23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2016 I responded to an offer by Elan Financial for a visa card and was approved for a credit line of {$2000.00} on XX/XX/2016. Shortly after I received my visa card ending in # XXXX. In XX/XX/2016 I requested an update to my mailing address and phone # and in response I received two separate letters one dated XX/XX/XXXX & another XX/XX/2016 both thanking me for contacting Cardmember Services and that they appreciate the opportunity to be of assistance. Regrettably, we are unabe to process your request at this time. Please contact Cardmember Service Dept. @ number listed below. Once I called I ended up being transferred to there fraud dept which I found ridiculous since they changed the address & phone to my other account. After getting no response to my request I submitted a payment to the account above and received a statement with a credit of {$10.00} to the account. I noticed that the account stated that it was closed and to destroy and cards in my possession. I called to be told that it was n't closed, but under review? Unless I received the statement I would have never known it was closed and / or under review! On XX/XX/2016 I wrote Elan Financial a letter which on XX/XX/2016 they acknowledged by updating my address but failed to address the account closure / under review. This time they sent a letter confirming the address change to both the old and new address. We a coming to the new year and I am still waiting for an explanation for there actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have derogatory information on my three credit bureaus from TransUnion, XXXX and XXXX that are not correct Ive tried numerous of times contacting and speaking to the credit bureaus about the negative information there reporting on my credit report and I have also complained to them that someone who I know and trusted which was a family member that used my personal information to obtain credit using my personal information also there are lots of hard inquiries being reported on my credit reports which I didnt authorize could someone please help me out with these problems Im having thank you.
Product: Consumer Loan

I had a car financed with a friend, we were behind on making payments, but we were nearly caught up when XXXX XXXX XXXX decided to repo the vehicle. They neglected to tell us we still owed on the vehicle, this was back in 2012. This year XXXX has filed a complaint with the courts ( lawsuit ) back in XX/XX/XXXX they initiated contact at my work, they were asked not to contact me there anymore, they said I failed to the court proceeding and I did but incorrectly, they decided to send the letter to my job, my store manager was furious since we already told them not to contact me there.
Product: Vehicle loan or lease

Made ridiculously high payments on time they made a payment plan for late fees that I did not even owe and I do not know how to fix this because when I do get in contact with someone they're trying to make a new payment plan for things I don't understand you're telling me I was late for my first car payment after I paid my first car payment right after it said it was late already so it's always been late since I began to pay for the car which is very awkward
Product: Credit reporting or other personal consumer reports

Someone pulled hard inquiries from my credit report for credit cards and loans
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

I want the CFPB to
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. The accounts that are not mine which should be deleted.I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. 
The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were.I believe that personal info was used by some one else to open this account. I am a victim of identity theft. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failures by credit reporting agencies to comply with these federal regulations are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445, you may be liable for your willful non-compliance.
Product: Mortgage

On Monday XXXX XXXX, 2017, my home insurance company XXXX XXXX XXXX XXXX contacted me and informed me that Ocwen Loan Servicing , LLC contacted them stating that my home was vacant and unoccupied. XXXX XXXX contacted me immediately and we started looking into the matter further. They then stated that Ocwen Loan Servicing , LLC was listed as the mortgagee on my insurance paperwork. Ocwen is NOT my mortgagee and my house is not vacant. XXXX XXXX Bank is my mortgagee. On XXXX XXXX, 2017, I received documentation from XXXX XXXX to provide to XXXX XXXX stating that they were the mortgagee. XXXX XXXX did no see anything in their system showing that I changed who the mortgagee was. XXXX XXXX also looked into the issue and there was no indication that Ocwen has been a part of my mortgage at any time since purchasing the house. XXXX XXXX ( XXXX ext XXXX ) was my XXXX XXXX case worker.
Product: Debt collection

I contacted American express 2 months ago in attempt to try to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent items on my credit report and have yet to receive anything back in over 45 days for these accounts that are clearly fraudulent accounts. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These credit bureaus are not abiding by the law and taking advantage of consumers and this has caused me to not be able to purchase a home for me and my family along with higher Interest rates. The most recent certified letter I sent was XX/XX/2023. 

XXXX  Account # XXXX & XXXX XXXXXXXX has violated my rights. 


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.

