23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

In 2010, a rental car company in XXXX charged my credit card for a deposit against damages at XXXX rate of exchange and then debited my credit card at a different rate pocketing the difference. I attempted to resolve this with the merchant but to no avail ; when I disputed this with the credit card I was stonewalled, my written letters were ignored, and after repeated attempts to discuss with them, them ( XXXX XXXX ), I closed the account having paid all that was owed except for the disputed amount. I now find that despite my otherwise excellent credit rating, my FICO score is being dragged down and inexplicably affecting my insurance premiums. 
At the insistence of the credit card company, all dispute processing was done on line, therefore little supporting evidence is available. However, I am attaching the final letter that I wrote them concerning the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

For about XXXX  year I have been constantly trying to remove an account showing in collections that had reported on my credit report across the three bureaus numerous times. I explained this account with XXXX for a car loan was opened in my name without my permission and that I do not have nor never had the car before. I called the company XXXX XXXX XXXX to notify them of the location of the vehicle which is in another state at a police impound lot. But they still fail to resolve it and get the vehicle back in their possession and taken out of my name. I gave all this info to the credit bureaus and they fail to resolve it.
Product: Credit reporting or other personal consumer reports

Bankruptcy information listed is inaccurate. Inaccurate court name and case number. 

See attached documents
Product: Credit reporting or other personal consumer reports

I have no knowledge of the account XXXX, XXXX XXXX XXXX Acct # XXXX. THIS ALSO LOOKS LIKE A MEDICAL ACCOUNT OF SOME SORT, AND ACCORDING TO 43 US CODE 1320d-9 note, this is a direct violation. No medical history shall be reported, furthermore this is a XXXX XXXX! 

I would like this account deleted from my report as soon as possible.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my dispute letters Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 knowns or has reasonable cause to believe that the information is inaccurate. The following personal information is inaccurate, please remove XXXX XXXX XXXX XXXX XXXX, tx XXXX incorrect employer : XXXX XXXX,
Product: Checking or savings account

Complaint Summary - I, XXXX XXXX, wish to file a formal complaint against Honda Finance for their role in the unauthorized ACH debits totaling {$16000.00} from my XXXX XXXX  account. These transactions were processed without my authorization, and there was a clear mismatch in the account names, which should have been a red flag for any finance-processing entity. 

Details of the Incident Total Fraud Amount Against Honda Finance : {$16000.00} Nature of Unauthorized Transactions : Payments to Honda Finance from my XXXX  account without my consent. 
Date Range of Unauthorized Transactions : From XX/XX/XXXX to XX/XX/XXXX Discovery : The fraudulent activities were discovered during a routine financial review and were immediately reported to my bank and the involved financial institutions. 

Questions to Address : 1. How did Honda Finance process payments from an account where the account holders name did not match their records? 
2. What measures does Honda Finance have in place to prevent unauthorized debits and ensure the legitimacy of transaction requests? 

Expected Resolution : 1. I request a full reimbursement of the total debited amount. We have got reimbursement of {$3300.00} till date 2. A review and overhaul of Honda Finances transaction monitoring and authorization protocols Supporting Evidence : Transaction statements showing the unauthorized debits. 
Correspondence with XXXX indicating the reporting of these transactions as unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting XXXX charge-off accounts that's been charged off since 2016 with inaccurate dates as well as missed payments days as well. Also, XXXX have violated 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

PROHIBITION : a law or regulation forbidding something As stated by the IRS, Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting the XXXX accounts XXXX is reporting as charge-off accounts being inaccurate! 

By Definition, The IRS Clearly says a Cancelled or Charge off is Income. The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says XXXX, XXXXre a furnisher of information to a consumer reporting agency. Per this regulation I stated, XXXX by law is prohibited to furnish inaccurate information. XXXX is not doing nothing about it and it is effecting me and my family. 

I have attached my XXXX report and highlighted the XXXX charge-off accounts that are in question to show them being inaccurate as well as payment history for the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Experian, Why are you refusing to fix errors on my credit report, that I have provided you proof are wrong, with a letter from the credit card company stating the same thing? 

You are allowing errors on my credit report - that I demand are fixed per law. 

