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

I am writing to formally notify you that I am a victim of a data breach, resulting in several unauthorized accounts and credit inquiries appearing on my credit report. These accounts and inquiries were not authorized by me, and I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to request that they be blocked and permanently deleted from my credit file. 
Below are the details of the fraudulent accounts and inquiries : Unauthorized Accounts : 1. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$340.00} 2. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1700.00} 3. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$10000.00} 4. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 5. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$5100.00} 6. XXXXXXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$250.00} Unauthorized Inquiries : 1. XXXX XXXX o Inquiry Date : XX/XX/XXXX 2. XXXX XXXX o Inquiry Date : XX/XX/XXXX 3. XXXX XXXX o Inquiry Date : XX/XX/XXXX 4. XXXX XXXX XXXX o Inquiry Date : XX/XX/XXXX 5. XXXX XXXX o Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX XXXXXXXX Account Number : XXXX XXXX. 
XXXX XXXXXXXX Account Number : XXXX XXXX. 
XXXX  XXXX Account Number : XXXX XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX Account XXXX : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX  Account Number : XXXX XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided trafficking documentation to the consumer.
Product: Credit card or prepaid card

I have been a longtime American Express customer and have paid lots and lots in fees over the years. One perk of one of my cards is a companion pass to use on XXXX. AmEx extended the deadline for use during the pandemic, but despite tons of XXXX  travel issues in XXXX, refused to extend these passes ' deadlines again. As a result, I know lots of people who have been unable to use this benefit. 

I am scheduled to use one this weekend XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 

I called XXXX  today to see if I can get a few week extension on the pass. XXXX  said to call AmEx. I called AmEx, and AmEx said to call XXXX. I called XXXX  again, and XXXX  said to call AmEx. I called AmEx again and asked to speak with a manager. The CSR said that there was no manager available and someone would call back within 24 hours, but that AmEx would refuse to accommodate my request to extend ( or have reissued ) the companion ticket. 

This is really poor service, and shocking that during a pandemic, this business will not accommodate my simple request.
Product: Checking or savings account

the bank is supposed to honor a {$200.00} new account bonus, as long as i has a direct deposit from a paycheck. 

I have contacted the bank probably 5-6 times, and i have already submitted a CFPB complaint. 

The company 's response to my last CFPB complaint is invalid. They are advizing that my " direct deposits '' do not qualify - yet they have no valid reason to say this. Their frontline reps already tried telling me the direct deposits are not valid - when i showed them pay stubs from an employer, they came up with a new reason of why i do not qualify for the bonus. So, BMO already has my pay stubs on file, yet they are asking to see them again. What is going on? - EXPLAIN TO ME HOW MY DIRECT DEPOSITS DO NOT QUALIFY????????????? ON WHAT BASIS ARE YOU SAYING THIS??????????????????????????????????? READ YOUR OWN REQUIREMENTS, COMPARE IT TO THE PAY STUBS THAT YOU ALREADY HAVE ON FILE, AND EXPLAIN TO ME HOW YOUR REQUIREMENTS WERE NOT MET!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

This is a copy and paste from their response to my previous cfpb complaint : " Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify. '' P.S. 
If you are going to try to deny my the bonus once again, i kindly ask that you read the emails ive already sent your company. Like ive already mentioned, youve come up with 5-6 completely false excuses to deny the bonus - each time i have replied to your company, disproving the excuse, and then you just come up with a new one. 

Your company 's response to my previous CFPB complaint was already disproven in my 2nd of 3rd email to your company. Please respect my time as well as your time and read the emails so that you dont try using an excuse that has already been disproven. 



P.S.S : i am attaching a copy of one of the pay stubs which proves the direct deposit come from an employer. BMO Harris has on their records this deposit, as well as the 2nd deposit from the same employer which makes me qualify for the {$200.00} bonus becuase both deposits are mroe tahn {$300.00} and happened within 90 days of account open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX I have lived at this address for over 2 Years, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease 2 Bank XXXX XXXX XXXX XXXX XXXX I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX
Product: Mortgage

I was sick with XXXX. This company purchased my loan from another company. I was not notified correctly. I only knew because of my alert from the XXXX with a phone number listeted. I called many times was unable to get a rep. So I attempted to create an account online. However, I couldnt had to try 30 times.When I finally got in after sending several emails and waiting for them to open back up that Monday morning. When I attempted to login to account it was not linked to my profile to be able to make a payment. I had to get tech support to investigate the issue and they took the payment over the phone. Online it shows my account on time as current I had no clue it was a return payment. Per law we have to be notified. The rep advised me they will be sending out a letter. The issue is they had my phone number and address that was never attached to me. I did not get any communication from this company. So I couldnt not make payment due to issues from their system. I ask if they could consider a good will update as paid as agreed being it was update on XX/XX/XXXX which was not correct per law you have a grace period you also need to be notified. Per online I do have screenshot it shows XXXX on time and XXXX ontime. Please update my account as paid as agreed or delete my account from credit profile I did not autorize anyone to report.
Product: Credit card

