23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. The accounts include : XXXX XXXXXXXX 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

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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 card

I applied online for a Chase Sapphire Preferred credit card. Received immediate response they could not approve at that moment but will be researched and I would get the results in writing by mail. My original application was on or about XX/XX/XXXX. I have never received anything by mail or email from Chase. I called an XXXX number at Chase to pursue status of my application. Twice I was told application still pending and no other information is available. Third time I called I demanded to speak to a representative. This time I was told I was not approved and they could not discuss the matter with me or give a reason for denial. I then requested them to give the application a second review but was denied, again no reason provided. I was told to submit a new application in a physical Chase bank location. To date, Chase has provided me no written response by mail or by email or a phone explanation. I told them I can not keep opening new applications as it does damage my credit reports. 

This is the second time they have done this to me, with no reason given. The previous time was on XX/XX/XXXX. Exact same story then. 
My understanding is that Chase is required by law to give some reason for denials. 

Additionally, I do have a Chase Freedom card and I receive regular emails saying I am pre-approved for the Sapphire card.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I would like to fill a complete with the CFPB against XXXX, XXXX, and TransUnion for misleading information on my credit report about a Bankruptcy case. 

I sent written notification to the court asking how XXXX, XXXX and TransUnion verify bankruptcy by the court. In response, in response on XX/XX/2021, the court stated it does not verify information to collection agencies. As a result, I sent letters to all 3-credit agency asking to verify and how the Bankruptcy is verified on my account. 
This is the response that was sent to all 3 companies I have previously disputed this item with you US Bankruptcy Court- XXXX XXXX Case Number XXXX and in response you verified the item as accurate, stating that you have verified the information with the court. I have contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore, your original response verifying the time with the course was either error or lie. Either way, the reporting requires to not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately. 

XXXX XXXX In response, each credit agency stated that the information is verified as accurate. 
Attached are letters and documentation that was sent to all 3 agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Debt collection

I just opened a XXXX XXXX and noticed Derogatory marks from XXXX XXXX XXXX saying i owe to separate collection charges of {$50.00} on XX/XX/2013. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like these 2 derogatory marks off my credit as soon as possible due to the fact they have the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my 13th 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 XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MA XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX  XXXX Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/18. I called Citizens Bank On Line Banking and informed the rep. XXXX that the payment posted on XX/XX/18 to My XXXX XXXX XXXX   XXXX ( XXXX XXXX ), did not receive the payment. I also informed her that I have the confirmation # and on XX/XX/18, I submitted a request for an investigation be made regarding this matter. XXXX responded that she checked and verified that the bill was successfully paid an there were no returned payment and there is nothing she can do. I asked to speak to her supervisor. A few minutes later, XXXX XXXX XXXX, her supervisor, came he basically said the same thing. I suggested that maybe he can fax some kind of paper trail to XXXX XXXX. Something to help them track the payment. He gave me his direct phone # so I can get the fax # from XXXX XXXX. Unfortunately XXXX Had no fax #. I can contact them through my XXXX XXXX  secure email. I called XXXX XXXX back shortly after, and we made arrangements that he would fax me the info the following day - the XX/XX/18, and I would then email it to XXXX. XXXX XXXX never called or fax or responded to my calls on the XXXX or the XXXX.
Product: Debt collection

I have disputed this debt with the collection agency and the credit bureau XXXX. I have informed them of the identity theft which led to this debt but I have not received any response or justification for the collection account on my credit report. I have informed and XXXX is aware of the identity theft that occurred on my file but they are still reporting this account. I am requesting this account to be removed from my file immediately.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been my numerous attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my file that resulted from alleged identity theft. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


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

After my last dispute with Equifax, my XXXX score is showing my most recent missed payment is from 2 months. I haven't had a missed payment in more than 2 years, by error of the bank, and I'm still disputing.This need to be corrected as soon as possible, as the report is not showing any missed payment, in Equifax or other bureau.See attached score showing the error.Equifax is now reporting 2 of the three missing accounts they weren't before the dispute, but they still are not reporting a loan from XXXX XXXX. XXXX XXXX assured to me they are reporting to the three bureaus. I'd like this account reported in Equifax as soon as possible.Attached information for the company about the loan.I have tried several times entry in equifax to check the status of my dispute and the system always reject my entry. It is the only bureau is giving problems when I answer the verification question. I'd like they review and verify all the information they are reporting match with their own system.I have submit a claim form to request free access to my credit report offered by Equifax after the date breach. I'd like to know when I will have access to my data.Attached claim number.
Product: Checking or savings account

On XX/XX/XXXX, at around XXXX XXXX, I received a phone call from my bank ( SANTANDER ) fraud alert dept., inquiring of possible fraudulent activity on my acct. 
On the same date, there were 2 debit transactions that I denied and explained to my bank that I did not make those purchases.

