notifying you, according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or cloned/stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. 

I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : List of unauthorized transactions. 
I am attaching a copy of each of the following documents to this letter : 1. A  copy of my Identity Theft Report which includes : my FTC Identity Theft Report IRS Notice CP01 Police Case/Report I am requesting that you remove this information from my credit report. 

Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. 

As applicable please send me written confirmation that you removed this information from my credit report. 

Account Number : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Current Creditor : XXXX XXXX XXXX Balance : {$0.00} Account Number : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Merchant : XXXX Original Creditor : XXXX Current Creditor : XXXX XXXX XXXX, XXXX Balance : {$0.00} Account Number Ending In XXXX File XXXX Creditor : XXXX XXXX Current Creditor : XXXX XXXX XXXX, XXXX. 
Balance : {$0.00} Account Number : XXXX Original Creditor : XXXX XXXX XXXX Current Creditor : ( XXXX ) XXXX   XXXX XXXX A DIVISION OF XXXX, XXXX Balance : {$0.00} Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Status Transferred, closed. 
Status Updated XX/XX/XXXX Balance : {$0.00} Thank you for your help.
Product: Mortgage

Per the attached agreement I was to get XXXX on branch production plus XXXX XXXXXXXX on my personal production or I would of just given all the loans away and done no personal so I did personal loans and they said since I signed this I dont get paid on personal but yet they changed by bonus structure a week later to include personal - they owe me about XXXX dollars - didnt pay me at all on a XXXX XXXX loan
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries currently listed on my XXXX XXXX credit report is unauthorized, fraudulent, not my credit inquiries : American Express, Date of Inquiry : XX/XX/XXXX, XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX and XXXX Date of Inquiry : XX/XX/XXXX. I did not apply for any credit card or authorize American Express, XXXX XXXX XXXX or XXXX XXXX to pull my XXXX XXXX credit report on those inquiry dates.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of payment information on my credit report. Specifically, your company has reported 30-day late payments for XX/XX/year> and XX/XX/year>, which is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). This information is incorrect and must be removed immediately.

Furthermore, I have confirmed that XXXX XXXX 's business registration is inactive in the state of Texas, and the companys right to transact business has been forfeited. As such, XXXX XXXX lacks the legal authority to report any account or conduct business activities within the state. 

Additionally, I previously informed your company that my personal information was compromised in a data breach, and no efforts were made to properly verify the legitimacy of this account. I have attached business registration details and data breach documentation to support my dispute. 

Outside of these issues, the account must be removed for the inaccurate payment history alone, which I have also included for your reference. 

Please take immediate action to correct these errors and remove this account from my credit report. I expect written confirmation of the removal within 30 days, as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 15 U.S.C 1681 section 602 A states I have to right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an 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 or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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: Vehicle loan or lease

Bank of America won't loan me any money, even though I am a customer and have my SSDI check deposited directly into my Bank of America account, they won't loan me any money because I participate in The Social Security Disability Program. This also violates my rights under ADA. I need a vehicle and have the funds in a payment strategy but they still discriminate against me. This puts a heavy strain on my legs. When I go for a car they put extra demands on me that they don't do to others. The vehicle has to be brand new and a certain model. Bank of America is being discriminatory and harmful towards a handicapped man and won't even loan money to a customer that deposits money in their Bank which they make money on in interest but because they say I'm poor they won't loan money to me! This is unfair and not right. 

- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New Mexico XXXX
Product: Credit card

I have had a XXXX credit card with American Express since 1984. The caveat with this card is when you charge a certain amount on the card, American Express will send you gift cards which correspond to the amount you charged. Recently a small batch of XXXX cards were sent and none of them were valid. When I approached American Express on the first card they granted me a {$XXXX} credit to my account ( that is what the card was worth ). Subsequently, XXXX more cards at {$XXXX} each also are invalid. When I approached them again, I was told because I did not save the paperwork that came with the cards there was nothing they could do. Why would I save the paperwork, was I to suspect they sent me cards that would be invalid? Here are the numbers of the invalid gift cards- XXXX and XXXX
Product: Vehicle loan or lease

They first reported XXXX different balances on my credit report and my online account. I disputed this with XXXX, and it was removed ( page XXXX of attached file ), but its still showing with the other XXXX with differing balances. The car was totaled and paid via insurance and what was suppose to be gap insurance through the lender. The debt does not belong to me!
Product: Credit card or prepaid card

Gentlemen : XXXX XXXX fraudulently charged our credit card and withdrew funds from our bank account for services not rendered. We never provided any information to them regarding both accounts not did we ever authorized any such charges or withdrawal from our bank account. 