I had a credit card statement balance of {$6400.00} due XX/XX/XXXX I paid it in full on XX/XX/XXXX leaving a zero balance. The next month the credit card issuer sent a bill for additional interest charges in the about of {$52.00}. Is that within the law for them to charge interest when the balance, according their statement, was paid in full leaving a XXXX balance? During a conversation with their representative, XXXX, on XXXX at or about XXXX AM CST, I asked for understanding on how they calculated the interest charges, on what balance was the interest calculated since I had a XXXX balance according to the statement. She gave some information that did not make sense to me. I told her I would have to take the matter to a higher authority. She said I should be aware that they were going to credit the interest back to me because I had paid the balance in full. I asked if they would have credited it back if I had not called and complained about it. She gave a response that indicated they would not have because, in so many words, they would not have had a reason to investigate the account. Additionally, she said it could take XXXX or XXXX billing cycles to reflect on the account history. Therefore, I asked if it would reflect negatively on my national credit report ( XXXX ). She did not know and put me on hold to get the answer. She came back to the line within a reasonable amount of time and said she did not think it would reflect negatively because they do not report payment history unless payments go beyond XXXX days past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to formally dispute and request the immediate removal of the fraudulent accounts that have appeared on my credit reports with XXXX, Equifax, and XXXX. As a victim of identity theft, I am deeply concerned about the inaccurate information tarnishing my credit history and causing severe financial distress. 

Accounts Details : XXXX : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/2022 Balance : {$660.00} Equifax : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/2022 Balance : {$660.00} XXXX : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/2022 Balance : {$660.00} I must emphasize that I have never had any dealings with XXXX XXXX XXXX or any affiliated entity at any point in time, and the appearance of these accounts on my credit reports is entirely fraudulent. Here are some compelling reasons why it is impossible that I could have obtained a loan from the listed creditor during the specified period : 1.Geographical Impossibility : During the stated time frame, I was residing in a different state far from the location of XXXX XXXX XXXX. Any financial transactions would have been logistically infeasible. 

2.Financial Capacity : My financial records clearly show that I had no need for additional credit during that period. I was already engaged in a substantial mortgage commitment, making the acquisition of any new loans impractical. 

3.Thorough Records Maintenance : I have meticulously maintained my financial documents, and there is no evidence of any communication, application, or loan agreement with XXXX XXXX XXXX XXXX 

As a conscientious consumer, I promptly contacted the alleged creditor, XXXX XXXX XXXX, to address this matter. After an extensive investigation, they confirmed that these accounts are, indeed, the result of identity theft and not linked to any legitimate transaction initiated by me. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I hereby request that you conduct a thorough investigation into these fraudulent accounts. I also expect full compliance with the rights afforded to me under the FCRA, including : -Verification of Accuracy : Ensure that the information reported is complete, accurate, and substantiated by reliable sources. 

-Prompt Investigation : Undertake a swift investigation into the disputed accounts and provide a detailed report of your findings within the legally mandated timeframe. 

-Deletion of Inaccurate Information : Remove the fraudulent accounts from my credit reports immediately upon the confirmation of their fraudulent nature. 

-Written Confirmation : Furnish me with a written statement of the actions taken to rectify this matter, including the deletion of the fraudulent accounts from my credit reports. 

Thank you for your attention to this matter. Please provide me with updates on the progress of your investigation at the earliest convenience. I look forward to the resolution of this distressing issue and the restoration of my credit integrity. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i asked the company to investigate these inaccurate and incomplete for these accounts : XXXX XXXXXXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, Inaccurate, XXXX XXXX XXXX ( Original XXXX XXXX ) : Account number : XXXX, XXXX XXXX : Account number : XXXX, Inaccurate, XXXX XXXX  : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX, the date of last active is inaccurate, and the balances is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX Installment Loan Account listed on my XXXX and Equifax credit report for {$5200.00}, and that was opened on XX/XX/2021 is not my account. Its a fraudulent and unauthorized installment loan account. XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/2021 is a fraudulent and unauthorized credit inquiry.
Product: Credit reporting or other personal consumer reports

I have reported to all entities including the creditors that this information is a result of identity theft. XXXX Equifax and XXXX were all provided a copy of FTC report with all accounts that do not belong to me. All on the report were removed except the account XXXX XXXX XXXX. 

