23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2020 @ XXXX I called XXXX @ XXXX to get the automated customer service center to check my savings account transactions. I've been expecting a large sum of money and wanted to find out if it was deposited or not. When I went threw all the prompts including my access code/pin # it kept coming up incorrect. I called again and waited for a Rep. I was told that a new system was imposed a few months ago and that I had to set my pin again. She said in order to do so I had to use the first two numbers of my birth month and the first two numbers of my birth year to get into the system and then I can use my old number if it was within the guidelines which it was. I called again and did as instructed and it didn't work again. I called back again and had to wait approx. 15 minutes to talk to a Rep. He said that because it didn't work I needed to speak to a Tech who would correct the problem and that  someone would call me back. I asked how long and was told by XXXX closing time. No one ever called back and I need to know if the money was or wasn't deposited so I can go back to that company with a possible complaint. I was on the phone over a half hour and accomplished nothing. I told them I was seriously considering transferring my account elsewhere. This is not the first problem I've had with them. call ended XXXX
Product: Debt collection

This debt has been charged off and reported to the IRS as loss income however, I have not received a 1099-C form, which is considered fraud. Furthermore, I requested the original signed account agreement which XXXX XXXX does not have. Therefore, they can not substantiate this alleged debt, which they are reporting to the credit reporting bureau as being in collections, leaving an adverse remark on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood.As Defined by The IRS. Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inBy Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate!
Product: Checking or savings account

on XX/XX/2023 my account with current was closed for " suspected fraudulent '' activity yet no such fraud has occurred and the company after 3 weeks fails to release the now {$330.00} USD that is in the account any and all attempts to get a straight answer results in a ticket being instantly marked as solved with no response as if they are just hoping i go away.
Product: Credit reporting or other personal consumer reports

XXXX XXXX TYPE : auto financing companies
INQUIRY DATE: XXXX XXXX XXXX XXXX XXXX XXXX XXXX
TYPE : Auto financing companies
INQUIRY DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
TYPE : Auto financing companies
INQUIRY DATE: XXXX XXXX XXXX
TYPE : Auto financing companies
INQUIRY DATE : XXXX XXXX XXXX XXXX
TYPE : Automobile dealers,new
INQUIRY DATE : XXXX XXXX XXXX  TYPE: Automobile dealers, used
INQUIRY DATE : XXXX XXXX XXXXXXXX
TYPE : Automobile dealers, used
INQUIRY DATE : XXXX XXXX XXXX  TYPE : Automobile dealers , used
INQUIRY DATE : XXXX XXXX XXXX XXXX XXXXXXXX
TYPE : Credit unions
INQUIRY DATE : XXXX XXXX XXXX XXXX  TYPE : Finance companies-non specific
INQUIRY DATE : XXXX
Product: Credit reporting or other personal consumer reports

To whom you make concern I have contacted ALL companies : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told. 
That these accounts were removed from my credit report.Because they are fraudulent accounts.I have not given no one.My personal information nor have I signed up for anything online. I am a victim of identity fraud. 

XXXX : XXXX : XXXX XXXX XXXX, 2024 INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX, 2024 INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2024
Product: Credit reporting

I have contacted Equifax on XXXX occasions asking them to correct the information contained in my report. My XXXX XXXX account was discharged in Chapter XXXX Bankruptcy XXXX XXXX. On my first dispute # XXXX on XXXX/XXXX/XXXX, I submitted my complaint via certified mail and I included my bankruptcy case/file information. The response that I received back was that my account was " verified '' and nothing was changed on my report. I called on XXXX/XXXX/XXXX and spoke to " XXXX '' dispute # XXXX. Again I explained that the account was discharged in bankruptcy and provided the information again. She spent more time on the phone trying to get me to sign up for the Equifax.com for 17 dollars a month, than addressing my dispute.The response to the XXXX complaint was " updated to show Included in bankruptcy ''. My credit file still reflected reported dates nearly 4 years after the bankruptcy discharge. I called again XXXX/XXXX/XXXX and filed a XXXX dispute # XXXX. I explained again to " XXXX '' that this account was discharged in bankruptcy in XXXX XXXX, that no account history should be reflected after discharge, account should have been deleted from credit file in XXXX of XXXX, and that the re-aging of my account is incorrect and unfair. The response to my XXXX dispute was to change the account to " Discharged in Bankruptcy '' and the Date of XXXX Delinquency remains XXXX. I feel that all three of my disputes were not investigated fully and if it had been the information would have been deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these items were fraudulently opened or conducted in my name without my authorization. 
The fraudulent accounts and inquiries are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX hours stating the account 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. These are the accounts I marked inaccurate XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notify all 3 credit bureaus to dispute information on my report I specifically state to them I am disable and receive government assistance meaning XXXX and XXXX so I shouldn't have a bill. They would delete the account and then put it back on my report or they would state its verified as mines.
Product: Bank account or service

