23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a victim of identity theft I have addresses that are not associated with my name as well as debt that's not mine. I will attach a copy of my identity theft report. The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit repor I request a thorough investigation into these inaccuracies.

15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. kindly request that you investigate the accuracy of the names and addresses associated with my credit repor
t, remove the inaccurate accounts, and provide me with a free copy of my updated credit report Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter I would like all items deleted.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my continued frustration and dissatisfaction with the unresolved issue concerning the late open account entry on my credit report, despite multiple attempts to correct this discrepancy. As detailed in my initial complaint, I reported an inaccuracy in my credit report concerning the late opening of an accounts. Despite my efforts and your acknowledgment of the issue, the problem persists, adversely affecting my creditworthiness. I submitted a follow-up dispute, providing additional documentation and clarification to support my claim. Regrettably, subsequent to this second attempt, the late open account remains on my credit report, and I have yet to receive a satisfactory resolution to this matter. I understand that the credit reporting process involves careful investigation, and I appreciate the importance of accuracy in credit reporting. However, the prolonged presence of this erroneous information is causing undue stress and negatively impacting my financial standing. I urge you to expedite the resolution of this matter by conducting a thorough and timely investigation into the late open account entry on my credit report. It is my expectation that all necessary measures will be taken to rectify this situation promptly, ensuring the accurate representation of my credit history. I request your immediate attention to this matter and insist on receiving clear communication regarding the steps being taken to address this issue. As a responsible consumer, I have consistently provided the required information to facilitate a comprehensive investigation, and I expect the same diligence from XXXX Credit Bureaus. Please keep me informed of the progress made in this investigation and provide a specific timeline for the removal of the late open account from my credit report. I believe that prompt action on your part will help restore the accuracy of my credit information and prevent any further negative impact on my financial well-being. I am asking for your assistance to correct thIs late open account in my credit file XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, 2022 Balance : {$10000.00}.
Product: Credit reporting or other personal consumer reports

I sent XXXX separate letters on XX/XX/2023 and XX/XX/2023 advising of incorrect information to be removed with accounts that were inaccurately reporting. I asked for proof of those alleged accounts with my wet signature and if they were unable to do that, to please remove that misleading information from my account. The company sent a letter saying it was verified, with no proof, and they can not reinvestigate.
Product: Credit card

The monthly statment from my credit card company comes in an extremely plain, nondescript envelope without any marking or indication whom the letter is from. The envelope merely says " your statment enclosed. '' The return address is an ambiguous XXXX XXXX . The back it says to visit the website but does not say which website. This seems like it is a practice intended to cause the statement to be confused with junk mail and thrown away causing consumers to miss their payments. This is wrong.
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 : Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax, I am writing to formally dispute the inaccurate and unauthorized reporting of my account ( s ) on my credit report. Under multiple federal statutes, including the XXXX XXXX ( 15 U.S.C. 6801 & 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and XXXX XXXX XXXX ( 18 U.S.C. 1028A ), you are legally obligated to protect my personal and financial information and ensure that my data is not misused, shared, or reported unlawfully. 
Violations of Federal Laws 1. 15 U.S.C. 6801 & 6802 ( XXXXXXXX XXXX ) o You are required to safeguard my nonpublic personal information ( NPI ) and ensure that it is not shared or misused without my explicit consent. 
o Any reporting of my financial information without my consent constitutes a violation of federal privacy standards.

2. 15 U.S.C. 1681b ( 2 ) ( Fair Credit Reporting Act Permissible Purpose Requirement ) o You must have my direct written consent to access or report my credit information.

o If you obtained or shared my information without this consent, you are in violation of this statute.

3. 18 U.S.C. 1028A ( Aggravated Identity Theft ) o Reporting or using my personal financial information without legal authorization may be considered identity theft under federal law, punishable by criminal penalties.

4. 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) o If my information was accessed, reported, or used without my knowledge or under false pretenses, this is a direct violation and may result in legal liability.

5. 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) o Willfully reporting false, misleading, or inaccurate information subjects you to civil liability, including damages, attorney fees, and punitive damages.

