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

ON XX/XX/2021 I SUBMITTED A LETTER TO EQUIFAX TO VALIDATE SEVERAL INACCURACIES ON MY CREDIT PROFILE THAT WERE SERIOUSLY DAMAGING MY ABILITY TO OBTAIN CREDIT. NOT ONLY DID THEY NOT RESPOND BUT THESE ERRONEOUS ACCOUNTS HAVE REALLY MADE IT HARD TO OBTAIN HOME MORTGAGES, AUTO LOANS, AND LINES OF CREDIT. THERE HAS BEEN NO VALIDATION OR CORRECTION OF THESE ERRORS AT ALL. I UNDERSTAND AS A CONSUMER THAT CREDIT COLLECTION COMPANIES ARE GIVEN THE PRIVELAGE TO REPORT ACCOUNTS AND THAT THEY MUST BE ACCURATE. I HAVE BEEN DISPUTING THESE INACCURACI FOR 7 MONTHS ....
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result 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 XXXX on XX/XX/XXXXXXXX XXXX XXXX  opened on XX/XX/XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, a cell phone accounts opened at XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, a personal loans at XXXX  on XX/XX/XXXX, a account opened at XXXX XXXX XXXX on XX/XX/XXXX and a collections account opened at XXXX XXXX on XXXX/XXXX with a balance of {$470.00}, XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 XXXX 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

Good evening, I was pre approved for Chase sapphire credit card. Once I confirmed to open the account, I realized that my credit score went down because I had credit inquiry. I called Chase, asking- can you please close the account and remove credit inquiry as I didnt know it will happen. He said I can close your account but can not remove inquiry. I said well that is not the point never mind. He sad ok. End of the call. I went to check my account again and I saw he closed my account! And my score went down even more! Chase told me they can not fix his mistake and I have to contact you! Please remove my credit impact for todays date.
Product: Debt collection

During the refinancing of my home I was made aware of a debt that was outstanding. they called to get the amount that was owed by me to national Credit adjust. After being given the amount due a check was cut to satisfy the debt. I made repeated calls to get the address of where to send the Check and got nowhere. XXXX XXXX would not return my calls and when he did would not provide me any info on what the debt was from or what my information he had about me in file. He said I should pay it and i was lucky that he does n't have it sent to his legal department. I called back again a week ago with my loan officer and left word. He again did not call us back. We called again today and he said the balance due was now XXXX higher that it was when we contacted them initially. He would not honor the payoff amount and would not provide any documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed inquires on my credit report I did not approve or agreed. I then set a letter to the XXXX, equifax, XXXX XXXXXXXX  to get these removed per the Fair Credit Act. After waiting more than a month I got a letter saying nothing could be done.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. Also all inaccurate addresses and names that I have shown on my dispute letter. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I never asked or received a loan from this company. They sent a wage assignment document to my workplace stating that they want to garnish my wages. Theres been no court case filed against me that XXXX aware of and they can not take my wages even if I dont dispute the validity of this loan. Please tell them to stop these illegal attempts to take money out of my wages or embarrass me through my workplace in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX, 2021, New American Funding ran my credit without my consent and permission, it was a hard inquiry.
Product: Credit reporting or other personal consumer reports

correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, California XXXX Social Security Number : XXXX Date of Birth : XX/XX/year>XXXX  To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Debt collection

The original creditor discharged the debt receiving a tax credit. A 1099c has repeatedly been requested. The sale of this account was illegal as XXXX XXXX XXXX  and I have no legal contracts and Ive given no authorization for the sale of my information. XXXX XXXX XXXX  has been notified on multiple accounts of this and they continue to harass via text, phone and email after being told to cease and desist. They are not legally authorized by me for this account.
Product: Vehicle loan or lease

Over the past few days there has been violations of The Federal Equal Credit Opportunity Act which specifically prohibits a creditor from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided that the applicant has the capacity to enter into a binding a contact ) because all or part of the applicants income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. 

