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

On XX/XX/XXXX XXXX  XXXX accessed my credit file with Transunion, XXXX, AND XXXX  without my permission. This was reported previously, as considered fraudulent inquiry, along with other simultaneous inquiries same day with other institutions, and which I did not authorize. On XX/XX/XXXX XXXX  XXXX sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report ( this one, in addition to a couple more ), and in response to my kind request as a happy XXXX  XXXX Client. As up to date, XXXX  shows the 3 inquiries ( the XXXX and XXXX XXXX Experian and Transunion took off, plus this precise one ), and both Transunion and XXXX  still show XX/XX/XXXX only. Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above. XXXX  is neglecting to remove anything, and the other two remove partially, as explained. Should them continue in their non-compliance, I may end fighting for a long period of time, at small claims court, as I further remind you that, as in Wenger v. Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), they may be liable for their willful non-compliance.Kindly ask XXXX XXXX to help on this matter, to avoid having unnecessary discussions with a happy XXXX XXXX client. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX  did, and this in addition to several other inquiries started after the XXXX  data breach publicly known.
Product: Credit reporting or other personal consumer reports

I opened a Chase Freedom card at or around XX/XX/XXXX. The account number was XXXX. The account remained in good standing up until the point that the account was fraudulently taken over in XXXX. I submitted a police report and a FTC report to support my dispute. Chase did not accept my documents and choose not to honor the XXXX fraud liability on the account. The credit limit on the card was {$4500.00} During the time of my dispute of these fraudulent charges with Chase the account declined. While I was informed that no payment for fraudulent charges were due, the account reported XXXX, XXXX, and XXXX  days late and accumulated interest. 

Chase charged off the account while it was in dispute with the credit bureaus. I paid taxes on the fraudulent activities, because I was issued a XXXX. 

I was powerless against Chase because despite submitting the police report and the FTC report the collection process continued and my documents were ignored. 
I eventually agreed to settle the debt for 40 % of the balance to protect my credit under the condition that Chase agreed to remove the adverse reporting. 

However, I was deceived as Chase never removed the account nor the late reporting. I have called several times since ; and I was told that " it is not in Chase policy to remove items ''. I've argued my case before Chase Card member services, Chase credit reporting department and the Chase Fraud and recovery department and its a big game of music chairs. I've been on the phone for days getting no where by transferred from department to department. 

There are no case numbers to show that Chase even investigated my fraud dispute. I've asked for the statements for XXXX, payment history and the information used during the investigation and I was informed by the Recovery and Fraud team that there is no record of a fraud investigation and I would need to submit a formal request and a subpoena for the credit card statements during the time of fraud. 


Formal Request- Chase Card Services XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Card Member Service XXXX
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX I never lived at this address this came from corelogic XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN LIVING AT XXXX XXXX XXXX FROM XX/XX/XXXX XXXX MY IS XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TRYING TO COLLECT ON A DEBT I DID NOT INITIATE OR CREATE.
Product: Debt collection

NCB Management Services was collecting for a debt I had, and their collection agent promised that if I paid them, they would delete it from my credit report at all credit bureaus, all I had to do was dispute it through the credit bureaus after I paid. 

So I paid NCB Management Services, and now I have disputed the account multiple times through the credit bureaus but NCB Management refuses to delete it from my credit report.
Product: Credit reporting or other personal consumer reports

Account # XXXX SPRINGOAKCAP I recently pulled my credit report and noticed that your company bought a debt and the amount you are claiming on my credit report is not the same balance that I have with the original creditor. You are also reporting the incorrect date last active was. The XXXX is critical when dealing with the statute of limitations and I believe your company knows this and that is why you illegally updated the date last active. I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt with Spring Oaks. Please inform me of the amount of which the debt was purchased. Per the CFPB, I have this right as a consumer. Provide the forward flow agreement. Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect debt in the state of TX. If you can not provide this information permanently remove this account from my credit report or I will have no choice but to sue your company for defamation of character.
Product: Credit reporting or other personal consumer reports

All XXXX Bureaus are not reporting the same information and thats a violation of the fcra the last date active is inaccurate the account is reporting open across all XXXX bureaus but they have it listed as a charge off and thats a violation Equifax is reporting paid as agreed but reporting the account as charged off as well
Product: Credit card

I had my credit card for over 3 years and never had a late payment with the prior account servicer Household Bank. Once Capital One acquired the account, and since they took over my payments were not posted accurately to my account. They never processed my payments accurately from XX/XX/XXXX to XXXX 2014. My credit has been adversely affected and they are not willing to assist me. My credit score has dropped due to their actions.
Product: Mortgage