6. 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) o I demand the immediate blocking and deletion of any fraudulent or inaccurate information on my credit report, as required by law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

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

IVE BEEN A VICTIM OF IDENTITY THEFT SOMEONE WHO STOLEN MY IDENTITY APPLIED FOR CREDIT CARDS THAT IVE NEVER AUTHORIZED IVE REPORTED THIS TO THE FEDERAL TRADE COMISSION AND I DID A POLICE REPORT AND THE FRAUDULENT INQUIRY ARE LISTED BELOW XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX  Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I learned that a bank account was opened at XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX ) using my personal information. I did not authorize this account to be opened and came to learn ofsame after being denied a savings account. Upon receipt of myChexsystems report in XX/XX/XXXX, I immediately disputed same on the basis of fraudulent and requested the negative reporting information be removed from Chexsystems. I continued to make attempts to contact the XXXX XXXX XXXX in an effort to have the information removed but was unsuccessful. I continued to advise the bank that i did not open this account.After filing a fraud identity report with the FTC, I forwarded acopy of same to the bank evidencing fraudulent activity, again requesting the false information be removed. I have had toplace security freezes and fraud alerts on my credit report. In the alternative, I also requested, should the bank maintain thatthis account was valid, albeit false, that they provide theappropriate documents to verify this. To date, I still have notreceived any information from the bank verifying the accuracy of this account and I continue to maintain that this was a fraudulently acquired account opened by someone who usedmy personal information without my consent. On XX/XX/XXXX, after being denied for another bank account, I received aChexSystems report indicating that this institution continuedto report negative information. I again disputed the informationon the basis of fraud I requested any documentation that the bank believed would verify the accuracy of the of the account.As of this date I have not received one document. On XX/XX/XXXX I received a third Chexsystems report after continuing tobe denied for a bank account, except this time denied at a local credit union. This institution continues to report account abuse despite the fact that it is false and is a clear violation ofthe FRCA which requires them to accurately reportinformation, and correct and remove any inaccurate information. The FRCA also requires this institution to verify, with proper documentation, within 30 days. Thereafter should this institution be fail to do same, the inaccurate and negative information must be removed. It is now almost 2 years sincethe date that this was first reported and this institution has notprovided one single document to prove or verify the accuracy of this account. The negative reporting information hasinhibited me from getting a bank account and I am facingsevere financial hardship that is affecting my ability to afford my rent. I did not perform any fraudulent activityrather this institution allowed another individual to open an account withmy information and now is holding me accountable for others wrongdoing. I dont know what else to do to get this false and inaccurate information removed from my report. I have beendisputing this for almost two years. I am desperately seekingyour help as I have exhausted all of my options.
Product: Debt collection

This account has been removed twice from my credit report and the company calls all times of day, after I tell them it was supposed to be removed.
Product: Debt collection

Receive phone calls on my mobile phone daily. I am usually unable to answer the calls, and there are no voicemessages left, so I am unable to call back. They also called my work, which is unacceptable. I work at a store and am not allowed to receive personal calls, I have never given out my work phone number, and I want them to stop calling my work before I get in trouble with management and my job is in danger.
Product: Payday loan

I borrowed {$500.00} on XX/XX/2016 from Rosebud Lending XXXX DBA XXXX XXXX SD XXXX ( XXXX ) with an option to pay installments in the amount {$110.00} on the initial installment due XX/XX/2016 and {$140.00} due on XX/XX/2016. I called on XX/XX/2016 to make a payment for the loan agreement amt @ {$110.00} and was charged {$130.00}. On.Thursday XX/XX/2016, I called to make a second installment payment as per the agreement @ {$140.00} and the rep kept trying to take {$230.00}. I told her that my contract states a payment in the amount of {$140.00} was and she took that payment for the amount of {$140.00} On XX/XX/2016 this company drafted an additional unauthorized amount of {$230.00} from my account. I do n't know what that amount is and there is nothing stated on my contract for that amount.
Product: Checking or savings account

The Bank M & T has cheated me out of a {$250.00} bonus offer as advertised on line. I opened a checking account and setup a direct deposit as required. The balance in the account is now over {$6000.00}! When I inquired as to when the bonus would be paid was told I am not eligible. Now they are telling me the wrong account was opened. I applied for the bank 's EZ Choice checking account.
The bank opened a Classic Checking Account with interest account.
Now, they tell me the bonus offer WILL NOT be paid. Instead, they paid me an interest payment of just {$0.00}!
Product: Debt collection

