23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This company verve card has been charging me for a credit card account that I had closed a long time ago for fraud and the high interest rate they were charging me. they are reporting a negative in my credit profile and i am a XXXX veteran that doesnt play with my credit rating. I had some hardtimes and at present, I am trying to get back on my feet and this company is taking advantage of me. This company is a fraud and they charged me {$100.00} before I had the card ad they said that they would of reimbursed it to me and they never did. So you see they are horrible and taking advantages of people.
Product: Vehicle loan or lease

I filed a complaint with the XXXX & in CARVANA response they lied & unfortunately I couldn't respond in full because in the limited amounts of letters that I could use. The following is my complaint, furthermore CARVANA states that my XXXX CREDIT SCORE is OVER XXXX LESS POINTS THAN WHAT IT ACTUALLY IS. 

I started with selling my car & at the end of the process I was told that I had to drive 9 1/2 hours for CARVANA to pick up my vehicle, AT NOT TIME during the selling process did it clearly state on the website or when I spoke to NUMEROUS representative that I needed to meet CARVANA in XXXX XXXX, ID. When trying to purchase a vehicle it was an experience I wouldn't wish on my worst XXXX. I spent approximately 10+ hours on the phone & 3 hours texting in a 7 day period. I asked to speak to a SUPERVISOR 7 TIMES & was denied 7 TIMES. I was told in that same 7 day period by 5 different representative 's that they were going to call me back & never did. The final straw was when a representative ( her name started with a V ) STATED " I WILL CALL YOU TOMORROW MORNING & HELP YOU FINISH TRADING YOUR VEHICLE & PURCHASING THE XXXX XXXX ''. I waited all morning, afternoon, & night & she never called. Customer service was terrible & unprofessional. Do business in your community.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of adverse accounts below reported inaccurate information and has violated my Federally Protected by U.S. Congress consumer rights to Privacy and Confidentiality Under the Fair Credit Reporting Act and 15 U.S. Code 1681 Adverse Accounts List- ( 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  ( reporting 2 different accounts remove immediately ) 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 15 U.S. Code 1681.- Congressional Findings and Statement Purpose ( a ) Accuracy and Fairness of Credit Reporting ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave RESPONSIBILITIES with FAIRNESS , IMAPARCIALITY, and a RESPECT for the CONSUMER 'S RIGHT TO PRIVACY. 
( Which in this case the consumer is I, XXXX XXXX XXXX XXXX who has a right to Privacy of my information Under the Law and all accounts listed above I demand to have removed from my credit report ) 15 U.S. Code 1681b.- Permissible purpose of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances AND NO OTHER. 
( 2 ) In accordance with the written instructions of the consumer to WHOM IT RELATES. 
( Which in this case the consumer is I, XXXX XXXX XXXX XXXX gave no person, person 's, business, businesses, or entities any written instructions to furnish information of accounts listed above on my credit report! which is a violation of the law and I demand to have it removed permanently from my credit report ) 15 U.S. Code 1681c. Requirements relating to information contained in consumer reports. 
( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following : ( 5 ) Any adverse item of information, other then records of convictions of crimes which antedates the report by more than seven years. 
( Which in this case all accounts listed above in the " Adverse List Section '' of this complaint is adverse items of information reporting on my credit report and is a violation of the Law and must be removed ) 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 
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. 
( Which in this case all accounts listed above need to be removed from my credit report immediately ) Thank for your cooperation
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding incorrect negative information on my TransUnion credit report. Despite multiple disputes, TransUnion continues to report a bankruptcy filing from XX/XX/XXXX, reference number XXXX that does not belong to me. 

This false bankruptcy information is severely impacting my credit score and ability to obtain credit. I have contacted TransUnion multiple times to dispute this incorrect information, most recently on XX/XX/XXXX, but they have failed to adequately investigate and remove it from my report. 

TransUnion claims they verified this bankruptcy information with their subsidiary XXXX. They also stated that it was verified with XXXX. However, when I contacted XXXX and XXXX directly, they stated they had no bankruptcy records for me at all. Additionally, the court of Maryland confirmed they do not report bankruptcies to credit bureaus. I have also attached a letter that I received from the United States Bankruptcy Court District Court of Maryland. It CLEARLY states that bankruptcies are not reported to the credit bureaus. Also, PACER does not report to the credit bureaus either. I have ALSO attached a screenshot DIRECTLY FROM THEIR WEBSITE stating that. 

I have provided TransUnion with all relevant information to prove this bankruptcy filing is fraudulent, including my full legal name, SSN, current and previous addresses, and statements that I have never filed for bankruptcy. However, they refuse to remove this damaging information from my credit file.

