23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I WAS A VICTIM OF ID THEFT IN A USED CAR BUSINESS, BY XXXX XXXX AND HIS FATHER XXXX XXXX. THEY FRAUDULENTLY USE MY NAME AND NAME SEMBLANCE TO DEFRAUD CUSTOMERS OF THEIR TAXES AND WARRANTY MONEY THEY PAID XXXX XXXX AT THE DEALERSHIP, XXXX XXXX HAS PLED GUILTY TO ALL COUNTS AS YOU WILL SEE ATTACHED. THE TAX LIENS ON MY CREDIT REPORT IS NOT MINE, THEY ARE WHAT XXXX PLED GUILTY FOR
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against the 3 Credit Bureaus for reporting inaccurate information on the listed accounts below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need the 3 Credit Bureaus to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the items. 

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

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX XXXX Balance : {$290.00} Chapter XXXX Bankruptcy XXXX Balance : {$0.00}
Product: Vehicle loan or lease

I am a XXXX  ( XXXX ) in the XXXX XXXX XXXX and throughout my career have never had an issue when it comes to being activated and requesting coverage under the Servicemembers Civil Relief Act ( SCRA ) until recently. On XX/XX/2022, I submitted a request to XXXX XXXX XXXX, who owns my vehicle loan, requesting SCRA coverage due to my activation and receiving a copy of my deployment orders. Flagship sent me a letter in the mail a few weeks later saying I was not eligible. I called the bank in XX/XX/XXXX to inquire as to why I was not eligible and the customer service rep told me I was not eligible when they ran my name through the system they use to verify eligibility. I explained I am not sure why it would say that, and referenced the copy of my orders I submitted to them for reference, proof of my eligibility. I decided to call back at another time, hoping to speak with someone who would be more knowledgeable about the SCRA  coverage for military members. I called back a few weeks later in XX/XX/XXXX, and again was told I was not eligible and needed to get a letter from my commander proving I am eligible. I called the base legal office asking for further guidance and was told to file a complaint since this is a direct violation of the SCRA act, and in the meantime they will assist me with drafting up a letter to have my commander sign to send to the financial institution. The XXXX I spoke with, said this is rare any business would push back when it comes to SCRA. I am submitting this complaint in hopes other service members do not give up if any financial institution pushes back against the SCRA.
Product: Money transfer, virtual currency, or money service

My business email was copied by a scammer but was one letter off. This scammer was able to use this email to gain access to an invoice we had sent to a client. The scammer asked the client the status of the invoice ( pretending to be my CFO ) and when they payment would be made. They also asked what account was on file with our client for the ACH transfer. Our client gave the last 4 digits of our account. The scammer said this account was no longer valid and asked to update the account information. The scammer completed a direct deposit form with false information, routing number, and account number and signed the document as my CFO. They also included a fake voided check with the same routing and account number. Our client called us before making the bank change so the money was never sent to the scammer ( {$37000.00} ). The routing and account number match JP Morgan Chase Bank. The bank has confirmed the account is real and is attached to a client. They have refused to acknowledge their customer is sending scam emails and has committed fraud. We have filed a police report and reported to the FTC.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been Deleted from my XXXX credit report due to company not being able to provide Purchase Agreement & Assignment Contract with wet ink signature binding both parties or 1099-C for cancelation of debt. Despite the Deletion from XXXX XXXX XXXX is still reporting to XXXX & Experian inaccurate balance, dates which moves the statute of limitations as well as other inaccurate information. This is a violation & holds grounds for deletion. The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ), credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, Section 611 ( a ) ( 5 ) ( A ) requires that any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted. Also a 1099-C is required under IRS regulations for the cancellation of debt, and was never produced. These inconsistencies have effected my account severely and needs to be DELETED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX
Product: Credit reporting or other personal consumer reports

A hard inquiry showed up on my credit report ( TransUnion ) on XXXX. The company name listed was XXXX XXXX. I have not applied for, nor ever heard of the company before. I contacted XXXX XXXX requesting that they remove the inquiry from my credit report and to notify them that someone was trying to likely fraudulently open an account under my name and social security number. I provided them my full name, date of birth, current address and the last XXXX digits of my social security number. They were unable to verify that an application was made in my name. They were also unable to explain why a hard inquiry was attached to my credit report from their company. I requested that they send me a letter stating that they have no record of me applying for any of their services. They declined and said I needed to contact the credit reporting agency. I then called TransUnion to ask to have the hard inquiry removed. They told me that I needed to call XXXX XXXX and request a letter that would remove the hard inquiry. They then stated that if XXXX XXXX would not provide the letter, that I needed to file a complaint with the FTC, then send TransUnion a copy of the complaint with a hard copy of my driver 's license and Social security number in the mail. I do not feel comfortable sending copies of all of my personal information in the mail, especially considering the circumstances that are requiring this. If I can verify my identity to transunion and to XXXX XXXX, they should be able to remove the inquiry.
Product: Payday loan, title loan, personal loan, or advance loan