Periodically TD bank does not email me nor do they send me a paper statement when my credit card account is due. It happens every three to four months. I call immediately and pay over the phone. I requested both forms of notification from them so this does not happen. I also have my checking account with this bank for many years. They tell me that they will waive the late fee and adjust my account well this month it did not happen so again I have to call them and complain. They give me idiotic excuses. I am tired of this and I seem to think it 's a scam to produce more revenue. If they are doing this to other people that can add to XXXX of dollars. I have other credit cards and I am at 100 % of paying my debt on time. Please .... I am so tired of this and I do n't want to switch banks because they are convenient and I have been with them for years. I am a XXXX year old women who works hard for her money and I will be XXXX if I let them get away with this over and over again. absolutely no problems with any of my other creditors and it 's a card with only {$1000.00} on it. I also have direct deposit with this bank. 
Thank You, XXXX XXXX XXXX Home XXXX Work
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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: Credit reporting, credit repair services, or other personal consumer reports

Over the past several months I have made complaints to XXXX and Carrington Mortgage Company that I am not getting a credit report regarding my mortgage that I have had since XXXX. My credit history is showing up on XXXX and XXXX but not on XXXX. Each entity is blaming the other one. 

XXXX says that they are not getting data from Carrington. Carrington has responded to CFPB that they are providing the data and they provided proof. The letter is from XXXX XXXX and proof that they are reporting. 

I called to speak with XXXX on XX/XX/XXXX. He referred to his supervisor, XXXX XXXX who has escalated my complaint to get to a resolution. I called XXXX and got a report and Carrington is NOT on it. I sent it to XXXX who has acknowledged that their trade line is not listed. He has promised to find out what is wrong. 

TODAY, XX/XX/XXXX, I learned from lead supervisor XXXX XXXX that he spoke with XXXX XXXX XXXX XXXX, in the Data Reporting Team Dispute # XXXX. XXXX, according to XXXX, sent him an email saying that XXXX had purged my account from XXXX 's database which is a direct contradiction to XXXX 's response dated XX/XX/XXXX. This does not make sense. I did not ask to have my file purged and Carrington said they did not ask to have their trade line purged from my account. 

I want a credit report from Carrington Mortgage on my XXXX XXXX. I want them both to resolve the problem rather than going back and forth blaming each other. I am getting terrible and dishonest service. There needs to be a resolution. I WANT A CREDIT REPORT. I should not have to get an attorney or file a discrimination complaint with the Ohio Attorney General 's Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. In XXXX I noticed my credit score dropping and discovered that an account I did not know about was in default. In XXXX of XXXX someone named XXXX XXXX with a Georgia address, apparently opened a XXXX credit card account using my identity. They charged {$470.00} to the card which then was closed in XX/XX/XXXX with an outstanding amount of {$700.00}. 

I immediately filed a police report with my local XXXX, Oregon Police ( Case # XXXX ) and filled an Identity Theft Report with the FTC ( XXXX # XXXX ). I reported the incident to XXXX and Equifax and I notified XXXX. 

XXXX has removed the account from my report as of XX/XX/XXXX. 

However XXXX has failed to remove the information from my credit report. I disputed it in XXXX and again in XXXX of XXXX, providing the FTC report and Police report, but XXXX says that when they contacted XXXX, XXXX says the charges are valid. 

I am unable to reach XXXX. I tried again today and they just gave me the Identitytheft.gov website and phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to dispute the accuracy of the information on my credit report regarding a fraudulent account. XXXX XXXX  Reported : XXXX XXXX, 2022 + {$110.00} Closed XXXX Reported XXXX XXXX XXXX, 2022 + {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, 2022 + {$610.00} Closed XXXX XXXX XXXX XXXX XXXX is appearing on my credit report, but I have never opened an account with these bank. 