I requested a block for the accounts listed on the FTC report FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
ALL OF THIS WAS SENT TO THE CREDIT AGENCIES The credit agency came back and said a block was not required, however all the other accounts listed were blocked and removed XXXX and XXXX. 

None of this applies to this account - The account was NOT disputed in error, - The block was NOT requested on basis of material misrepresentation. 
- I did NOT obtain possession of goods, services, or money as a result of the blocked transaction or transactions. 

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
Product: Vehicle loan or lease

I am submitting this formal complaint against Ford Motor Credit Company ( " XXXX XXXX '' ) for their refusal to arbitrate a dispute, despite the binding arbitration agreement contained within our contract. 

XXXX XXXX  refusal to arbitrate is not only a breach of our contractual agreement but also a deliberate attempt to evade accountability for their numerous violations of federal and state laws. These violations include, but are not limited to, the following : Violations Committed by Ford Motor Credit Company Fair Credit Reporting Act ( FCRA ) Violations : XXXX XXXX failed to conduct a reasonable reinvestigation of disputed information, as required by FCRA 611 ( 15 U.S.C. 1681i ). 

XXXX XXXX failed to fulfill its obligations as a furnisher of information to Credit Reporting Agencies ( CRAs ), as outlined in FCRA 623 ( 15 U.S.C. 1681s-2 ).

Fair and Accurate Credit Transactions Act ( FACTA ) Violations : XXXX XXXX failed to ensure the accuracy and integrity of information reported to CRAs, as required under FACTA amendments to the FCRA. 

Truth in Lending Act ( TILA ) Violations : XXXX XXXX failed to retain and provide evidence of compliance with Regulation Z requirements, including payment histories and interest calculation methodologies, as required by XXXX XXXX XXXX ( c ) ( XXXX ). 

XXXX XXXX violated Regulation Z ( 12 CFR 1026.25 ) by failing to maintain and provide records for at least two years. 

Montana Consumer Protection Act ( MCPA ) Violations : XXXX XXXX engaged in unfair and deceptive practices by failing to provide accurate credit reporting and withholding critical account documentation, in violation of XXXX. XXXX XXXX. XXXXXXXX XXXX XXXX 

Civil Rights Violations : XXXX XXXX  actions have disproportionately impacted my ability to access credit and financial opportunities, constituting a violation of my civil rights under the Equal Credit Opportunity Act ( ECOA, 15 U.S.C. 1691 et seq. ). 

Basis for Arbitration The above violations form the basis of my demand for arbitration, which XXXX XXXX has refused to honor. Their refusal to arbitrate is a direct breach of the binding arbitration agreement stipulated in our contract. This refusal undermines the principles of fairness and accountability that arbitration is designed to uphold.
Product: Credit card or prepaid card

Synchrony Bank Opened an account advised by XXXX  office to finance XXXX  work. After a year of making triple monthly payments an interest charge of over {$300.00} was added to my account. I have never used this account to add to the balance. Made triple payments. They told me I had not paid balance in full by the end of a promotional time so they added this interest. I believe the public should be aware of this banks practices and know to read all fine print, which I obviously did not do!
Product: Debt collection

XX/XX/2017 I spoke to a representative and told the person them that this bill was inaccurate because their was a second insurane that should have been filed at the time of the visit and the man who i spoke to begin to tell me that i need to be responsible and pay my bills i told the rep that i was not going to go back and forth he then begin to make a threat to me and say that he was going to have it placed on my credit report because that would be the next step my concern is that it was placed due to threats this problem have causes a significant drop in my credit score. I will like for this to be resolved and removed off my credit report
Product: Credit reporting or other personal consumer reports

All credit Bureaus are required by law to ABIDE by the Federal Credit Reporting Act. By law all three credit bureaus are required to share information, so ideally, all three should be equally accurate. By examining and comparing Experian and my XXXX report Experian obviously is not in compliance with this law because Experian is reporting inaccurate information. Therefore, Experian 's information of my credit needs to mirror XXXX! As PER LAW!!
Product: Money transfer, virtual currency, or money service

This incident involves the zelle app, where CFPB recently brought up a lawsuit about the platform going against users privacy and transactions. Ive had incidents where I contacted zelle about transactions but none of them were resolved. Instead they indicated that any money that was lost or missing they couldnt do nothing about it. But CFPB stated that Zelle allowed people to exploit their system making it easy for scammers to steal money out of users accounts.