To Whom It May Concern. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - In A Befitting Manner And With A Humble Submission Would Like To Inform you that we " XXXX & XXXX XXXX '' are the customers of Wells Fargo Bank since XXXX till date.We have Bussiness, crown checking ( XXXX ), Safe deposts vault ( XXXX ) and more than anything we have PRIME EQUITY LINE AND HOME EQUITY LINE OF CREDITS WITH THEM. SINCE WE BORROW THIS MONEY FROM THE BANK IT NEVER HAPPENED THAT WE MISSED ANY PAYMENT, NEVER HAPPENED THAT WE MADE UNDER PAYMENT FROM THE MENTIONED AMOUNT INSTEAD WE ALWAYS PAY MORE TO REDUCE THE PRINCIPAL. 
WE PAY ONLINE ALWAYS FROM OUR CHEQUING ACCOUNT. WE MADE AN APPEAL TO THE BANK, '' SAYING INSTEAD OF MAKING XXXX PAYMENTS FOR THE SAME BANK, SAME CUSTOMERS PLEASE MERGE THESE XXXX ACCOUNTS IN XXXX SO THAT WE CAN MAKE XXXX PAYMENT WITH A FIXED RATE OF 30 YEARS INTEREST. NO MATTER WHAT IS OUR CURRENT INCOME, WHAT WILL BE OUR FUTURE INCOME AND WHAT WAS OUR PASSED INCOME BANK DOES NOT NEED TO BE WORRY, WORRIED OR WOULD BE WORRY FOR ITS PAYMENTS. 
AFTER SUBMITTING ALL THE DOCUMENTS THEY HAVE TURNED OUR REQUEST DOWN SAYING SINCE IT IS A NEW APPLICATION WHICH IS NEITHER A DEBT CONCILIDATION ACCOUNT NOR ANYTHING ELSE IN THAT NATURE EXCEPT THE MERGING OF XXXX ACTIVE LINE OF CREDITS ACCOUNTS WHER ALL REMAING PARAMETERS ARE THE SAME.TO US WE STONGLY BELIEVE THAT THE DECISION WAS NOT TAKEN IN A PROPER WAY THE WAY IT SUPPOSED TO BE.WE ARE VERY PROUD THAT WE IARE IN BANK 'S VERY GOOD CUSTOMERS LIST. BUT WHERE IS REWARD OF BEING LOYAL? WE BELIEVE THAT THIS APPEAL HAS NOTHING TO DO WITH OUR INCOME, CURRENT PRICE OF THE HOUSE OR ANY OTHER THINGS IN OUR OPINIONS AS LONG AS BANK IS GETTING ITS PAYMENT. 
WE WOULD HIGHLY APPRECIATE WITH YOUR HELP IF WE CAN HAVE THIS PRIVELLIAGE OF HAVING THESE XXXX ACCOUNTS IN XXXX WILL BE A GREAT VICTORY FOR US AND IN THE LONG RUN WE BELIEVE THAT THE NEW SINGLE LOAN WILL BE PAID OFF MUCH MORE FASTER AND WILL ALSO BE ABLE TO SAVE MONEY. 
THANKING YOU IN ADVANCE FOR YOUR COOPERATION & UNDERSTANDING SINCERELY XXXX ; XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have XXXX parent plus loans to pay off. This company has added XXXX additional fees to each loan totaling {$13000.00} Extra they are collecting on the plus loans and the fees go up each month.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

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

There are unauthorized inquiries on my report for rental, I would like removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am reporting a fraudulent inquiries founding in my credit report
Product: Vehicle loan or lease

On XX/XX/2019 I entered into a legally binding contract with XXXX XXXX to buy another vehicle and pay Ally off in the midst of that contract in the amount of XXXX for their financed vehicle, after XX/XX/2019 any accured charges were the responsibility of that automotive dealers, since there were not recontract of said contract. On XX/XX/2019, Ally attempted to charge my checking account a payment of {$460.00}, of which I stopped since I on XX/XX/2019, paid them off within a legally binding contract with XXXX, and any payments thereafter is the responsibililty of XXXX  to pay said vehicle off. 

On XX/XX/2019 Ally created a check, and sent it to me in the amount of {$310.00} without condition or request. I deposited said check within my checking account, and thereby considered the issue closed, with three days was notified by my bank that said check wasn't honored, now the defense that the payment on the XXXX of XXXX was the reason is without merit, considering as of XX/XX/2019, all issues with shortages were between the dealership and Ally not the consumer, since they had a funded deal with another lender, that vehicle isn't a issue. Additionally Ally is reporting that I have a balance of {$460.00} left on my account, I submit that I have no payments past XX/XX/19 based entirely on a legally binding funded contract with another lender, and that any shortages is to the dealership not the consumer, the payoff quoted on XX/XX/2019, should have been paid as according to the contract, and no additional payments from the consumer is warranted.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I requested a freeze/hold on my report to prevent any possibility of identity theft/fraud
Product: Credit reporting

I have previously obtained my credit report through XXXX within the last year ( XXXX ), I have successfully disputed items on my report via Experian online ( experian.com ), yet I do not have access to my report online ( XXXX ). In other words I can not access my credit file online via the Experian website. I continue to be denied through this message " We are unable to honor your request for online access. " through experian.com. I have called Experian about this issue and the only assistance that the company can provide is to send me my credit report via mail. The gentleman that attended to my concerns only informed me that there was nothing that they could do about the matter being that they, the call center, had nothing to do with the website. Meaning they could not resolve any access issues, or any issues in general regarding the website. As of yet there is no link on the experian website in order to complain about this issue or any issue related about the website for that matter. I am looking to have convenient access to my credit file online, for review and disputes.
Product: Credit reporting or other personal consumer reports

