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

On XX/XX/18 company XXXX XXXX XXXX via XXXX XXXX   XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018 I did not authorize this inquiry I requested information only I received an email I would be contacted I was never contacted to confirm this inquiry. 
I contacted transunion, and informed the above company would have to send a letter of removal, I then called above company and was told they do not give letters. This unauthorized inquiry has now reduced my credit score.
Product: Credit card

I recently signed up for an American Express XXXX ( ending in XXXX ) credit card that offered XXXX bonus Membership Rewards points upon spending {$3000.00} in 92 days. I completed the spending requirement and American Express has clawed back my XXXX points and refused to provide a reason for doing so. 

I spent a total of {$3900.00} ( confirmed by AMEX ) and did so within 92 days. I was unsatisfied with the product during this time, and thus decided to terminate my relationship with American Express on XXXX XXXX, 2016. However, since the spending requirements have been met and points have been issued, American Express erred in clawing back the points. There is no provision in the Terms and Conditions that state how long a card must be open to receive the bonus.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair reporting act ( FCRA ) to conduct a reasonable rein investigation of disputed information on my credit report leaving in accurate or unverifiable accounts unsolved. The consumer financial. Protection bureau cfpb has recently filed lawsuit. against Experian alleging systemic issues, such as failing to forward consumer provided evidence to furnishers accepting unreliable responses
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMONE USED MY SOCIAL AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Checking or savings account

Chase denied my claim for driven collision for XXXX even tho I lost my card and reported it in the timely matter. How can you get done with an investigation in XXXX  days I dont understand chase uses some XXXX workers that barely understand how fraud works. And on top of that the representative that filed my claim didnt even put that I lost the card and he didnt even filled a few more dispute included in the fraud but Im not even worried about that I want my money back! I will stop using chase after I get my money back
Product: Credit reporting or other personal consumer reports

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE FOLLOWING INFORMATION WITH TRANSUNION, AND UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED TO THIS DAY. 

TransUnion : XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I received a strange letter from Chase Bank. It states : IMPORTANT : You or a joint owner DECLINE Chase Debit Card Coverage. This was pertaining to an alias account of Debit Card XXXX which is now account ending in XXXX. I never opened this account and again Chase Bank refuses to disclose who are the entities compromising my account without my authorization and then closing the accounts in my face. Then I received an email asking me to log into an alias account that then they say is closed to avoid getting paper statements. Like they are antagonizing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus are reporting inquiries that I have no knowledge of. I wasn't extended any credit from the below listed companies. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX  XXXX-XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX Request I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX : Account Name : 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 Balance : {$130.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

Thank you for your prompt attention to this urgent matter.
Product: Vehicle loan or lease

The vehicle was repossessed and I wasn't sent a XXXX letter and the vehicle is still on my credit report
Product: Credit reporting

I HAVE NEVER HAD A " TIMESHARE '' WITH ANY COMPANY- I HAVE DISPUTED WITH EQUIFAX SEVERAL TIMES IN REFERENCE TO A COMPANY NAMED XXXX XXXX XXXX THAT HAS MY SOCIAL AND IS REPORTING AN ACCOUNT THAT DOES NOT BELONG TO ME. I HAVE FILED A POLICE REPORT AND THEY REFUSE TO COMPLY WITH THE AUTHORITIES.
Product: Checking or savings account

I have had an account opened in my name with TD Bank. 
They had opened a Debit card/checking account. I do not have any account with TD Bank at this time.
Product: Checking or savings account

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I contacted Marcus Savings and Investments. I requested trade confirmations and the company said they could not provide them. They said the investment side of the Marcus Savings and Investments was sold and transferred to a company called XXXX. 

I did not know XXXX, so I opted to have the investments transferred to XXXX. 
Since the financial products were not transferable, I sold these investments. 

So, I need the records of the sale of the investments and the purchase price of the investment I made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX / XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX UNIVERSITY Account # XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX COLLECTION Account # XXXX XXXX Account # XXXX has violated my rights. 
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
Product: Debt collection