The XXXX at XXXX is attempting to collect a fee from me as a co-signer on a XXXX apartment rented by my daughter from XX/XX/XXXX- XX/XX/XXXX. The company is claiming {$34.00} in service fees for trash not removed from an exterior apartment trash can at the time of move out, as well as a scratched leather surface on a couch. The exterior trash in question was located in a common area, and was not from myself or my daughter ( co-signee ). Additionally, the scratch on the leather couch was already on the furniture prior to move in, and was annotated on the move in checklist at that time. Additionally, the XXXX at XXXX had the option to deduct this {$34.00} fee from the security deposit provided, but failed to do so. I have communicated this to both the XXXX a XXXX, as well as their subsequent debt collection agency ( Columbia Debt Recovery ). This collection effort appears to be an attempt to collect small amounts of payment from otherwise unknowing college students, in an effort to maximize profits.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account / inquiry is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

This dispute involves a bank. Citibank, that failed to properly handle a dispute. 

On XX/XX/XXXX, I placed an order online with a business called XXXX The company sent me a used product and tred to claim I damaged it and returned it. 

Pursuant to the Fair Credit Billing Act that requires I first make a good-faith effort to resolve the issue with the merchant, I phoned XXXX on XX/XX/XXXX and spoke to XXXX to get an explanation as to what they were talking about. XXXX just kept telling the same old tired lie that I received the wig, and in just a few hours I intentionally damaged it with a pair of scissors and then returned it the very next morning. This story is outrageous. 

This business is engaged in unfair and deceptive practices, or consumer fraud with MANY customers also claiming they received used goods. 

On XX/XX/XXXX, I submitted a dispute to Citibank via email. I attached complete supporting information. On XX/XX/XXXX, I received a message from Citi asking for info I had already provided and focusing on a return of the merchandise which was not my issue at all. It appears that Citi may be using some kind of bots to handle disputes. Regardless, on XXXX, XXXX, I again provided the information to Citi and sent it via XXXX XXXX Mail. Citi received it on XX/XX/XXXX. Then, immediately in a letter dated XX/XX/XXXX, Citi said it had investigated the dispute and they were reversing the provisional credit since they had found in the merchants favor. But to the best of my knowledge, the merchant was never contacted as part of the investigation process. 

On XX/XX/XXXX, I sent an appeal of Citis decision via XXXX XXXX Mail to which Citi never acknowledged or responded.
Product: Credit reporting or other personal consumer reports

What Happened?

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit card or prepaid card

I went into XXXX XXXX  to have XXXX XXXXut on rims that i purchased for my new XXXX XXXX that already had tires and rims. Before he even puts the rims on that i purchased from XXXX he charges me {$130.00}. Than he comes back and says we broke one of your sensors so we have to charge you to put new ones and. How is that my fault? As long as you put XXXX sensors in fine he said yes turns out he put {$12.00} XXXX aftermarket sensors in my car that wont read my tires so i have to ride around with a safety message on and no tire message. He than says i have tires on sale that are {$50.00} per tire so it will only cost you XXXX plus the cost of the sensors and i will give you a credit for your current tires and rims. I have two sets of rims the ones that came on my car and the ones I purchased on XXXX so i didnt need the rims. He ended up charging me {$600.00} i didnt understand why he didnt have any receipt paper. The shop was already closed. Got in the car its driving weird the tires are stable and they are really loud he didnt put on the correct tires. Came back the next day to return the tires i asked him why did he lie and why did he steal my spare tire and why did he put the wrong tires on. He said it was late and his guy made a mistake and that he would issue me a refund and charge me for the correct tires. He advised me that they would be 20 inch tires. He never issued me the refund instead he charges me {$430.00} for once again the wrong tire size. I asked him for my tires back he told me know that he can make more money from my new tires and rims than what I have. The police got involved because he refused to return my vehicle. He charged my credit card for two sets of tires and two sets of rims a car can only have one pair of tires and rims. I have tried everything to get discover to issue me a refund due to the deception, the damage to the product and fraudulently misrepresenting prices and giving me the incorrect product i didnt get what I paid for. I was charged multiple times for the same thing. This is theft.This company is shady and a police report was filed. They have {$1100.00} of my money, my brand new tires and rims while i have a damaged vehicle with mix and match tires with faulty sensors. Under the fair credit act discover should have refunded the funds to my account but they are refusing
Product: Mortgage

Wells Fargo customer for XXXX tried refi va loan- loan modification