We reported the incident to Capital One the credit card company. They immediately issued a new credit card, credited the account and promised an inquiry. 

To our utter amazement, shock and dismay we received a letter in early XXXX from XXXX, Fraud Investigator at Capital One that she did not find any indication of fraud. 
Except for an address in XXXX XXXX XXXX the letter does not have any email address or a telephone number where she could be reached. We called Capital One went around the Merry Go Around with them. No one was able or willing to help. We called again the following week on XX/XX/2019 and asked to speak someone from the fraud division. We spoke with XXXX and he put us on hold for a prolonged time. Finally XXXX, apparently his supervisor came on the line. After relating our concerns to him he finally conceded that they had received a response from XXXX XXXX but the response had another customers name on it. We requested that if we could get a copy of such response it was refused. We asked if we could get the response with the customers name redacted our request was declined again. We requested XXXX 's and his ( XXXX ) telephone number and email address. Again our request was declined. 
Finally XXXX conceded that XXXX 's report was incorrect and he would send the case back for further investigation. 

We received another bomb shell, another shocker in the mail yesterday. This was sent simply by the Customer Fraud Protection stating " We're happy to tell you that your fraud investigation with Capital One is now resolved '' Lots of questions come to mind. 

Based on what evidence did XXXX conclude that she did not find any investigation of fraud. Why are being denied in getting in touch with her. 
When XXXX concurred with us that XXXX 's investigation was incorrect and he would sent the case back for further investigation why have we received this letter yesterday. 
Is this mere negligence on Capital One 's part of collusion between them and XXXX XXXX. 

We have approached XXXX XXXX several time regarding these issues. 
They have refused to respond to our inquiry regard the charges to the credit card and lied about the illegal fraudulent charge to our bank account.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding TransUnion 's fraudulent reporting practices that have caused significant harm to me. On XXXX XXXX XXXX, I received a letter from TransUnion confirming the removal of six fraudulent accounts from my consumer report. However, on XXXX XXXX XXXX, XXXX XXXX was re-added to my report without my knowledge or consent. Similarly, on XXXX XXXX XXXX XXXX XXXX XXXX appeared on my report, again without notice or written authorization from me.

On XXXX XXXX XXXX, I made several attempts to contact TransUnion regarding these unauthorized changes. Despite multiple calls, I only received one callback. During this callback, I spoke to a representative named XXXX XXXX ( ID # XXXX ) at XXXX XXXX. XXXX reviewed my consumer report and noted that these accounts were not reflected in his system at that time. After updating his system, he acknowledged that these accounts should not have been added without my explicit written consent and assured me that they would be removed immediately. He then transferred me to another representative named XXXX at XXXX XXXX 

XXXX refused to provide her employee ID number and falsely claimed that she was unable to do so. She also refused to provide any documentation or explanation as to why these accounts were re-added to my consumer report without my permission. Furthermore, she stated that I have no control over what is reported on my consumer file, claiming that creditors own and control what is reported, and that consumer protection laws are designed to be used against me rather than to protect my rights. This interaction was highly distressing and has further compounded the emotional, mental, and physical harm I have suffered as a result of TransUnions actions over the past 10 months. 

I have previously notified TransUnion of four data breaches in which my personal information was compromised. I have submitted reports to the Federal Trade Commission ( FTC ), filed identity theft reports, provided police reports, affidavits of truth, and a power of attorney that overrides any and all permissions. Despite these measures, TransUnion continues to act in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), the Uniform Commercial Code ( UCC ), and the Code of Federal Regulations ( CFR ).

TransUnions repeated failures to address these issues, and their unauthorized and fraudulent actions, have caused me severe distress. Their practices are in clear violation of federal consumer protection laws, including the FCRA, which governs the proper handling and accuracy of consumer reports. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and hold TransUnion accountable for its continued violation of my rights.
Product: Checking or savings account

Dear Consumer Finance Debt 1. My complaint is with Citibank consumer loan department regarding my XXXX Loan Forgiveness application not being available online to fill out and submit to Citibank for loan forgiveness as promised in a timely manner. 
2. I have logged on to my business acct numerous times, submitted over 40 emails to the XXXX  Forgiveness Portal supplied by Citibank but to no avail. Only robotic responses and no personal help at all to submit my online Forgiveness application form called XXXX. 
3. I have been unable to successfully submit my loan forgiveness application to Citibank for almost 3 months now and noticed that many others are complaining about this issue. I have offered to print out my application and deliver it by hand to a bank location to forward on my behalf. Citibank has not responded. 