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: Credit card

Amex mis appriated money from my account giving it to another account even after amex approved the wire transfer. This was 90 days after wire transfers took place. Not giving me any explanation. After filing complaints they were judge jury and executioner. They took close to {$20000.00} from me charged my account refuse to send anything in writing. This was fraud on their part. Contact heads of customer service inNYC and nothing.the team that investigated this at first money sent back to bank it came from a lie. Then said it belonged to another party who said that 90 day had past and just noticed they sent to wrong account and amex just sent it back to their account illegally I say
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 .S.C . 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the resuit of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX that appears relate to one of the aforementioned accounts.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was suppose to be removed from my credit report due to inaccurate information and I 'm also taking care of it directly with XXXX XXXX XXXX. The account was removed from my transunion report but not my equifax. It is now XXXX XXXX,2017 it 's been over 60 days since I filed this dispute.
Product: Credit reporting or other personal consumer reports

I sent a request that you reinvestigate the disputed Accounts from my credit report as well as correct or update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my requestXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Back in XXXX I filed a complaint against XXXX XXXX XXXX to get loan assistance. The case number is XXXX I was able to get a loan modification after I filed the complaint which started on XXXX XXXX  2017. The loan modification specified for me to make XXXX trial loan payments which decreased my payment to {$670.00}. The three trial payments were to be made XXXX XXXX XXXX XXXX and XXXX XXXX 2017. I just found out a week ago ( after making the first trial payment ) that my loan has been sold to Specialized Loan Servicing. Right now, Specialized Loan Servicing has no record of my loan modification. I spent over 9 months working with XXXX XXXX XXXX to get the loan modification approved and wrote to the CFPB and they ended up selling my mortgage loan. I am highly disappointed and upset that this happened. I spoke with several representatives at XXXX XXXX XXXX that advised me that I would not need to make any loan payments for my regular loan amount of {$810.00} while under the loan modification trial period. They advised me that the past due payments would go to the end of the loan once the trial period was over. I would like my trial loan modification to be transferred to the new loan under specialized loan servicing. The new loan account number is XXXX
Product: Student loan

I have two federal loans for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The loans are in default but they should be discharged due to XXXX closing, filing for bankruptcy in addition to the fact that I had to withdraw from classes because I needed XXXX XXXX XXXX. I submitted this information to the Department of Education XX/XX/2019 and was notified via email they received the information and there was a lawsuit pending against the Department of Education.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I had a Wells Fargo Loan from XXXX and may have been charged additional fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT ISNT MINE, I AM NOT RESPONSIBLE OF THIS ACCOUNT, I AM A VICTIM OF ID THEFT. PEOPLE HAVE USED MY INFORMATION TO OPEN IT -XXXX XXXX XXXX ( {$140.00} )
Product: Debt collection

My father XXXX XXXX bought this car for me several years ago as a gift ( XX/XX/XXXX ). I Never got the repairS finished or the DMV smog. So I gave it back to my father XXXX in XX/XX/XXXX. XXXX then gave it to his nephew, XXXX XXXX, in XX/XX/XXXX and turned in a release of liability with California DMV at that time. Some time later XXXX XXXX, my cousin sold the XXXX to his friend XXXX XXXX. XXXX then surrendered the Toyota to a Junk yard on XXXX XXXX, XXXX. I AM NOT LEGALLY RESPONSIBLE FOR THIS XXXX TOYOTA, VIN # XXXX PLATE # XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AFFIRM INC XXXX XXXXXX/XX/XXXXXXXX XXXX CA XXXX Dear Sir/Madam : I am writing in regard to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt that you claim I owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ).

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On about XX/XX/XXXX, I contacted XXXX XXXX to request that an authorized user be added to my account. During the request I was also offered a credit increase, without the need to generate a credit inquiry. Prior to accepting the offer, I confirmed that there was no need to do a credit inquiry ; the representative assured me that an inquiry would not be generated. 

A few weeks later XXXX XXXX sent me a letter, denying an application for an additional card ; the letter suggested that I could re-pursue the matter if I provided a pin to unfreeze my credit report. I the letters because I had no intent to allow them to generate an inquiry on my credit report ( as it would negatively affect my score ). 