I am prepared to take legal action if necessary. I am requesting that the CFPB assist me in getting TransUnion to properly investigate this bankruptcy listing and permanently delete it from my credit report and any other necessary remedies to restore my credit score from this false information they are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act outlines the rights that Identiy Theft Victims and those who believe they are victims have the RIGHT to BLOCK FRAUDLENT INFORMATION FROM THERE CREDIT REPORT AND STOP A COMPANY FROM REPORTING INFORMATION RESULTING FROM IDENTITY THEFT BLOCK AND REMOVE THESE FRAUDULENT INQUIRIES I AM A VICTIM OF IDENITY THEFT BLOCK AND REMOVE THESE FRAUDLENT INQUIRIES XXXX  XX/XX/2022 TRANSUNION FRAUDULENT HARD INQUIRIES XXXX XXXX XX/XX/2022 XXXX FRAUDLENT INQUIRY
Product: Credit reporting or other personal consumer reports

A XXXX  XXXX account has been opened in my name. The account is in debt and has late payments. I have no authorization of this account or any transactions used by the card holder. Im suffering bad credit and Im asking questions about what can I do to dispute this fraudulent account. The account has access to all my information only accessible from tax preparers or online hackers/fraud experts. I have no contracts with any company that Ive seen personally online or in the bank. I believe someone stole a card and activated it using my personal information pretending to be me.
Product: Checking or savings account

On XXXX XXXX at XXXX while working with my Chime back card in my wallet. I began to get alerts from the Chime secure portal that my card was being used at an ATM. I went in and cancelled the card immediately and recieved a response that there would be no fund taken from my account. I called chime and made a report of this. The operator began to make notes of my issue and I was told that these charges will be taken off. The next few days I was hit with transaction fees and the fees for withdrawls from an out of network ATM. There was first 2 attempted charges from XXXX XXXX one for XXXX then XXXX and 3 miniutes later 2 attempted withdrawls from XXXX bank for XXXX. From using the protal I was garuneed to block all transaction yet when I went in to check my Chime account they had take the 2 attempts from XXXX and proccessed the fees. I immediately called Chime and they asked me to submit all my information. I submitted all this information that I have provided to you but Chime refused to take action however my charge dispute request was denied within 1hr. 
I asked to see the notes that were made on this so called investigation. At first they would not provide this information untill after 4 calls and speaking to many people I was emailed the notes on my account. CHIME lied and said there were no alerts, no warnings, nothing out of the usual and that these withdrawls look consistent to previous withdrawls. I bank with XXXX XXXX and have never been into a XXXX Bank. After finding out this lie I immediately went to check my end of the month statement. On XX/XX/XXXX I printed out my statement for the last month and there was 1 charge for XXXX but 2 transaction charges and my account was out of XXXX. A total of XXXX was taken from an ATM withing 4 minutes with 2 transaction at XXXX bank at XXXX which I was alerted to and assured there will be no withdrawls yet CHIME WILL NOT RETRUN MY MONEY. 
I made this known to CHIME they went in and changed my monthly summary to add these charges. I have the original prints and text of all these happenings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1900.00XXXX XXXX XXXX  XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year, I notified EQUIFAX, through Supervisor XXXX XXXX that the EQUIFAX CREDIT REPORT I RECEIVED HAD TWO, YES, TWO SOCIAL SECURITY NUMBERS!!!!! NO ONE HAS 2 SS # s ... He NEVER CORRECTED BECAUSE XXXX XXXX XXXX INITIALLY D E N I E D ME CREDIT BC I HAD 2 SOCIAL SECURITY NUMBERS ... ALSO A FRAUDULENT ADDRESS HAS S T I L L NOT BEEN TAKEN OFF ... MY ADDRESS WAS NEVER XXXX STILL XXXX XXXX, EQUIFAX SUPERVISOR, NEVER CORRECTS, NEVER RETURNS MY CALLS.
Product: Credit card or prepaid card

Hello, I have received an email from 'American Express ' today afternoon at XXXX XXXX that I've been approved for a new Card, but I never requested for this credit card. 

Action taken : 1. Since I have NOT applied for any credit card so I called American Express to report this as a Fraud and got this card canceled. I have also asked them to raise an investigation to look into this further. 

2. I have also called XXXX to report this fraud activity and raised a dispute. I did a credit Freeze too. 

3. Credit Freeze is also done with XXXX and XXXX XXXX 

4. I tried to notify the Federal Trade Commission ( FTC ) of the fraud which lead to this CFPB - The Consumer Financial Protection Bureau submission request
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX, Missouri Laws Dear REGIONS BANK, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity theft fraud laws, specifically under Missouri Revised Statutes Chapter 570, Section 570.223. 

It has unequivocally come to my attention that REGIONS BANK has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 570.223, emphasizes the severity of unauthorized access and misuse of personal information, underscoring the importance of protecting consumers from identity theft. 

I assert with unwavering certainty that I have not provided consent for REGIONS BANK to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that REGIONS BANK immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws under Missouri Revised Statutes Chapter 570, Section 570.223.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that REGIONS BANK will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letters I sent out here are the tracking number According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode lo living is obtained through personal interviews with neighbors, friends, or associates of the consumer of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is it possible if they did not do the proper investigation according to the law. Also, every piece of information on these accounts still are not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report showing inaccuracies. 

Accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX RE : Account # XXXX XXXX, XXXX, XXXX
Product: Checking or savings account

Im unable to Obtain a bank account with chase. I have no proof given to me. I dispute an transaction before 2018 for a charge that I didnt place and now my name is in XXXX XXXX XXXX and Im Not able to regain access to a bank account
Product: Debt collection

I settled a debt on XX/XX/19. I got an email stating it would be deleted from the bureaus in 30 days. When I called on XXXX stating that the amount was settled, no one could inform me if or when the deletion request was sent and I was told to dispute it with the credit bureaus to delete the account. The bureaus solely updated it and made no changes. Today is day XXXX. Now Im told because I disputed the account, that held up the process of deleting- something I was told to do.
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries from 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  ). I didnt apply for these credit cards, auto loans, etc. I called XXXX, Equifax and XXXX to file a dispute, but they ignore me and give me the runaround and the hard inquiry remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX Bureau of Consumer Protection Federal Trade Commission XXXX XXXX  XXXX, XXXX XXXX DC XXXX RE : FAILURE TO INVESTIGATE PROPERLY To Whom It May Concern : On XXXX XXXX, XXXX, I filed an online dispute with Equifax after reviewing my credit file only to find a number of inquiries that were bogus. Equifax clearly did not follow the law and properly investigate the inquiries because they completed the investigation in the same day ( please review the documents enclosed ). There are inquires I did not make, some that are more than 2 years old ( should be removed ) as well as duplicate  bogus inquires. Equifax has not followed the stipulations of the law. Attached you will see a copy of my dispute information where dispute number XXXX was completed on XXXX XXXX, XXXX yet you can see in the attachment title ( disputes filed ) that, that was also the same day that I submitted the dispute. After viewing that item I request that you view the XXXX, there you will see duplicate inquiries from XXXX XXXX that ARE NOT MINE, Multiple XXXX XXXXXXXX Inquires within days, ARE NOT MINE. XXXX XXXX XXXX is 2 years old should have been removed, XXXX XXXX XXXX I have never granted them permission to access my credit file. XXXX XXXX XXXX is also not MINE, I have not given them permission to view or pull my credit file. Is it true may suffer damages because of Equifax lack of response and improper investigation. Please require them to remove this bogus, duplicate and old information. If you have any questions or need additional information, please contact me at the address noted below. Thank you. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my report and saw Items I am unaware of where they came from. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I already filled an FTC complaint and attached it on this complaint. I demand these items removed on my report since this is clearly a violation of my rights Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 %
Product: Debt collection

I notified XXXX and its debt collectors to not contact me and to have all communication with attorney XXXX XXXX. I provided an address and telephone number to XXXX and they continued contacting me at my job and on my cell phone. They contacted me in XX/XX/XXXX after XXXX was notified by me and Attorney XXXX XXXX VIA phone call in XX/XX/XXXX. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX and its debt collectors were notified via email to only communicate with Attorney XXXX about this fraudulent loan. They disregarded the request and continued contacting me. The last attempt to communicate with me was in XX/XX/XXXX and XX/XX/XXXX. I spoke with a vile and rude young lady and again informed not to contact me and to only contact attorney XXXX XXXX and ACT continued calling. Account Control Technology made several calls to my cell phone in violation of the no contact request. The XXXX
Product: Mortgage

I live in a condo, and our XXXX  covers flood insurance. Mr. Cooper has been charging me for flood insurance every year since XXXX. We, the homeowner, are required to send them the coverage page every yeear when it renews, which I have done. They hae not applied it. This year I called on XX/XX/XXXX and was told to email it to XXXX separate addresses and also uploaded it in the XXXX portal. They are still charging me, they have been doing this since XXXXThey owe me money and I spend days on calls getting transferred to different numbers and it still has not been resolved. I do not know what to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, I filed for bankruptcy and my attorney tried to get Wells Fargo Mortgage to reaffirm my loan, but they refused. I have been making all of my mortgage payments to Wells Fargo Mortgage, on time since XX/XX/2017 up to today 's date XXXX XXXX. 
Wells Fargo Mortgage refuses to send this information to the three major credit bureaus and my account shows on the credit bureaus as being included in the bankruptcy as if it no longer exists and that I am no longer making my mortgage payments. This has a very adverse affect on my XXXX XXXX and makes it almost impossible for my score to improve which makes it very difficult for me to get fair interest rates on any loans and makes it almost impossible for me to be able to refinance my mortgage which has a interest rate of XXXX percent and Wells Fargo Mortgage, refuses to refinance or modify my existing loan to give me a better interest rate, so I feel that this is a deliberate attempt by Wells Fargo Mortgage to keep me locked into this unfair interest rate, since today 's interest rates are at a record low percentage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the accounts completely from my Credit Report : XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am personally submitting this complaint, please see attached documents as they will explain my complaint and verify my identity