Bank of America took {$3700.00} cents off my bank account on XX/XX/year>, they never notified me about my bank account been garnished, the funds were sent to the XXXX XXXX XXXX department, after that I got mail saying they I had a hearing on XX/XX/year>, I had to fill out a claim of exemption, I went to court and the other party didnt show up, the judge granted my claim of exemption, I have a paper signed by the judge they says Im supposed to get a refund from the sheriffs department, Ive made multiple calls to the sheriffs department and they have told me that they sent the funds back to Bank of America so Im tired of calling back and forth Bank of America tells me I have to call the sheriffs department and the sheriffs department tells me I have to call Bank of America I dont know what to do anymore hopefully I can get helped.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX -- -INQUIRIES -- XXXX - XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICITM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE ME. THEY STOLE MY PERSONAL INFORMATION AND OPENED A CREDIT CARD WITH BANK OF AMERICA. THE CHARGES THE ACCOUNT ARE FRAUDULENT AND NOT MINE. I NEVER REQUESTED THE CREDIT CARD TO BE OPENED. I HAVE SENT ALL REQUESTED DOCUMENTS TO BANK OF AMERICA AND TO THE XXXX BUT THE FRAUDULENT ACCOUNT IS STILL REPORTING ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

They reported a public record in my credit file that did not belong to me I sent a letter to the XXXX XXXX PR asking for the contract in my name to support the listing on my credit, but it has been more than 30 days and they don't answer like law say. I asked Transunion to investigate and delete this from my credit report for violation and they didn't answer my dispute.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, hereby assert my rights as an individual and consumer, as recognized by the FDCPA and FCRA. My personal privacy, safeguarded by Title 15 U.S.C 1681 ( a ) ( 4 ), has been consistently breached. It's essential to highlight that I have never granted written authorization, as stipulated in Title 15 U.S.C 1681 b ( 2 ), for these transactions to be publicly disclosed. Some of these accounts that were previously removed and subsequently re-added, which is a direct violation of 15 U.S.C 1681i ( a ) ( 5 ). It has come to my attention that despite my efforts to rectify inaccuracies on my credit report, certain accounts have been unlawfully reinstated without proper documentation or justification. Furthermore, my credit card ( Social Security Card ), defined in Title 15 U.S.C 1602, has been utilized without my explicit written consent.

As outlined in Title 15 U.S.C 1681s, the duty to implement administrative measures falls upon your organization. I wish to bring to your attention the responsibility of the involved entities XXXX, TransUnion, and XXXX, as indicated in Title 15 1681 2 ( b ) for their lack of due diligence in maintaining accurate data. The presence of erroneous information on my consumer report, with a data breach has led me to file an identity theft report. I emphasize that, pursuant to 15 U.S.C 1681 c-2 ( e ), these inaccurate accounts must be removed within 4 days of filing the identity theft report, not the usual 30 days. It's important to note that the unauthorized utilization of my credit card, in violation of Title 15 U.S.C 1602, does not confer any benefit upon me, the consumer, in accordance with Title 15 U.S.C 1681s.

I extend my gratitude for your assistance in upholding Federal Law during this recent revelation. This letter serves as an urgent request for the prompt elimination of the subsequent accounts from my credit report : 1. 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
Product: Checking or savings account

A debit card arrived in the mail for a new checking account I did not open. It is with Bank of America. I called the company and they placed a fraud claim and closed the account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the accuracy of the following information on my credit report. In light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX on XX/XX/year>, I am compelled to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. 

Specifically, I dispute the following entries on my credit report : XXXX. XXXX XXXX Inquiries XXXX. XXXX XXXX, XXXX XXXX, CONSUMER XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Account {$300.00} MY ONLY ADDRESS IS XXXX XXXX XXXX AND I HAVE NO EMPLOYER Pursuant to 15 U.S.C. 1681i, I have the right to request a description of the procedures used during your investigation of these disputed items. Your failure to provide this information constitutes a violation of the FCRA. 

Additionally, I insist that you conduct a thorough investigation as required by federal law. It is your duty not to simply accept the findings of furnishers who fail to provide adequate or thorough results of their investigations. 

Please provide me with the results of your investigation in writing, as well as a detailed explanation of the methods and procedures used in reviewing the disputed information. If you can not verify the accuracy of these inquiries or entries, I request that you delete them from my credit file within the timeline mandated by federal law. 

If you fail to resolve this matter appropriately, If you fail to resolve this matter appropriately, I am prepared to SUE! 


Thank you for your prompt attention to this matter. I look forward to your written response and resolution within the time frame outlined in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Document submission for complaints : XXXX # XXXX, XXXX # XXXX, EQUIFAX # XXXX.
Product: Debt collection

XXXX Plaintiff Attorney on Record TBN # XXXX filed a suit against me in XXXX County Court, Precinct XXXX. The first claim is that this case was time barred pursuant to Texas XXXX Code Sec. 16.004 et seq. Texas XXXX Sec. XXXX. The second claim is that this company had no admissible evidence of a formation of a contract. This company has a history of within the CFPB for deceptive practices.
Product: Credit card

My XXXX had a Elan credit card. I am not sure why. she is elderly and is now in the XXXXXXXX XXXX and all her social security goes for her care. I was appointed her Power of Attorney back in 2022 and took over her financial affairs last year. I called Elan to have them close the account out. She has no balance, she has no income to pay and Elan charges a {$99.00} annual fee. My mom has always had excellent credit, I am guessing rarely used the card and I am not sure why she agreed to this or why their is an annual fee on a consumer card. 