I AGAIN filed this complaint number XXXX located here : https : //portal.consumerfinance.gov/consumer/s/complaint-detail # XXXX XXXX ) I provided a letter from XXXX Card ( attached AGAIN ) that told you to change the hard inquiry to a soft inquiry on date : XX/XX/XXXX. THE CREDIT CARD COMPANY TOLD YOU TO CHANGE THIS FROM A HARD PULL TO A SOFT PULL. By law you are not allowed to do as you want - you need to change this from a hard credit inquiry to a soft credit inquiry immediately. They also sent you the same letter dated XX/XX/XXXX and as I type this XX/XX/XXXX you still refuse. 

This is copy and pasted from the attached letter from teh credit card XXXX : " An application was submitted on XX/XX/XXXX, using information verified to you. You notified us on XX/XX/XXXX, that this application was not submitted by you, and we have marked the application as XXXX. '' We also asked the credit reporting agencies to mask the credit inquiry from your credit report, which means it will only be seen by you and the reporting agency and not by any other organization reviewing your report. We sent the enclosed confirmation letter dated XX/XX/XXXX. '' XXXX ) I provided you PROOF that my XXXX  XXXX credit card ( attached again ) was opened on XX/XX/XXXX and has been paid on time each month. Every single month needs a check mark indicating as paid on time. XX/XX/XXXX through XX/XX/XXXX NEED TO HAVE A CHECK MARK AS PAID ON TIME. 

Experian, you are required to change the hard credit inquiry to a soft credit inquiry as stated in ( # 1 ) above as well as have a check mark on every single month ( # 2 ) has been opened and paid on time. 

Attached to this complaint are : - Drivers license - Social security card - Mailing address - Complaint letter- XXXX letter
Product: Credit reporting or other personal consumer reports

Dear XXXX, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting XXXX that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next XXXX  days. I know that you have up to XXXX days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 





Please delete the follow inaccurate names : XXXX XXXX Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX * XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX By reporting these XXXX you are in violation of 15 USC 1681b ( a ) ( 2 ) : for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. 




XXXX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 





Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under XXXX XXXX XXXX sec. XXXX. 



Regards. 

XXXX : XXXX ( Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Bank account or service

In XXXX XXXX, I discovered a {$750.00} deduction in my Citibank Checking account. When I looked it up online, it was a payment to someone 's Citibank credit card using my checking account number. The person 's name was clearly listed on the transaction. I first spoke to a Citibank rep on the phone who had this fraud issue credited to my account. A much smaller deduction occurred by the same user ( less than {$75.00} ) the next month. I went to a Citibank branch and spoke to a rep. They had me close my account and reopen another account. The rep told me that they could clearly see that someone had accidentally used my acct number to pay their Citibank credit card because their acct number was very close to mine. They credited me the second transaction and everything was fine. A month or two later, Citibank deducted {$750.00} from my acct again with no notification. When I went to the branch to ask what happened, they claimed I did not submit a notarized affadavit that i was no complicit in this fraud. I worked with the Citibank rep in the branch who called their anti fraud unit and said that I needed to mail an affadavit to them. I mailed the affadavit and received an email confirmation online from Citibank that they had received it but i should wait 90 days for an answer. After 90 days, I asked Citibank what had happened with my investigation and they then claimed that they never received it even though i have email confirmation that they did. I went to the Citibank branch again on 2 occasions in XXXX and sat with their reps who called their anti fraud unit again. They said they had closed the old investigation and had to reopen a new one. The Citibank rep kept saying during my 2 visits that they would call me back the next day about how the investigation went but they never called. I sent XXXX emails, one in XXXX XXXX and one in XXXX XXXX, to the XXXX Citibank reps asking for a status of the investigation and they have ignored my email response. It is clear that Citibank either has no intention of refunding me money that was accidentally taken out of my acct simply because someone online had paid their credit card bill with the wrong acct number, which was my number, or they have terrible inefficiencies between their branch units and anti fraud units. This seemed evident as I sat in the Citibank branch on 3 different occasions listening them talk to their fraud unit on the phone and plead my case but they always insisted that I had to send an affadavit form in the mail, even though i was physically in their office with all forms of identification to confirm who I was and that I did not commit any fraud. The branch reps even admit that it should be an easy case to solve as they could clearly see someone entered the wrong acct number. I even spoke to their anti fraud rep on the phone and did a verbal affadavit that was recorded on the phone and that seems to not be enough either. I would appreciate CFPB 's help to stop Citibank from ignoring my issue and credit me the money that they had first refunded me and then took back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on XX/XX/XXXX because I have been violated of my rights by an incorrect account reporting on my credit file. Transunion said that the account that is reporting inaccurately was verified from the courthouse. I called the courthouse and they said they do not have any records on file and that they do NOT share anyones personal information to the credit reporting agencies nor do they intervene with the dispute investigation. They also sent me out a letter as verifiable proof. I called back to Transunion on XX/XX/22 to tell them that they are not doing a proper investigation of this account and they said that they are certainly verifying this from the XXXX XXXX XXXX I was transferred over to the supervisor who then confirmed that it was verified through XXXX. I told them that XXXX does not have it on their credit file and I showed verifiable proof from the dispute that I sent out in XXXX that was not properly investigated. The supervisor then said that the letter I sent in from XXXX was not something they can except because it came from a third party and that XXXX has to send an electronic file in order for them to accept it. I called XXXX and they said that they were sending out a dispute to Transunion with my new credit file. They also said that Transunion did not contact them about a dispute or an any account on my credit file. I am so upset with the progress I have received disputing this inaccurate account on my report. Transunion will not give me the right answer as to who they are verifying their information from. They are violating my consumer rights and laws by not telling the truth/false information or showing me physical proof of the verification. This is unfair practice and has become detrimental to my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. My identity was used to open LIST THE ACCOUNTS HERE. I have no knowledge of these accounts and did not authorize these accounts. This has extremely affected my XXXX XXXX  and my ability to get approved.
Product: Checking or savings account