This error violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), and the Electronic Fund Transfer Act ( EFTA ). The FCRA requires that credit reporting agencies and furnishers of credit information ensure the accuracy and integrity of credit reports. The FCBA requires creditors to promptly investigate and correct billing errors upon notification. The EFTA provides protections for consumers regarding electronic fund transfers. 

I am extremely concerned about this matter, as it is causing significant harm to my credit score and financial wellbeing. This is unacceptable, as it violates my rights under federal law and puts me at a significant disadvantage in obtaining credit on favorable terms. 

I have tried to resolve this issue with all of them to no avail, and I have also filed a police report regarding this fraudulent account. I have attached copies of the police report and any other relevant documentation to this complaint. 

I am requesting that you take immediate action to investigate this fraudulent account and work with the credit reporting agency to have it removed from my credit report as soon as possible, as required by the FCRA and CFPB regulations. This account is causing significant damage to my credit score and making it difficult for me to obtain credit at favorable rates. 

I am counting on your assistance in resolving this issue quickly and efficiently. As a consumer, I have the right to expect that my credit report is accurate and complete, and I expect the CFPB to vigorously enforce federal laws to protect consumers from such fraudulent activities. 

Please let me know if you require any further information from me. 

Sincerely, XXXX XXXX ]
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your immediate attention the presence of fraudulent accounts on my credit report. I recently obtained a copy of my credit report from your agency and was shocked to discover inaccurate and unauthorized information that is severely impacting my creditworthiness. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. XXXX very confused why this one seems to ignore my requests. 
Upon thorough examination, I have identified the following fraudulent accounts : 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 I categorically deny any XXXX with the aforementioned accounts, and I request an immediate and aggressive investigation into the matter. I understand that the Fair Credit Reporting Act ( FCRA ) mandates the timely correction of inaccuracies on consumer credit reports, and I expect your bureau to adhere to these regulations with utmost urgency. 
I am fully aware of my rights as a consumer, and I am prepared to take further legal action if my concerns are not addressed promptly. Please treat this matter with the utmost urgency to prevent any further damage to my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received notification from my credit monitoring agency XXXX XXXXXXXX XXXX XXXX, there was an inquiry reporting to my XXXX  credit file XX/XX/2020. A fraud investigator from my credit monitoring agency assisted by calling Synchrony/ PayPal to have the account and inquiry marked as fraud. 
The account was removed like committed but inquiry is still listed on my credit. 

After 120 days a dispute letter detailing that included a copy of my Social Security card, Copy of Driver license, and Copy of Utility Bill ( proof of Identity ) were mailed. 

On three separate occasions this has been mailed. 
Dates Mailed : XX/XX/2020 XX/XX/2020 XX/XX/2020 All three Letters have shown they were delivered to correct Address for XXXX. 
Unfortunately there is no way to communicate with PayPal at the moment. 
With the help of my credit monitoring agency, we have attempted to speak to someone calling numerous numbers and have not been successful. 

It has been 277 days and inquiry still remains on credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/19, I saw a posting on XXXX for tickets. I've purchased tickets through XXXX a million times so I was not too concerned. 

I sent money through my XXXX app for {$90.00} and received only silence. I had no idea that my bank would not cover something they endorsed and provided through their sanctioned online application. 

I did not receive my tickets and the bank refused to refute the transaction or give me my money back. I made two calls to XXXX explaining the situation. They said there are no consumer protections. I called XXXX. XXXX could see the account but also that there was no way to stop the transaction. 

The companies involved are XXXX and XXXX, and Bank of America, through the XXXX app. 

