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

Good Day, I am writing to you today to request that my credit report be updated to reflect the correct information. I pulled my report from XXXX today and it is showing XXXX. I am not sure what happened buy my credit score dropped by 72 points. 
I have copy and attached the information from the XXXX Website and Also XXXX Report Number : XXXX Date Generated : XX/XX/XXXX Potentially Negative *****The accounts below were included in a Chapter XXXX Bankruptcy. XXXX Bankruptcy # XXXX Discharge Date XX/XX/XXXX so they should not show as late or unpaid. Please contact the reporting agency to update the information. 

XXXX XXXX/XXXX Dispute XXXX XXXX Dispute XXXX XXXX/XXXX   Dispute XXXX XXXX/XXXX XXXX Dispute XXXX XXXX/XXXX XXXX Dispute XXXXXXXX XXXXXXXX XXXX/XXXX Dispute Personal Information NamesAddressesDOBSSNPhone Numbersshow tooltip button 37 personal information entries View All Accounts Credit CardsMortgagesLoansshow tooltip button 26 accounts, 6 potentially negative Inquiries For Accounts 4 hard inquiries Not Disputable Online.

Public Records No public records reported ******Bankruptcy not showing and Negativley reporting as NOT PAID or LATE******
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Exeter account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED ACCOUNTS THAT DO NOT BELONG TO ME. THE ACCOUNTS ARE : 1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent dispute letters to XXXX, TransUnion, and XXXX  ; disputing inaccurate items on my credit report. I was told that due to Covid-19 the credit bureaus were given 45 days to respond to disputes ; so I waited until after 45 days. Today 's date is XX/XX/2021, which is more than 2 months after I sent my dispute letters, and I have still not heard back from any of the credit bureaus. To just ignore my letters is totally unacceptable! In accordance with the Fair Credit Reporting Act ; since these companies failed to prove the accuracy of these disputed items, they must be deleted immediately. I expect immediate action to be taken, as I take my credit very seriously, and want to stop the damage that these accuracies have caused me. I have attached the letters I sent on XX/XX/2021 for reference.
Product: Mortgage

I divorced this year and kept XXXX properties that were jointly owned by me and my XXXX and as a result of the divorce I need to remove her from the mortgages. Therefore, I applied to Assume the mortgages held by PNC Bank. I filed XXXX applications, XXXX for each property my primary residence and a second home. Both my applications have been denied because my " income is insufficient for the amount requested. '' I know my income, and I know that this conclusion is incorrect I have sufficient income. After multiple requests for reconsideration, PNC 's denial stands. Even more surprising is that I can't even get a copy of the calculations that led to this erroneous and unfair conclusion because, according to PNC representatives, these calculations are " proprietary and confidential. '' How can that be, when those calculations only involve my income and are being used to deny my application? I can only conclude that PNC knows there is a systemic process issue and does not want to provide me evidence that would expose it. 

Additionally, I've asked if my rental income is being considered in the decision, and the answer has consistently been " NO, because you can't prove the existence of that income on a tax return. '' This is absurd, all because my rental income started in 2024! 

Finally, I also requested a description of the acceptance criteria/guidelines, and this request was denied because this information is " proprietary and confidential. ''
Product: Credit reporting

I get some accounts on my credits reports with XXXX balance who was closed on XXXX and not going to be removed until XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$22000.00}.
Product: Credit reporting or other personal consumer reports

It is not a hard inquiry but I did not know where to classify it. I have a closed Ava Finance Inc account reported in my XXXX credit report closed on XX/XX/year>. I did not authorize any opening or closing of the account, so I do not recognize the account I recently saw in my bank account an ava finance transaction made with a debit card that had its data compromised
Product: Credit card

