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

I submitted my disputes for these fraudulent accounts. I received a reply ACCUSING me of using a credit repair company. That is an absolute insult to me. I am offended that I am being accused of not being capable of disputing fraudulent accounts on my credit. At ths point I feel further victimized. I would like to have these FRAUDULENT accoutns removed or I will have to exercise my rights because I am being violated. I am an XXXX veteran, Ive served and protected my country, I don't deserve to be victimized by the bureaus and an identity thief. If these accounts are not removed, I will be forced to escalate this matter to the next level.
Product: Credit reporting or other personal consumer reports

In XXXX, I suffered identity theft. The scammer used my personal information to open several credit card accounts and tried to make a hard pull using my personal information. After the scammer stole my XXXX XXXX online account, I gradually realized that things were not that simple. A few days later, I received several letters at my home in XXXX about my successful opening of new credit cards. Since I was studying at XXXX XXXX at the time, I could only ask my family to take pictures of the letters for me. After that, I first reported the case to the XXXX XXXXXXXX XXXX XXXXXXXX and submitted the proof that the scammer stole my XXXX  account and the information about the XXXXXXXX XXXX XXXX  account that I found at the time. After that, I received more letters. I started to check my credit reports of three companies and found many accounts and hard pulls that did not belong to me. After collecting all the information and accounts, I reported the case to the XXXX again and submitted all the information I had about the accounts opened by the scammer. I have been trying to dispute with Equifax and delete all the credit inquiries and credit card accounts that did not belong to me, but all failed. I have filed 3-4 disputes and they repeatedly responded that the credit card and credit inquiry confirmed it was me, even though I filed a police report and FTC Report XXXX I find it very frustrating for a college student who has just become an adult and has experienced identity theft. I hope the XXXX can help me resolve these issues! Thank you
Product: Credit reporting or other personal consumer reports

i am making this complaint to the CFPB because Transunion has violated my rights as a consumer which is detailed in the attachment I am the victim identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I disputed several items on my Equifax credit report. On my letter, I requested that Equifax, under the Fair Credit Reporting Act, properly investigate all the items I had listed, fix each and every one on every account or delete all the accounts that they will not correct. After several months, Equifax has not done their job. Items WERE NOT FIXED and WERE NOT DELETED from my Equifax credit Report. Equifax is in violation of Federal Law under the Fair Credit Reporting Act.
Product: Credit card

Capitol One had been soliciting me with pre approved offers for their quicksilver credit card offering a {$300.00} bonus after spending {$500.00} within the first 90 days. After 2 months of recieving these emails, I finally decided to apply for the card to get the bonus money. I used the link in the credit card offer to apply for the card. The email promised my credit score would not be affected. This was Not true. My credit score went from an XXXX to an XXXX after applying and getting approved. I applied on XX/XX/2023 and did my due diligence by calling their customer service right after i applied to be certain I was on track to recieve the {$300.00} bonus offer with this card, and the person on the phone assured me i would recieve it after I spent the $ XXXX.I also took that time to complain about my credit score instantly going down, but they brushed it off saying it was perfectly normal. I was not happy. I spent the {$500.00} the first month and paid the card off in full to satisfy the requirement. When I didnt recieve the bonus money by XX/XX/XXXX I called capitol One to see why. I was told that I applied for the wrong quicksilver card, They said I applied for the quicksilver card for people with good credit not the quicksilver card for people with excellent credit. They said the cards look the same but mine carried no reward. In my defense I had an XXXX credit score which was excellent credit on XXXX, XXXX XXXX  More importantly, I used the link in the ad to apply for the card. This is a bait and switch tactic on their part.
Product: Debt collection

I have received XXXX calls over the last year concerning XXXX people who i am not associated with and do not know. Although I have asked these companies to STOP calling here and to remove my number from their records, they have not. They are continuing with this pursuit no matter what i do. I am also on the do not call list since 2013 ( XXXX ) I have reported these companies over and over again but the calls continue under different names ... sometimes private numbers all in pursuit of XXXX and XXXX. I need help to stop this invasion. I consider this Harrassment and want it to stop. I also want them penalized for the Harrassment and continues to this day. As a matter of fact today i got another call which i reported to do not call. My evidence lies in all the complaints over the last year to do not call You may contact them and check my story
Product: Mortgage