My SBA PPP Loan Number XXXX My Lender XXXX Loan # XXXX Amount {$10000.00} Date of disbursement XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX : {$430.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; If XXXX and TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If XXXX and TransUnion do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly
Product: Payday loan, title loan, or personal loan

I took out a loan with XXXX Loans on XX/XX/18 for {$500.00}. I have since paid a total of {$560.00} ( {$81.00} every week ). After paying more than the amount of the loan I was informed that the payoff amount is {$500.00}, more than the cost if the loan I originally took out!
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent admistrative proceeding the account is accurate, without providing any evidence of trough investigation, This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with th necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : Theres inaccurate and incomplete information listed on my credit report. I have made multiple attempts to get this information resolved! Ive been ignored with no response! Im requesting that the following information thats appearing on my credit report be removed at this point. 

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a dispute letter to Congress collection disputing a debt that they had reported to Experian in the letter I asked Congress collection to validate that this alleged that belongs to me and also ask for copies of all the documents that they used to validate this debt it was been more than 45 days but I have still not received all the information that I requested from Congress collection the fact that Congress collection has not responded to my dispute request isn't admission by silence this lack of response to my dispute letter and validation request is a gross violence of 15 U.S.Code 1692g which stipulates that debt collectors like Congress collection should provide consumers with all the documentation that they ask for it is also important to note that the reporting of this debt is a blatant violation of FDCPA 1692g as it was reported by Congress collection to experience even though I did not receive any written notice of it from Congress collection the reporting of this inaccurate and unverifiable debt in my credit reports is also a disregard of FCRA section 623 ( a ) ( 1 ) ( A ) which requires that only accurate information is sent to the credit rules by companies like Congress collection I have a attach the dispute letter that I sent to Congress collection and that contains the unverifiable debt that needs to be deleted by the credit bureaus.
Product: Checking or savings account

This is a business account owned by my XXXX XXXX XXXX father who is suffering from XXXX and other terminal illnesses. He is was not able to keep track of his bank account transactions. I am now handling his finances and authorized to do so ( on file with the bank ). I noticed the fraudulent charges and contacted Chase bank fraud department within minutes of reviewing his account. 

There are 12 fraudulent charges totalling {$24000.00}, all from the same " vendor ''. 10 of the 12 charges have been reversed. A charge of {$5000.00} on XX/XX/2022 was not reversed. A charge of {$5000.00} on XX/XX/2022 was not reversed. Chase bank is stating the error was not reported in a timely manner. 

Chase bank failed to protect my elderly father 's account resulting in a {$10000.00} cost to him. The Chase bank internal policy is the only reason they refuse to refund his funds. Two separate claims were denied to reverse these charges. Please assist me in recovering his money.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had 1 to 2 late payments on accounts that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for these accounts, so I have included screenshots inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I am demanding these payments be updated to paid as agreed on time, as well as updated in the monthly account history, because I was never late.

Thank you! Please see the screenshots attached.
Product: Credit reporting or other personal consumer reports

Fraudulent Accounts on my credit report. 

XXXX  XXXX
Product: Mortgage

I filed bankruptcy and it has been discharged, and am continuing paying my mortgage on time -- it is current. But SETERUS does not send me statements and nor can I download them. When I make payments to them, I have no idea about my new balance, etc. Providing a customer with a statement does not constitute a request for payment. My second mortgage lender, XXXX, provides me statements without payment request, so I know it is possible. I do not understand why SETERUS does not, but at this point I feel it is unlawful to not inform existing mortgage holders of balances, etc after payment is received. They will not talk to me over the phone and insists they can only speak with my lawyer. Again, my bankruptcy has been discharged.
Product: Credit card or prepaid card

I bought online two pairs of shoes on XX/XX/2022 Shoes were returned in few days, and XXXX XXXX received a refund. 
But they charged again XX/XX/2022 There were two pairs of shoes and two amounts : {$37.00} and {$32.00} {$37.00} was refunded XXXX XXXX {$32.00} - never refunded. 

Please help me to get refund of {$32.00}