XXXX XXXX and chime somebody use my sss and id. Cd accounts and all
Product: Credit reporting or other personal consumer reports

Experian is refusing to investigate my claim, claiming that I did not initiate it. However, I am the one who initiated the claim. This is the second time they have responded in writing, via certified mail, and declined to investigate my case.
Product: Credit card or prepaid card

In XX/XX/XXXX, I called and asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card to stop allowing XXXX XXXX to bill the credit card. I disputed the charge, the representative initiated a charge dispute against XXXX XXXX. 
The representative agreed to stop payments to XXXX XXXX. 

In XX/XX/XXXX I called and asked the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card to stop allowing XXXX XXXX to bill the credit card. 
The representative agreed to stop payments to XXXX XXXX   and initiated a second dispute. 

In XX/XX/XXXX I noticed that the CC company was still paying XXXX XXXX. 
I called the CC company and told them to close the account because I have asked multiple times to have them stop paying XXXXXXXX XXXX but they kept letting charges go through ( this was the third time ) A third dispute was initiated. 

I had earned XXXX dollars cash back and ask them for the cash that is owed to me. The last time I asked was today, XX/XX/XXXX I want the cash back that I earned which totals {$500.00} In summary, I was forced to close the account because they kept paying for XXXX XXXX after multiple requests to stop paying XXXXXXXX XXXX. Because I closed the account they don't want to pay the cash rewards but I was forced to close because of mistakes made by XXXX XXXX XXXX XXXX XXXX XXXX Credit Card. The account was closed in a panic because they kept letting payments go through despite agreeing to stop those payments.
Product: Credit reporting or other personal consumer reports

ALL these addresses are incorrect and never belonged to me. 
XXXX XXXX XXXX XXXX, DE XXXXXXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, DE, XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX, DE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have requested numerous of times for a permanent modification in order to obtain a long term solution for my mortgage loan. However, PNC Bank refuses to offer such assistance in order to modify my loan from a " balloon '' to a fix rate mortgage. XXXX I was in the process to refinance with them in order to obtain a new loan with a fix rate, but I became unemployed. PNC " denied '' my application to refinance and for a modification because I was unemployed. I 'm back to work now and I still do n't qualify for a permanent modification because now I have income. PNC has been " Deceptive '' in their practices to make a decision for my application to obtain a modification. Not only has PNC been " Deceptive '', but " Discriminatory '' towards the location of my property since it 's seems most of the residents in XXXX, IL are being denied assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to check out a new car at XXXX. After carefull consideration I was decided to apply for a loan for this car. I was declined for a good rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I have reached out to the FTC and to my local police department. I am doing this all on my own, and these items need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXXXXXX XXXX. XXXX/XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX. inquiries : XXXX, XXXX XXXX. XXXX