Whom It May Concern, I am filing this complaint against Equifax due to their repeated failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). Additionally, I wish to highlight Equifax inadequate responses to my disputes, which align with the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Equifax for sham investigations of credit report errors. Violations of FCRA Equifax has an obligation to : Ensure maximum possible accuracy of credit reports ( 15 USC 1681e ( b ) ). Conduct a reasonable investigation of disputed information ( 15 USC 1681i ). Correct or delete inaccurate, incomplete, or unverifiable information ( 15 USC 1681i ( 5 ) ). Notify me before reinserting previously deleted information ( 15 USC 1681c ( c ) ). Despite my previous attempts to resolve these disputes, Equifax has failed to meet these obligations. I am aware of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Equifax for failing to properly investigate disputes and reinserting inaccurate information, as noted in their public announcement on XXXX. My experience reflects similar issues, as described below I request that Equifax : Perform a thorough and proper investigation of each disputed account. Delete or correct all inaccurate, incomplete, or unverifiable information. Provide written confirmation of the results of your investigation.
Product: Debt collection

Following a thorough examination of my recent credit report, I noticed various accounts that I believe are erroneous and were added without my knowledge.
Product: Vehicle loan or lease

I purchased a new car in  XXXX  in which it was financed b y Santander Consumer USA. The payments were going fine until I experienced  financial hardships in  XXXX  and fell behind on payments. When I contacted them I was told that since the payments had not been made that the truck had been charged off in which {$27.00},  XXXX  had been written off. I am still in possession of the truck and making payments. I was told by the company that in order for the charge off to be taken off my credit report that I had to pay the loan out in full. I am concerned about this matter because I am paying the note every month but it is still negatively impacting m y credit score. I do  n't think this is fair and not sure of what a fair resolution would be but I do feel that it is unfair to continue to pay the note and it still negatively affect my credit.
Product: Checking or savings account

On XX/XX/XXXX I left my phone at a restaurant and did not return to pick it up until around an hour later. When I retrieved my phone I immediately noticed that there were 3 unauthorized XXXX payments for {$250.00}, {$1000.00}, {$260.00} back to back in quick succession to an unknown LLC. I immediately called Chase Bank to contest the unauthorized access to my account which was done through my phone. I spoke with a representative and explained my issue and was told that within 10 days I would receive an update on my claim. Over 10 days pass and I called back Chase Bank for an update. When I called this second time I learned that a claim had never been created and I was forced to repeat the initial process and give the details of my situation. I was then told to wait 10 more days for an update. After these 10 days, I called Chase Bank for a third time and was notified that my claim had been declined and that I would need to provide additional documents to support my claim. An example given was documents from the restaurant proving that I had lost my phone. Obviously, at this point nearly a month has passed and it is impossible for me to obtain these documents. Had my initial claim been filed when I immediately called I would have been in a position to obtain corroborating evidence from the restaurant. I was then told that my claim would be looked at again and to wait 10 more days. I wait 10 more days and call back in and it has been closed and can not be reopened without any additional documents supporting the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from XXXX XXXX about 2 hard inquiries from the same company within the last two days ( today 's date XX/XX/19 ) on XX/XX/19 and XX/XX/19. I spoke to XXXX  about the inquiry and was told to talk to the Lender that pulled the inquiry, they gave me the number for Synchrony Bank to ask them to provide XXXX with the removal of inquiry. 

Synchrony Bank claims that they did not do an inquiry, with the last inquiry being when I opened an account through their Banana Republic credit card application. I informed them that they appeared on my report, but they denied having done any inquiries for me and to reach out to XXXX again. 

I called XXXX again, and was told that the only way to remove the inquiry was to go to Synchrony Bank, therefore going back in a complete circle. No one is taking responsibility with something that is my sensitive information. On the report the wrong address was provided for the inquiry.
Product: Debt collection

I requested a block for these fraudulent accounts UNDER THE 605 FRCA LAW..I sent my FTC AFFIDAVIT AND POLICE REPORT to all 3 CREDIT Bureaus and the creditors Reporting the fraudulent information The fraudulent accounts were removed from my credit report and recently back opened without method of verification and Reporting the fraudulent information to my credit report. I sent letters to the 3 credit bureau in the creditors reporting the fraudulent information.I want this fraudulent information blocked from my credit report within four days under the fcra 605 law and the method of verification for the fraudulent accounts reporting under the FRCA609,611,605 Law act. The Collection Companies did FAILED verify my debt or send in the required documents under the 611 and 623 FCRA THEREFORE the Fraudulent information was removed.. Recently these Fraudulent Accounts reappeared on my Credit Report..I 'm requesting these Fraudulent Accounts be Blocked.