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX PAID UP OUR MORTGAGE DO TO COVID ASSISTANCE PROGRAM UNTIL XX/XX/XXXX. XX/XX/XXXX WE ASKED FOR A REDUCTION ON OUR MORTGAGE PAYMENTS WE WERE TOLD NO BY BANK OF AMERICA, YOU HAVE TO BECOME BEHIND FIRST! BUT WE WILL SEND YOU PAPER WORK AND SEND IT BACK! AFTER 3 MONTHS GETTING BEHIND {$6600.00} ON PAYMENTS BANK OF AMERICA TOLD US SHORT SALE WE CAN NOT REDUCE YOUR PAYMENTS. I FILED A COMPLAINT WITH HUD FOR HELP DO TO DISCRIMINATING AGAINST OUR XXXX. MY HUSBAND XXXX XXXX! THEN I GOT A CALL FROM BANK OF AMERICA CUSTOMER SERVICE MANAGERS TOLD ME THIS WAS A MISTAKE ON BANK OF AMERICA AND IF I WOULD RETURN THE DOCUMENTS BACK FOR THE THIRD TIME TO BANK OF AMERICA SO WE CAN REDUCE YOUR PAYMENTS ARRANGEMENT CORRECT! I WAS TOLD TO REFAX AT ANY BANK OF AMERICA LOCATION AND I DID AND TODAY XXXX XXXX HAD A PHONE CALL FROM BANK OF AMERICA AGAIN WITH THE SAME INFORMATION SHORT SALE! NO WE CAN NOT REDUCE PAYMENTS FOR PEOPLE WITH INCOME ON SOCIAL SECURITY AND PENSIONS TOTALING {$6500.00} A MONTH WE ASKED WHY NOT BANK OF AMERICA COULD NOT AND WOULD NOT ANSWER MY QUESTION!! 
WE NEED TO GET HELP WITH XXXX DISCRIMINATION BY A BANKING INSTITUTION WE ARE TRYING TOO PREVENT FORECLOSURE THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three late payments on my credit report from Capital One Bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I feel as though this reporting is incorrect because there were issues with me recieving my bills at this time and have attempted many times, via written letter, and emails, to get it removed and have been declined and given no proof as to why. I believed that these negative marks should be removed.
Product: Student loan

They denied me for the student loan forginess because navient they said I graduate but I did not school close on XX/XX/XXXXXXXX and graduation was on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the response I received from the Consumer Financial Protection Bureau ( CFPB ) regarding my complaint filed on XX/XX/XXXX regarding an inaccurate account. In your response dated XX/XX/XXXX, it was stated that I requested the account to be corrected or deleted, which is inaccurate. To clarify, my request was for the immediate deletion of the aforementioned account due to multiple inaccuracies. This decision was made based on the same inaccuracies that prompted XXXX to delete the account upon my reporting. 
I urge you to rectify this matter promptly by deleting the disputed account from my records for XXXX and TRANSUNION. The information on these accounts which is inaccurate and a violation According to XXXX v Transunion XXXX, XXXX, XXXX, and TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following. 
XXXX Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX TRANSUNION Account Name : XXXXXXXX XXXX  Account Number : XXXX Failure to do so will leave me with no choice but to pursue legal action. Please note that I am prepared to file a small claim of {$1000.00} for each violation if necessary. Enclosed with this letter are documents supporting my initial complaint to the CFPB. These documents serve as proof of the inaccuracies reported and the request for deletion. I trust that you will give this matter the attention it deserves and take the appropriate actions to resolve it expediently. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Data Furnisher named XXXX XXXX XXXX XXXX used fraudulent deceptive and unlawful mean to obtain the consumer consent to disclosed and furnish private, nonpublic, personal identifying financial information about the consumer with EQUIFAX whom is a third party as it relates to account number XXXX. The laws mentioned in the attached Affidavit of Fact Doc # XXXXXXXX XXXX XXXX XXXX XXXX that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless - ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. No such disclosures were ever provided to the consumer so no opportunity was ever offered. Therefore EQUIFAX is reporting private account information in the form of transactions and experiences that it has fraudulently obtained form the Data Furnisher. Lastly 15 USC 1681a ( d ) ( 2 ) ( A ) and RCW 19.282.202 states a consumer report does not include transactions and experiences. Obtaining consent to disclose private identifying information by deceptive means and using that information constitutes Identity Theft pursuant to 15 USC 1681 ( q ) ( 3 ). I am attaching a copy of my official notarized complaint by affidavit along with proof of identity and evidence that supports my claim. Please be advised that a copy of this notice has been mailed via USPS certified mail return receipt.
Product: Debt collection

I representative from Personify Financial called me in reference to a payment that was due. I advised the representative that I would be making a payment on Friday. The representative asked me which account would I be using and I explained that I was unsure. Shortly after the phone call, I received an email from Personify Financial with confirmation from a payment when I did not authorize this company to debit my account.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding a collection account listed by XXXX XXXX XXXX, which I believe is a result of identity theft. The account is inaccurately listed on my credit report, and I have attempted to dispute this information through Experian, but they have failed to conduct a proper and thorough investigation as required by law. 