I have been contacted, harassed, intimidated, withheld my right to login into my Santander Account on http : //myaccount.santanderconsumerusa.com/ on Friday, XX/XX/2023, and then was called at XXXX XXXX. ( CT ) today, Sunday XX/XX/2023 while I was literally in Church. Worst of all, the intimidation, targeting, harassing phone calls etc. have actually happened after my phone call made XX/XX/2023, in which I mentioned my faith and that I had even prayed about the decision. Since that time I have been harassed multiple times and intimidated by Santander. Again, this is after I had mentioned my Faith and prayed about the decision XX/XX/2023 to Santander. 
This is in direct violation of The Federal Equal Credit Opportunity Act and is intentional and deliberate by Santander, Consumer Financial Protection Bureau. Please take authoritative, prosecutorial, and protective action immediately! I have rights.This is illegal, and it is predatory Consumer Financial Protection Bureau. I am afraid because I am a minority, and being bullied and exploited by my creditor because I mentioned my faith Consumer Financial Protection Bureau. I beg you to protect me and help; please.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$680.00} XXXX  XXXX Balance Owed : {$680.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for a credit in my name from Capital One XXXX. I called immediately to report this as fraud and FYI credit bureaus have it documented that my fraudelent for my credit report. I have called more than 3 dozens times for Capital One and XXXX to have this corrected and they will not done this. I have sent the documentation that they were wanting not once, not twice but 3 times and this situation still in not corrected. I have filed disputes with XXXX and they open it open and closed with this no explanation on why. I have talk to supervisors to get this corrected and nothing. I had this happen 2 times on XXXX and XXXX just in the last 2 weeks XXXX   remove the Hard Inquiry for XXXX but not for XXXX. I have been working on this almost a year nothing. I have contacted my attorney. My husband and I are trying to refinance on our house and have been working on this since XXXX of last year and cant get a loan because of this 2 hard inquiries.
Product: Money transfer, virtual currency, or money service

Opened a new Checking/Savings account at Golden 1 Credit Union - and tried to submit my first ever check via mobile deposit. Was then informed that due to the nature of my account ( brand new ) that there would be a 9-DAY business hold on the full availability of my funds. I then asked CS if there was a way to expedite the process ; they answer was no. I then asked if the process could be cancelled ; they said no. Then finally, after not even having my account open for a full 30 days, I asked if I were to CLOSE my account would the funds then be available - and to no surprise, I was told no. With little to no access to my funds, Im sure the blanks can be filled in.
Product: Debt collection

XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Date : XX/XX/year> Radius Global Solutions LLC [ Insert their mailing address from your collection notice ] Subject : Request for Debt Validation under the Fair Debt Collection Practices Act ( FDCPA ) To Whom It May Concern : I am writing to formally request validation of a debt in the amount of {$920.00} that your company claims I owe and which has been reported to the credit bureaus. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
As the debt is listed as being with Radius Global Solutions LLC, I respectfully ask that you provide the following information to validate this debt : 1. The name and address of the original creditor ; 2. The original amount of the debt ; 3. An itemized accounting of how the current amount was calculated ; 4. Proof that your agency is authorized to collect on this debt ; 5. A copy of any judgment, if applicable ; 6. A copy of the signed agreement or contract creating the obligation to repay. 

Until this information is provided, I request that all collection activities cease, and that this debt is not reported to any credit reporting agencies, or if it has already been reported, that it be marked as in dispute. 

This letter is not a refusal to pay, but a request for validation. If you are unable to provide the documentation requested, you are required to cease collection activities and remove the account from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I requested a copy of my online application used to get this credit card XX/XX/2016. 
Did not receive it. 
I would like a copy of my online application used to get this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$6600.00} ; XXXX XXXXXXXX XXXX Balance : {$2300.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$58000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$11000.00}.
Product: Credit card or prepaid card

On XX/XX/2018, I received a text message about my Bank of America credit card alerting me that there had been 2 very large purchases made with my card, for over {$6000.00}. I called immediately to assure them that it was NOT me who made the purchases, and to file a fraud claim. they resolved the matter immediately, cancelled my card and reissued it with different numbers, of course. 

As i was paying my bill on XX/XX/XXXX, I noticed another charge that I did not make, to XXXX. I called and was told that, yes, a charge for {$7.00} to XXXX and another charge of {$49.00} was posted to my NEW card. Again, I called and made a fraud charge, and was given the phone number to XXXX to contact them. When I spoke with the rep from XXXX, he told me that I had a subscription ... .I assured him I did NOT, and told him about the previous month '' s troubles. He asked if my email was XXXX ... IT IS NOT!!! At that point, he told me he would credit my account and send me a cancellation letter ( for an account I never opened!! ) The problem is that my new credit card number was used and I have NEVER used it! It sits in my desk drawer! HOW DID SOMEONE GAIN ACCESS TO THS NEW CARD WHEN IT IS IN MY DESK??? This must come from Bank o f America! 