Unfortunately a couple of months later, while applying for a home loan, I discovered that XXXX XXXX generated a 'hard ' inquiry without my consent. The inquiry has negatively affected my credit and score. I've contacted XXXX XXXX on several occasions was given misinformation each time. Each contact has been met with negative results. 

I've been an XXXX XXXX customer since XXXX, which I have 2 different accounts ; both accounts have always remained in good standing. Less than a year ago I added an authorized user to one of the accounts, without generating a credit inquiry. 

Additionally, I have credit cards from several other financial companies, i.e. XXXX and XXXX. I also added authorized users to my cards from each of the companies ; neither company sought the need to generate a hard inquiry. 

It is my understanding generating an inquiry on a consumer 's report without their consent, is a violation of the Fair Credit Reporting Act. Hopefully CFPB could contact XXXX XXXX and resolve this matter.
Product: Checking or savings account

TCF bank was converted to Huntington bank. I closed my account in XX/XX/2021 and since then I have not received my fund. Its been around XXXX months and no clear response or plan. I have called them multiple times ( more than XXXX  times ) and visited branch also. Branch manager also wrote an email to their internal department and still no response. Very poor customer service and I have wasted my multiple hours in pure mental agony in this matter without any solution.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 account without my written instructions.
Product: Credit reporting or other personal consumer reports

Transunion has failed to provide the proper documentation. This is an ongoing complaint creditor has failed to provide proper documentation requested below a Better Business BUREAU Complaint has been filed as a result please see documentation attached for better clarification please update all inaccurate late payments to paid as agreed paid on time i was never late also never late according to 15 USC 1666 B. Please see attached a COPY OF THIS COMPLAINT WILL BE FOWARDED TO THE ATTORNEY STATE GENERAL ASWELL THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to communicate with Experian Credit Bureau for years on the same issue. They refuse to delete accounts reporting inaccurately on my credit report. They send me letters stating that the accounts have been verified, but refuse to show me proof that these accounts have been validated or verified to be mine. 

In accordance with the Fair Credit Reporting Act XXXX  Accounts : XXXX XXXX- # XXXX XXXX XXXX- # XXXX *XXXXXXXX XXXX- # XXXX Unauthorized Inquires : *XXXX  XXXX- On XX/XX/2023 *XXXX XXXX- On XX/XX/2023 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 consent.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding my credit report. Upon reviewing my credit report, I have identified several unauthorized accounts that have negatively impacted my creditworthiness. I strongly believe that these accounts are the result of identity theft and require immediate attention and resolution. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
The following are the specific accounts in question XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX I want to clarify that I have not initiated or authorized these accounts in any way. These accounts have been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a report with the Local Law Enforcement Agency and the Federal Trade Commission ( FTC ). I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. 
I kindly request that you conduct a thorough investigation into the validity of these accounts and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me. 
A written statement confirming the removal of these accounts from my credit report upon the completion of your investigation. I understand that this is a serious matter, and I urge you to act promptly to rectify this situation. Failure to cooperate in resolving this matter may result in further legal action to protect my rights and creditworthiness.
Product: Checking or savings account

To Whom It May Concern, I am submitting this complaint against Cash App ( Square , Inc. ) regarding unauthorized transactions that occurred on my account and Cash Apps failure to issue a refund within the promised timeframe. Despite my repeated efforts to resolve this issue, I have not received my funds, causing me significant financial hardship. 

Incident Details : On XX/XX/XXXX, my phone was stolen while I was on vacation in XXXX XXXX. 

The thief gained access to my Cash App account and depleted my funds from my linked XXXX XXXX XXXX account through unauthorized transactions. 

Upon discovering the fraud, I immediately reported the issue to both Cash App and XXXX XXXX XXXX and provided all necessary documentation. 

Cash App initially acknowledged the fraudulent transactions and assured me that my case would be resolved within 10 business days. 

As of XX/XX/XXXX, Cash App has exceeded this timeframe and has not refunded my money, despite my multiple follow-ups. 


Violations and Consumer Harm : 1. Failure to Prevent Fraud Cash App allowed unauthorized transactions without proper security measures in place.

2. Failure to Investigate and Refund Promptly Cash App committed to resolving the issue within 10 business days, but they have failed to do so.

3. Financial and Emotional Hardship The delay in refunding my stolen funds has caused me financial distress and unnecessary frustration.