Between XX/XX/XXXX- XX/XX/XXXX, a plumber that was formerly employed by me made 7 individual fraudulent charges in the same amount of {$5400.00}, totaling {$38000.00}. I contacted Chase in XX/XX/XXXX to dispute the charges. By XX/XX/XXXX, Chase decided the charges from the vendor were " valid '' because the vendor could produce false receipts from XXXX, the app used to make the charges. The vendor had my credit card number on file from having worked with me previously and charged it without permission and without signatures. In XX/XX/XXXX, the COVID pandemic shut down companies, and Chase was unresponsive. In XX/XX/XXXX, Chase reopened the dispute case but only reversed 1 of the {$5400.00} charges while it was being investigated, which meant the other 6 charges totaling {$32000.00} was still being charged on the credit card, collecting late fees and interest. Chase also closed the previous account and reissued a new account number. Chase once again found the vendor 's charges valid and placed the {$5400.00} charge back on the credit card citing that the vendor could produce receipts. In XX/XX/XXXX, I tried to contact the dispute department at Chase again, but they said it was a fraud case so I contacted the fraud department. Chase 's fraud department said it was a dispute case so they told me to call dispute. I was given the run around and told to contact the " other '' department on many occasions. 

In XX/XX/XXXX, I consulted an attorney who wrote a letter to Chase on my behalf. Chase sent a letter of acknowledgement and said I did not have to pay for any disputed amounts during the research period of dispute ; however, they did not reverse any charges and continued to charge late fees and interest. From XX/XX/XXXX- XX/XX/XXXX, the lawyer sent Chase 4 letters, and Chase sent 4 letters of acknowledge, each stating that disputed amounts would not have to be paid during the research period. No adjustments were ever made during this same period on the credit card statements. In XX/XX/XXXX, I filed a police report against the plumber for fraud and an investigation was made using the dates and times on the receipts provided by Chase. It was found that the plumber was on his XXXX inside the XXXXXXXX XXXX on the specific dates and times the fraudulent charges were made. The plumber 's personal casino card was tracked. 7 charges of XXXX over {$1200.00} and 7 charges of misuse of a credit card were brought against the vendor. 

Chase never reversed any charges or further investigated the fraud. Over the course of XXXX and XXXX, there was a total of {$340.00} in late fees and {$3800.00} interest charged to this account due to this incident. I did not want to continue to incur late fees and interest charges. In XX/XX/XXXX, I paid the outstanding balance on the credit card because it seemed like nothing could be done. Chase had been negligent and unresponsive for over a year.
Product: Debt collection

I had {$1400.00} added to a card fraudulently before I had even received the card to activate it. It may have been intercepted. I submitted a dispute in XX/XX/XXXX before I had gone through all of the necessary steps and they denied it. I then filed a police report am working directly with my ID Theft specialist to dispute. The company is not being helpful and seem to be doing their best to avoid assisting and taking responsibility for this ID theft. A formal dispute was submitted XX/XX/XXXX, a call was placed to them XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. During these calls, they acknowledged that they had received the fraud paperwork, but constantly refuse to accept the POA that I had notarized. We have spoken with reps and leads to the fraud team and were assured on XX/XX/XXXX that the issue was resolved and the charges would be reversed and that a letter would be mailed to confirm. Fast forward to today and we find that for the 7 months that they have had an official dispute that they have not opened up an investigation which is a violation of the fair credit reporting act. It is unacceptable for them to handle this case so unprofessionally. If I am not able to resolve this, I will be involving an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that Equifax fix the errors on my report or delete the inaccuracies several times this year. Each time yielding the same result : inaccuracies remain and continuously reflected in my credit reports affecting my scores and my ability to have fair and correct information reported about me to employers and financial institutions. 

15 U.S. Code 1681 ( a ) 1 Congressional findings and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

XXXX XXXX has been reported on my Equifax credit report twice since the first time it was disputed in XXXX of XXXX  and has remained on my report since. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I do not have 2 accounts with XXXX XXXX and should not be admonished and presented unfairly on my Equifax report because of it. This is a complete injustice and should be corrected immediately.
Product: Mortgage

my XXXX homeowner 's insurance has been updated and lowered to {$1400.00} annually @ {$110.00} per month. We 've faxed, emailed and mailed nationstar mortgage over XXXX times and they still fail to update my homeowner 's insurance/escrow records. XXXX themselves has mailed XXXX the new {$1400.00} annual premium records multiple times with no success ... HELP from the CFPB?
Product: Credit card