I currently have a loan with one man financial. I received an offer for a new loan that would also pay off my current loan and refinance the remainder of my current loan. However, when I filled out the form for the new loan, I was denied, even though I was preapproved for that loan. Now because I filled out the form, they did a hard credit check on my credit and it negatively impacted my credit by any point I think that because I was preapproved I should not have been denied that long because I received the preapproval only because I have good standing payments with the other current loan I have with them, I believe that this is false advertising and harmful to consumers to be sending out preapprovals when people are actually not preapproved for those I want the heart inquiry removed from my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact Equifax on XX/XX/XXXX. I went to the link on XXXX XXXX ... .at the website i began to file the complaint and after i had given them personal information and my social security information, it proceeded to a page asking for my credit card details. I then called the phone number provided to submit a claim and it was a circular automatic voice menu which never allowed me to submit a claim by phone. there was NO phone provided to actually contact a real person at Equifax. Once I did get through and gave them all my personal information to then file the complaint, she then proceeded that she needed to verify my account with all the details of credit report, not one, not two but, pretty much more personal information that was unnecessary to the complaint at hand. I found that the request for this information was highly unusual and suspect. I finally googled how to file a complaint and proceeded to read about all the complaints starting in 2012. Why is this company still being able to report on anyone 's credit standing? 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the accounts and inquiries listed below be blocked and permanently deleted from my credit report. I have been a victim of a data breach, and my personal information was used to create unauthorized accounts and inquiries without my consent. 
Under 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ), I am entitled to have these fraudulent accounts and inquiries blocked and removed from my credit file. 
XXXX Accounts XXXX. 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: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a Lawsuit against Experian, alleging systemic issue such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Payday loan, title loan, personal loan, or advance loan

Previously took out a loan and lost my job. I wasn't able to pay the remaining amount due to that I was told at the beginning of my loan that if anything was to happen as such I would be covered through the insurance I signed up for. One main financial took me to collections
Product: Credit card

I noticed on my most recent Barclays XXXX XXXX statement dated XX/XX/XXXX a charge for {$29.00} for XXXX XXXXXXXX XXXX XXXX that was not authorized. I contacted XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX and asked about the charge and I was told it was a monthly charge for unlimited car wash. I informed the girl from XXXX XXXX that I didnt sign up for a monthly car wash and she told me I signed up in XX/XX/XXXX and they had been charging me monthly for the service since then. I told her I only authorized the {$10.00} charge on XX/XX/XXXX for the car wash -I hadnt authorized anything else. She told me she would cancel the monthly subscription. I requested credit for XXXX months worth of transactions they had been charging me without authorization ( XXXX XXXX ) and she told me she could only credit me for XXXX months worth. I said that was unacceptable as I didnt authorize any transactions but the {$10.00} on XX/XX/XXXX. I then contacted Barclays billing disputes and spoke to someone regarding this and she said that since the merchant said they would credit XXXX months, she would dispute the remaining XXXX months unauthorized transactions. On Wednesday, XX/XX/XXXX, I received a letter from Barclays disputes department saying they were unable to obtain credit on my behalf because they did not receive the notification within XXXX statement cycles after the charges appeared on my monthly statement and they are past the timeframe to assist. I called Barclays disputes department that same day and spoke to a gentleman and told him the charges were fraudulently made by XXXX XXXX XXXX XXXX so asked how I would know to notify them within XXXX statement cycles? He said they are unable to assist so I requested to speak to a supervisor to which he took down my number and said I would receive a call back in XXXX hours. I never received a call back. I am contacting you in hopes that you can assist me in getting my money back for the fraudulent charges Barclays paid the merchant with my credit card. Your attention to this matter is much appreciated. 