The bank immediately credited me with a " provisional credit '' for the total amount and informed me of an investigation starting that date, the bank sent me a new debit card.

The 2 transactions were named with different merchants, one is " XXXX XXXX '' and the amount is {$140.00}. 
The second transaction was resolved quickly ( by me, personally contacting the merchant and denning that purchase on my behalf and the money was refunded ). 
On XX/XX/19 I received a new letter from Santander, informing me that the investigation was completed and they determined that the merchant was correct. They withdraw the total amount for this dispute from my checking acct. ( {$140.00} ). 
I immediately called back my bank to file a new complaint and request a copy of their investigation and paperwork, affidavit and all possible paperwork regarding this transaction. 
The bank responded by saying that they will mail me all the paperwork, which they did and about 10 days later, I received an envelope with paperwork from SANTANDER stating my case number, which it didn't have the correct information, apparently the bank sent me information of a claim that belongs to a different customer, that it matches my case number and debit card # but a different checking acct. and a different claim amount. 
After receiving not legitimate documents as proof of their investigation, I tried contacting the bank making several attempts, in person and by calling the Fraud Dept., after 5 times of trying and receiving more mail with the wrong documents I gave up to try to solve this issue with the bank.

I also tried to contact the merchant, for which I had not received any proof of purchase, not an invoice, not a letter, nothing. I was able to locate the company because the bank had shared their information with me.

I made at least 3 attempts to contact the merchant and each time the customer rep. hanged up the phone on me when I asked if they could provide me with a copy of the " proof of purchase '', they denied me any information and said that the purchase was made online and that I should contact my bank. 
I did not make that purchase. I still don't have any answers from the bank but my money was withdrawn from my acct. 


Thank you,
Product: Checking or savings account

My funds were frozen and considered to be fraud and then bank closed my XXXX without giving me my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

My life has been ruined! Thank God I Found CFPB. XX/XX/XXXX I Got A notice to vacate XX/XX/XXXX from a property I was living at ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Tx XXXX. XXXX XXXXXXXX Totally extorted! & Lied To Me! Ive never seen or heard of a company so horrible & horrific! The Manager XXXX XXXX, fraudulently lied & extorted me & my XXXX XXXX XXXX fianc out of her property. At the time we were both XXXX & honestly we didnt know our rights 100 %, But Now We Do. XXXX XXXX XXXX We Woke Up To A Letter On our front door stating that we had to be off of the property before XXXX XXXX XXXX XXXX ( 1 day ) or we will be evicted & sued! Mind You On XX/XX/XXXX We Just Paid ( XXXX XXXX ) {$4000.00}, Which Was The Last Of Our XXXX XXXX Money From XXXX! Scared Young Teenagers We Packed Our Clothes & Were On The Street XXXX Living House To House, we didnt even get a chance to take our bed or nun of our other belongings XXXX XXXX had the maintenance guys throw it in the dumpster & Change The Locks! XXXX XXXX threatened us & insisted that we must leave Before ( XXXX XXXX XXXX XXXX ) We Even Went over our least agreement & realized there were multiple errors & mistakes on XXXX  End. She Never Justified This Wrong Doing Of hers! She Even stopped answering The Phone For Me & My fianc! Weeks & months Went By She Never responded or explained this horrible situation, we were left in the dark. Here it is ( XXXX XXXX ) We Are Still traumatized & Never recovered from this horrific situation! What makes this whole entire situation worse & our biggest problem Which Has Ruined Our Lives! is that we now owe a balance of ( {$9400.00} ) To ( phoenix recovery ) & It Is On Both Of Our Credit reports, Which Means we cant move into another property until this balance is paid in full. Weve even tried to apply to other apartments But theyve all denied us due to the balance with ( phoenix recovery group ) Phoenix recovery group never reached out to me to let me know anything so i was totally blind sided, one day I checked my credit report & seen there had been a balance placed, when I tried to reach out to Phoenix they never answered the phone or let me know anything about this situation or balance, they just placed it on my credit. This Situation Has Totally Runied Our Lives & living situation We are currently homeless Till this day. I wouldnt wish this on anyone & I hope We Get The Help We Deserve, We Have Reached Out to multiple attorneys & even went downtown to our court house ( XXXX XXXX courthouse ) & No One Can Help Us. We Were Totally violated, extorted, and took advantage Of By Both Of these companies! ( XXXX XXXX ) ( PHOENIX RECOVERY GROUP ) We Deserve Justice Our rights Were violated on every level of law! & now our credit & life is runied! # justiceforus. In the documents I attach you will notice ( XXXX XXXX ) put invalid lease violation codes that were Fraud & incorrect! Me out my fianc have never been in the military!!! Please review the documents carefully you will quickly see her error!
Product: Credit card or prepaid card