I received a credit card from Capital One for rebuilding credit last XX/XX/XXXX. I made every monthly payment either a larger payment than the minimum or just the minimum days before the due date. I 've had this card for 11 months and they reported my balance and payment history or so I 'm told. I recently applied for another card and was denied for no credit history. My credit score is a XXXX. I got this card to help my credit score it has not! either the credit card company is not reporting correctly or the reporting companies are not reporting correctly. Either way ... me the consumer is negatively and unfairly effected. The purpose of this card that I got 11 months ago was to help my credit score. This is not correct or fair to do to anyone let alone a single woman that was lied to by a large company just to make a dollar .I do not want to involve the press or a third party, but I will if I have to.
Product: Credit reporting or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person. i also have a screenshot of a email sent from them saying they not gong to complete my dispute do to they think its a 3rd party or not me sending the letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX  {$3300.00} - This account was successfully disputed and removed from my report. It has reappeared without explanation.
Product: Prepaid card

I got an American express gift card for XXXX XXXX tried to use it online at several places, XXXX, XXXX ect nothing works always declined by bank ( American Express I assume ) so the card is useless wondering if they can just send a check have spent several hrs. on the phone to their customer service centers both online and the number on the card they don't seem to know what to do either, said keep trying. In one case I heard a rooster in the background, so I wonder if it's even legit
Product: Money transfer, virtual currency, or money service

I scammed out of my car payment money. I was so hurt because I had just got my pay check and she said I could get more back everybody was saying she was legit and Im a kind person. Never have i ever thought that could happen to me
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Violation of Consumer Rights, Privacy Act, FCRA, and Consumer Protection Act I am writing to officially register a complaint against [ Credit Reporting Agencies Attached to this complaint / Financial Institution attached to this complaint ] for significant violations of my consumer rights, privacy act rights, the Fair Credit Reporting Act ( FCRA ), and the Consumer Protection Act. This complaint is submitted in accordance with the relevant legal provisions and is based on the following grounds : 1. **FCRA Violations : ** - As a federally protected consumer, I hereby exercise my right to opt out of any and all authorization for the disclosure of my nonpublic personal information, in accordance with 15 USC 6802. 
- Per 15 USC 6803, [ Financial Institution attaches to this complaint ] failed to provide the required notice or disclosure regarding the sharing or selling of my private information to non-affiliated agencies, such as consumer reporting agencies.

2. **Consumer Reporting Agencies ( CRA ) Violations : ** - [ Credit Reporting Agencies , e.g., XXXX XXXX XXXX XXXX XXXX XXXX, are non-affiliated third-party entities that have violated my privacy by accessing and sharing my personal information without explicit consent. 

3. **Privacy Act Violations : ** - Violation of my rights under the Privacy Act ( 5 USC 552a ) by [ Financial Institutions and CRAs ] through the willful sale and sharing of my nonpublic information without proper permission and notice.

4. **FCRA Compliance Failures : ** - [ Credit Reporting Agencies and Financial Institutions ] failed to maintain reasonable procedures to ensure users had permissible purposes for accessing reports, assure maximum possible accuracy, and provide FCRA-mandated User Notices.

5. **CFPB Enforcement Action : ** - Reference to the recent enforcement action against XXXX by the Consumer Financial Protection Bureau XXXX CFPB ) on XX/XX/2022, highlighting concerns about the industry 's compliance with the law. 

XXXX. **Damages and Legal Remedies : ** - Due to the failure to honor my opt-out requests per 15 USC 6802, I have suffered traumatic emotional, financial, and physical damages, necessitating legal redress.

7. **15 USC 1681n- Civil Liability : ** - Pursuant to 15 USC 1681n , I seek civil liability for willful noncompliance, including actual damages, punitive damages, and legal costs.

8. **Dodd-Frank Act Violations : ** - Asserting that [ Credit Reporting Agencies and Financial Institutions ] are engaging in deceptive acts or practices, violating consumer financial laws under the Dodd-Frank Wall Street Reform and Consumer Protection Act.

In consideration of the aforementioned violations, I request a thorough investigation into this matter and a detailed response outlining the corrective actions taken. Attached herewith are supporting documents demonstrating the unauthorized sharing of my personal information.