Sincerely, XXXX XXXX Dispute case # s for unauthorized transactions are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am nearing the end of my vehicle loan with Ally Financial. I was told by a representative with Ally that the pay off amount on my loan as of XXXX XXXX, XXXX  is {$520.00}. 
I got an email today showing that my balance is {$1100.00} ( {$520.00} showing as late charge, which is actually the payoff amount, and {$620.00} showing as a payment due which is totally incorrect. ) When I paid the {$700.00} payment towards my loan my account showed a balance of {$520.00} with no late charges. I can not understand how is it that I owe late charges, while making large payments on my account. My prior balance was {$1200.00}. I am going to pay the {$520.00} payment on XX/XX/2022 and not a XXXX  more. The contact person at Ally that I have record of is XXXX XXXX no last name given ) who can be reached at ( XXXX ) XXXX OptXXXX, Opt XXXX, ext. XXXX.I hope you guys can assist me with this matter as soon as possible. I have attached documentation which I hope sheds light on my situation. Thank you.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy of certain accounts listed on my credit report and requesting their immediate removal. Despite my previous dispute submissions, you have consistently responded within XXXX hours stating that the accounts are accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable and good-faith investigation into consumer disputes. 

Under the FCRA, you are required to conduct a proper investigation and provide substantiating documentation from the data furnisher to validate the accounts in question. If no verifiable documentation can be provided, these accounts must be deleted from my credit report immediately. 

Furthermore, your actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ( B ), as the failure to properly investigate disputes constitutes an unfair and deceptive practice under federal law. The CFPB has recently highlighted similar violations in administrative proceedings, emphasizing the necessity of compliance with investigation requirements. 

I am requesting that you conduct a thorough investigation, provide me with documentation verifying the legitimacy of the disputed accounts, or delete them from my credit report within the legally mandated timeframe. If my request is not properly addressed, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.
Product: Debt collection

On Thursday XX/XX/2019 XXXX I call the Alltran Financial to try to resolve this problem because they have been harassing my XXXX year old aunt calling he several times a day and using abusive language on how she need to resolve this matter. I was paying the amount out of my account until I made contact with the XXXX XXXX XXXX XXXX when they advised me that they wasn't receiving any money on this account because the account has been closed. The amount owed is the amount that the gap insurance didn't pay. On this day I advised XXXX XXXX XXXX that I will no longer allow them to take money out of my account. If they send it to me in the mail with a break down of where the money that has already been paid I will pay the bill with no problem. Ms. XXXX stated that isn't the way it is going to be done. She will tell me how it is going to be done. Ms. XXXX have called me several time over and over again being rude. She has harassed my aunt almost in to a nervous break. They are calling everyday several times a day. Ms. XXXX stated it has to come directly out of my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus have infringed my rights as a consumer, and violated multiple times on my behalf The Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) : the credit bureaus have to update/modify any and all accounts reporting accurately According to 15 USC 1681b ( 1 ) : the credit bureaus have provided written permission According to 15 USC 1681 : I have the right to privacy According to 15 USC 1681s-2 : 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.

( B ) Reporting information after notice and validation of incorrect reportings ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request a correction of the following information that appears on my Experian consumer report. XXXX XXXX, account Number : XXXX* didnt update the details of date is inaccurate, the date last active is inaccurate, date of balance last reported is inaccurate. I just wanted to make sure everything was reporting 100 % correct according to The Fair Credit Reporting Act ( FCRA ) once notified of an error, FCRA requires the credit reporting companies to do a reinvestigation after you dispute the accuracy or completeness of the information. To my understanding everything was not 100 % accurate, Please remove the account because I have the right to bring a lawsuit. If the credit reporting company violates the FCRA, they can be held liable for actual damages and attorney fees. I have attached a copy of my report with the account in question circled
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX CO, XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX F XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you know, Equifax credit reporting agency was hacked over a month ago and failed to notify me in a timely manner that my personal information had been stolen. 

I am now advised that I need to freeze my credit report at a fee of {$10.00} per reporting agency or subscribe to a credit monitoring service at $ XXXX year in order to protect my information from being used fraudulently. 

This is racketeering straight up. I am at no fault in this matter, and yet I am being asked to pay for financial protection services to the very same industry that created issue I know need protection from. 

I am unable to access Equifax to discuss the matter either on their web site or by phone. 

If ever there was a need for federal intervention to protect the rights of consumers, this is it.
Product: Debt collection

Credence resource management contacted me about a debt collection. I forgot to pay for a long time ago I requested for them to send me the amount I owe, and I simply paid and I receive my receipt.

But they continue to contact me every day and they continue to harm my credit score because theyre also reporting to them that I owe debt