The scammer using the XXXX XXXX XXXX was a Bank of America customer.
Product: Vehicle loan or lease

I never gave SANTANDER permission to pull my report on the date of XXXX they validated my rights as a consumer under the FAIR CREDIT REPORTING ACT.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> I attempted to verify my true identity information and ensure a continued credit freeze & fraud alert. The website locked me out. Suspended my access. When contacting support, the agent ( or XXXX ) insisted I had to login to my account ; but TransUnion locked me out of the account. Each time I called, I was put on hold and the call was quickly disconnected. 
I have to report a data breach and continue my credit freezes and fraud alerts. However, my VERY EXPENSIVE True Identity program through Trans Union is refusing my access to the account AND, they sent an email claiming they will not be offering the credit freezes. I have to resubmit information to continue protection. 
TransUnion is an impossible, irresponsible agency that has opened me up to liabilities, despite my paid enrollment in their true identity monitoring program.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, Equifax signed and received a certified letter from me through us mail, I asked Equifax for a Method of Verification the 15 days allowed has passed. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give you method of verification within 15 days of your request. This should be hard evidence that goes all the way back to the original creditor. Equifax is in violation with the FCRA I am requesting the items be deleted based on the credit bureaus lack of compliance with the method of verification. Equifax confirmation dated XX/XX/2019,
Product: Debt collection

XXXX initially signed me up before they opened, it was around XXXX. They were supposed to open in XXXX, THEY NEVER DID. I was told they needed my credit card information for their records, just in case I broke equipment or things of that nature. They advised I would have a fee of {$10.00} and an initial fee, which I could come in and pay. I attended for about a month, they NEVER CHARGED ME, I inquired why not, they advised they would charge me in XXXX that my credit card would n't be charged I could come in and pay it. Low in behold I moved, I never received notice of when they would charge my charge, something was wrong with their email, it was really new and they were still building the facility, in the meantime we could use a smaller facility. I ended up moving. I received a call in XXXX from a collection agency that stated that I owed money to the establishment. I advised they were to cancel the service that I did n't know they were billing me for and remove the balance. I am sure they are supposed to notify you of any late fees, and billing me. I got nothing but a phone call that stated I owed XXXX dollars. I contacted XXXX XXXX, who acted like I was lying and decided that even though I did n't know it was a recurring charge billed to a card I reported lost, that I was still obligated to pay. I advised I emailed mailed them to cancel the contract. He advised that they do n't accept emails. According to the contract, any written notice is sufficient. IT DOES NOT SPECIFY A LETTER. I refuse to pay for services that I never received. The balance last that I heard I allegedly owed {$220.00}. XXXX offered to refund {$45.00} dollars for late fees. I declined because had I known they were charging me, IF NEVER WOULD HAVE BEEN LATE. I ADVISED YOUR REPRESENTATIVE FROM THE BEGINNING I DID NOT WANT ME CARD CHARGED THAT I WOULD COME IN AND PAY, IT IS NOT MY FAULT YOU CA N'T ESTABLISH WHEN EXACTLY YOU WOULD BE PREPARED TO CHARGE ME. The monies paid to your company were taken under false pretenses. False pretense is legal defined as follows : Under common law, a defendant commits the crime of false pretenses when by making an intentional statement with intent to defraud the victim he obtains title to the personal property and or monies of the victim. Under common law, collusion is an agreement between XXXX or more parties, sometimes illegal and therefore secretive, to limit open competition by deceiving, misleading, or defrauding others of their legal rights, or to obtain an objective forbidden by law typically by defrauding or gaining an unfair market advantage. Collusion and fraud of every kind, impair all acts which are a part of them, and render them void! Consider our contract voided. This has got to be illegal, please investigate XXXX XXXX XXXX XXXX, XXXX XXXX Florida. This has got to be some unethical business practice. I demand a full refund, you representative gave me misleading information, had I known the truth I never would have agree to sign up.
Product: Credit card or prepaid card

On XX/XX/XXXX Care Credit sent ( without my request ) a new credit card in the mail and the information with it said " here is your new card, please activate before using '' as any other normal credit card would be reissued. 

1 week later, my credit score went down as a result of that transaction. What in fact happened was Care Credit closed my old card and the account associated with it and opened a brand new credit line in my name through mastercard and its reporting as a brand new account. Both of these factors, the cancelled account and the age of the new account negatively affected my credit. 

I called them and they have filed a correction but continue to claim they are " pretty sure '' it wasn't supposed to effect my credit. 

They are predatory as a business and if I didn't have the time or means to investigate like much of there customers do not, I would be dissuaded to do anything about this affecting my credit. They should be put out of business.