Here are the key details of the situation : Creditor : XXXX XXXX XXXX Account Number : XXXX Amount Due : XXXX The collection account listed by XXXX XXXX XXXX does not belong to me and appears to be the result of identity theft. I have never opened an account with this company, nor have I authorized any debt related to this collection. After noticing this issue on my credit report, I immediately contacted Experian to dispute the information, providing supporting documentation such as my lease contract ( the only one that I signed ) Unfortunately, Experians response to my dispute was inadequate. The investigation they conducted was insufficient and did not resolve the issue. They failed to properly investigate the dispute or verify the accuracy of the information with the original creditor. This lack of due diligence in their investigation, as well as their failure to remove the inaccurate information, is a direct violation of the Fair Credit Reporting Act, which requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes inaccurate information. 

I understand that Experian is currently facing legal action from the CFPB for similar issues. The CFPB recently filed a lawsuit against Experian, accusing them of conducting sham investigations and failing to ensure the accuracy of information on consumer credit reports. This lawsuit directly relates to the very issue I am experiencingExperians failure to properly investigate and correct inaccuracies, despite clear evidence. 

As a result of Experians lack of proper investigation, the inaccurate collection account from XXXX XXXX XXXX remains on my credit report, and my credit has been negatively impacted. I am concerned that this will continue to affect my ability to obtain credit, and I am frustrated that Experian is not adhering to the legal requirements to address identity theft claims appropriately. 

I am requesting that the CFPB intervene and help resolve this issue. I believe Experian must be held accountable for its failure to conduct a proper investigation and remove the fraudulent collection from my credit report. I also request that XXXX XXXX XXXX be informed that the collection is the result of identity theft and should be removed from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Avio Credit accessed my XXXX credit report on XX/XX/XXXX and XX/XX/XXXX. I do not recognize and did not authorize this access to my credit report. My credit report has an active fraud alert and is frozen/locked. Access to my credit file requires verbal approval to protect my identity. Additionally, I have opted out of pre-approved promotional offers.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.. 

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Equifax XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Equifax XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Equifax XXXX XXXX XXXX Account # : XXXX According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!
Product: Bank account or service

Chase has violated there own Terms and conditions. I have a current, open, and active Chase Premier Plus checking account. Chase offered me this account because of my Military service. Looking at the Chase terms and conditions from the Chase document, " A Guide to Your Account '' for Chase Premier Plus Checking account holders, Page XXXX explains Overdraft fees. In particular, it states, " IF WE RETURN THE SAME ITEM MULTIPLE TIMES, WE WILL ONLY CHARGE YOU XXXX RETURNED ITEM FEE FOR THAT ITEM WITHIN A 30-DAY PERIOD ''. 
I have had {$34.00} overdraft fees that Chase has charged me from the same returned item within the 30 day window. SEVERAL times I have called and given Chase the opportunity to reverse these outstanding charges and credit my account back. My requests have been ignored and denied. I warned them that my point is validated and advised that I would have to take next steps.
Product: Payday loan, title loan, personal loan, or advance loan

Monthly fee to keep account open unable to catch up and pay
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the TransUnion credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.

I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the pdispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I am disputing an issue with Credit Acceptance. This company repossessed a vehicle which I was the co- borrower for. I had no knowledge of how to locate the vehicle before it got repossessed. I spoke with the company about it with no success. Once I reported the issues with the CFPB before thats when they stated the vehicle was repossessed. Before that they was reporting it unpaid by 120 days late for about 2 years. They also re-aged this account multiple times. It is illegal to re-age credit and it is Illegal to not send out paperwork about the repossession. I have no correspondence at all for the vehicle being repossessed. They never said where it was sold or when it was sold. I want this account removed from my credit report due to the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. In result I got in contact with my local police and the federal trade commission. I need your help now, please. I need these items deleted from my report. I'm working on this all on my own XXXX   XXXX. There are a few inquiries I see that are not mine as well XXXX XXXX. XXXX/XXXX, XXXX/XXXX  ond XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$22000.00} US DEPT ED XXXX {$3600.00} - tied up US DEPT ED XXXX {$2500.00} - tied up US DEPT ED XXXX {$1400.00} - tied up US DEPT ED XXXX {$7800.00} - tied up US DEPT ED XXXX {$5600.00} - tied up US DEPT ED XXXX {$3500.00} XXXX tied up US DEPT ED XXXX {$1600.00} - tied up US DEPT ED XXXX $ XXXX tied up US DEPT ED XXXX {$4200.00} - tied up XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>