I am prepared to pursue legal avenues for resolution if necessary. Your immediate attention to this matter is appreciated, and I anticipate a timely resolution.
Product: Checking or savings account

I have requested USAA to investigate a duplicate/ reversal credit of {$2200.00} because I never received goods/services. I tried solving the issue with merchant no response. I asked USAA for help. but USAA has failed me again ( last time, USAA corrected their error after proper infestation ) Once again I received a weak response/investigation. 
On XX/XX/XXXX I went to purchase floors at XXXX XXXX XXXX in XXXX, but they didn't have the amount and color that I required, even though a sale occurred, we never picked up the goods, therefore a reserval/refund was supposed to be processed, but merchant never did, merchant has failed to call me back multiple times. Yes there was a sale transaction but there was NO PICK, I never picked up or signed any pick up of goods from the XXXX location. However I DID purchase and signed pick up from the XXXX  location for the amount of {$2200.00} that purchase I did signed and picked up goods. XXXX failed to send documents I requested back in XXXX. today XX/XX/XXXX I Talked to XXXX @ USAA asking for documents again ( she mentioned no request made from before ) she assured me she's putting my request again, I had hopes that USAA analyst or investigator would take a close look at merchant documents sent regarding dispute XXXX but USAA re-review completed XX/XX/XXXX sided with vendor again with no proof of pick up.
Product: Student loan

This is the second complaint I'm filing against Aidvantage after 3-4 messages with customer service. The last complaint I filed I got a call from a customer service agent within a day. I believe I spoke with someone on the phone on XX/XX/XXXX. The customer service agent said they froze the interest that had been accruing daily on my account ( which was never supposed to happen in the first place ) and that they would wipe the interest that had accrued by XX/XX/XXXX. It is XX/XX/XXXX and the interest of {$430.00} is still on my account. On XX/XX/XXXX I got a message that my loans were placed in forbearance over a month after the forbearance started. On XX/XX/XXXX I got a message explaining Interest Accrual and Paying Ahead. I'm not sure why they would send this message when they A ) Never solved the issue of the interest that had accrued on my account while during a 0 % interest forbearance B ) the forbearance detailed in the XX/XX/XXXX message says verbatim, " While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. '' The worst communication and transparency of any company I've ever had to deal with. Everything is a contradiction and communications are contrived to scam individuals out of money.
Product: Checking or savings account

Companies involved - 1. XXXX  XXXX XXXX 2. TD Bank 3. XXXX 4. XXXX XXXX I called each of these companies, reported fraud and closed the accounts.
Product: Money transfer, virtual currency, or money service

Money was transferred from my account to another account that I didnt authorized and when I disputed the transactions they told me my money was able to be recovered cause I had mobile banking and that I should of reported the issue same day cause I noticed the transactions next day and reported it
Product: Debt collection

My name is XXXX XXXX. In XX/XX/XXXX, I was served a document regarding a credit card, which I did not recognize. I contacted the bank listed on the paperwork to inquire, and they informed me that a credit card had been opened in my name, maxed out, and sent to collections. I reached out to the collection agency to dispute this because Im a victim of identity theft. They told me the case had already been forwarded to Mandarich Law Group. I then contacted Mandarich Law Group and explained my situation, and they instructed me to complete an affidavit of identity theft and submit supporting documents. I did so, paying for the mailing, but after following up, they told me the documents I sent were insufficient. I asked what additional information was needed to resolve this and was told I would need to file a police report. This is why the police report is dated in XXXX XXXXsince thats when they told me to do it. 

When I appeared in court on XX/XX/XXXX, the judge asked if I was aware of the credit card account, and I told her no. She also asked if I had received any bank or credit card statements for this account, and I explained I hadnt because Im a victim of identity theft. The judge instructed me to gather witnesses and further documents.

Now, Im preparing for the trial on XX/XX/XXXX, where Ill be representing myself, and I need guidance on how to support my case. I want to know what documents will help me dispute this claim and how I can prove my innocence. Additionally, I would like information on filing a motion to dismisswhether its a letter or something I say in court. I should also mention that back in XXXX, I saw this credit card on my credit report and disputed it with XXXX. At the time, the collection agency was listed under a different name, XXXX, before it was sold to XXXX XXXX, which is now involved in the case.