Email from : # # -Confirmation XXXX Heyy Dear XXXX, You have sent {$720.00} to Paypal XXXX XXXX It may take 24 hours for this transaction to appear on your account. 

Items : {$690.00} Shipping & handling : {$21.00} Total before tax : {$710.00} Estimate Tax : {$14.00} Order Total : {$720.00} Payment Method : XXXX CREDITS. 
Order Number : XXXX Product : XXXX XXXX XXXX XXXX XXXX XXXX - ( XXXX XXXX GXXXX XXXX XXXX  XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX kg ) Order Date : XXXX - XXXX - XXXX Please note that a signature is required for the delivery of the package. 
If no one will be available to sign forthis package, you may wish to make alternate delivery arrangements Your order will reach you within 3-5 working days. Youwill receive a tracking link once the order is shipped.

Youcan check the status of your order by logging into your account If you have any questions about your orderplease contact us at Call Our Customer Support Care : XXXX ( XXXX ) - XXXX - XXXX for further assistanc Team Pay_Pal
Product: Credit card or prepaid card

This is my second dispute with the Credit Bureaus, the inquiries were taken off That Fraudsters applied for but the Account from XXXX XXXX  now shows as closed and not DELETED FROM MY ACCOUNT AS I REQUESTED. 

I am a victim of Identity Theft. My information for Compromised during XXXX 's Data Breach. 
Included I have added screenshots and also my Data Breach Claim Number. I have a Closed Account for XXXX XXXX  with a Balance of {$7800.00}. 

I have never opened Nor Used XXXX XXXX  and I am asking you to DELETE it. Also I am asking yo to immediately DELETE The address that is on my account that's used in this FRAUDULENT activity at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

I have never stayed at the above address, Ive stayed in North Carolina all my life.
Product: Mortgage

I applied for a heloc on XX/XX/2023 - my information was incorrect. On XXXX XXXX I received a letter in the mail that my accounts were closed due to me being deceased. I am currently still alive and someone has committed death fraud against me
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunday, XX/XX/2021, I applied for XXXX XXXX XXXX through Synchrony. The application was definitely submitted. There was absolutely a hard inquiry into my credit, but I received no correspondence, email or physical mail, from either XXXX or Synchrony until today, Wednesday, XX/XX/XXXX. I received a letter in the mail that says that my request for financing was denied. The reason specified was " High risk source of application ''. I have no idea what this means. I called Synchrony and they told me to call XXXX. XXXX told me to check my credit report and call Synchrony. No one would provide me with an explanation and looking at my credit report did not explain anything. No one will give me answers. They just keep telling me to call the other company. I was never given a reference, account or application number. Never received any correspondence except for the letter of denial. I am concerned there may be something wrong. No one will tell me what " high risk source of application '' means.
Product: Debt collection

Received collections letter from Midwest service bureau regarding alleged debt, asked debt to be removed from account, no verification of debt was provided
Product: Money transfer, virtual currency, or money service

I am following a complaint against Cash App ( Block, Inc. ). Due to inadequate customer service and unfair practices that violate the consumer financial protection act. Specifically cash app failed to take timely and reasonable measures to prevent fraud and information such as email leaks as well as address fraud. Leaving my account and personal information vulnerable. Furthermore, the dispute process was deceptive and unfair. And they did not follow dispute regulations lined out under the electronic funds, transfer act. The reason stated above, have caused immense loss of time and finances due to the lack of oversight and procedure. I seek appropriate redress for these violations.