The fraud case is settled and I am not responsible for the charges ... .but who, besides Bank of America has access to this card that was less than 1 month old??
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$74.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my TransUnion credit report made by XXXX XXXX on XX/XX/2022 that I did not authorize. I called XXXX and the rep says there was no activity by XXXX on my account. I asked XXXX to remove the hard inquiry and the said to file a complaint with the FTC or get a police report. The FTC referred me to the CFPB to file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke w XXXX XXXX XX/XX/19 XXXX XXXX cat at TransUnion. Refused to remove unauthorized inquiries from XXXX, XXXX XX/XX/19, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Complaint to the Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/XXXX Subject : Complaint Against XXXX for Furnishing Fraudulent Information Due to Identity Theft Resulting from XXXX XXXX XXXX ( XXXX ) To Whom It May Concern, I am writing to file a formal complaint against XXXX for mishandling my credit report and furnishing fraudulent information as a result of identity theft. I am a victim of identity theft, and my personal information was exposed during the XXXX data breach in XXXX. Despite my efforts to address and resolve this issue, XXXX has continued to allow fraudulent information to appear on my credit report and has failed to follow the legal requirements under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, regarding identity theft. 

Identity Theft Details : My name is XXXX XXXX, and I am the victim of identity theft. The breach of my personal data in the XXXX breach of XXXX exposed sensitive information that was subsequently used by fraudsters to open accounts in my name. As a direct result of this, my credit report from XXXX now contains inaccurate, fraudulent information. 

Violation of FCRA Section 605B : According to Section 605B of the Fair Credit Reporting Act, when a consumer disputes information on their credit report due to identity theft, the credit reporting agency ( XXXX in this case ) is required to remove the fraudulent information within 4 days of receiving the identity theft dispute. Despite notifying XXXX of the fraudulent entries on my credit report, the company has failed to comply with this legal obligation, continuing to report the disputed, inaccurate information and causing me financial harm. 

Request for Immediate Action : I am requesting that the CFPB investigate XXXX for failing to properly handle my identity theft dispute and for allowing fraudulent information to remain on my credit report. The actions of XXXX are in violation of the protections afforded to me under FCRA Section 605B. I am seeking the immediate removal of all fraudulent accounts and information associated with my name from my credit report. 

Additionally, I request that XXXX be held accountable for any damage caused to my credit score, financial reputation, and overall well-being due to the continued presence of this inaccurate information. 

Conclusion : As a victim of identity theft, I am entitled to a prompt resolution under the law, and Experians failure to act appropriately violates my rights. I respectfully ask that the CFPB investigate this matter and ensure that XXXX complies with the legal standards set forth in the FCRA. 

Thank you for your attention to this matter. Please feel free to contact me should you require any additional information or documentation regarding this complaint. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I am writing to formally lodge a complaint regarding a series of mishandled transactions and lack of resolution on my Betterment checking account. The details of my concerns are as follows : On XX/XX/year>, I received an email abruptly terminating my client agreement with Betterment, citing that your platform and services were deemed not suitable for my needs. At that time, my account balance was {$15000.00}. 

Subsequently, on XX/XX/year>, I received a request to upload a valid U.S. government-issued photo ID due to the large dollar amount in my account. I complied promptly. 

On XX/XX/year>, I was informed via email that XXXX had determined deposits from XXXX into my account were fraudulent and were being recalled by the card processor. Consequently, my account was locked to prevent a negative balance until the funds were recalled. 

Despite my assurance and evidence that the transactions with XXXX were legitimateI had booked and subsequently canceled ticketsthe account remained locked. 

On XX/XX/year>, I discovered a debit transaction dated XX/XX/year>, labeled " Internal to Program Reserve, Debit to offset Issuer Dispute XXXX Returns '' with a withdrawal of {$15000.00}. This transaction occurred without my authorization or notification, further exacerbating the situation. 

Despite numerous attempts to seek clarification and resolution from Betterment, including providing evidence from XXXX confirming the legitimacy of the transactions, I have received no satisfactory response or action. 

This sequence of events has caused me significant distress and financial inconvenience. Betterment 's handling of my account and the subsequent unauthorized debit have not only affected my trust in your services but have also impacted my financial stability.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform l, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations!
Product: Debt collection

I originally receive a letter of pending wage garnishment from ECMC, providing instructions on how to request a hearing and submit information on how a garnishment of XXXX % would cause a financial hardship. I sent a letter stating my financial case and requesting a hearing/review within the allotted time. No contact from the company. The next communication I received was from my employer with a copy of an order of wage garnishment from another company called XXXX XXXX XXXX. I was never given the hearing or review that I requested.