The Company told me I needed to fax in her Power of Attorney with a request to close the account. I did that. in XXXX I received a letter stating Elan would need my personal social security number and date of birth to add me to the account. I spoke to my Attorney, there is no reason why I need to be added to the account. I am legally working on my Mom 's behalf. My request was clear. Please close the Account. My Mother has no ability to pay. 

The Company recently sent my Mom an invoice again for her {$99.00} annual fee. Its like you can't close the account because the Company won't be able to collect this fee each year from her. She is XXXX. And again in a XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported that between XX/XX/XXXX and XX/XX/XXXX I did not pay my mortgage and increased my balance by {$2700.00} to {$310000.00}. I called their number XXXX on XX/XX/XXXX and was told my balance was {$310000.00}. I have not been late as its on autopay and yet they have incorrectly reported to TransUnion that I was late. This has caused my credit history to take a hit and my score dropped 102 points. XXXX XXXX XXXX has incorrectly reported that I was late and they should be help accountable for it.
Product: Credit card

I purchased this XXXX XXXX  XXXX XXXX XXXXXX/XX/year> from Home Depot , XXXX XXXX XXXX XXXX XXXX XXXX using both a {$350.00} gift card and the balance {$500.00} on my Home Depot credit card through Citibank services XXXX After months of calls to the XXXX consumer advocate, and several XXXX techs servicing the appliance, it was returned due to a chip in the cooktop presenting an electrical or fire hazard. XXXX XXXX in XXXX AZ picked the defective range up on XX/XX/year>. I was given the option of having a refund check mailed to me which I elected for. On XX/XX/year> i went to the store to confirm my refund and was given a customer refund receipt and told the check would be mailed in 7 to 10 days. It is NOW 31 days and still no check, and the charge is still on my credit card. In fact, I have paid on the appliance even though I do NOT have it. I have reported this to the credit card company Citibank, have disputed it, and am told it is Home Depot who is responsibile. Home Depot has a catch XXXX XXXX- the consumer is constantly referred back to a " care team '' unable to do anything- I called the corporate store in Georgia, only to be sent to the care Team- again no one is able to get a decision maker. Where is my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my credit report on XX/XX/2023 and saw that US Bancorp inquired a hard pull from XXXX. I disputed the inquiry with XXXX immediately and within 24 hours I was given notice that the inquiry was valid. I immediately called US Bancorp and was told that I would need to submit a complaint to the Customer Recovery Department by mail. I informed them that I am not a customer, therefore I have no account name or number. I was told to send the complaint but leave the information blank. This is a recipe for a waste of money, time, and resources. So I decided to come straight to the source to get results. I need this off of my report immediately. I have been building my credit for the past 3 years. I have been very intentional and strategic with every move that I make in regards to my credit. Please look into this for me.
Product: Credit reporting or other personal consumer reports

I was recently reviewing all three of my credit bureaus from XXXX XXXX, XXXX, and Experian. When I noticed that I have some incorrect information on my credit report, referring to my name, occupation, and my address. 

My correct name is XXXX XXXX XXXX. my correct address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, TX XXXX. My employer is the XXXX. 

And according to the 15.U.S.C 1681 there should not be any damages on my report. Thats the defamation to my character.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, someone used my personal information to obtain a number of credit cards and loans. I noticed this loan made through Lightstream DBA Truist bank showing on my credit report in 2023, I immediately filed a report on identitytheft.gov, the account was removed from me credit report but it has recently re-appeared with a new bank name, " Suntrust bank '' again on my report. I have called XXXX and the original creditor and also have mailed them with documentation, I have not received any response nor any proof the loan belongs to me.
Product: Checking or savings account

I'm a XXXX XXXX XXXX  and had two ( 2 ) business checking accounts with Bank of America, and without any give reason Bank of America closed our accounts saying that " After reviewing your bank relationships we have decided to close your account. '' Adding that they did so on the same grounds that we ( I ) could close the account for no stated reason. I was not given a warning of any improper usage or abuse of the account. When called for an explanation they refused to give me any explanation or reasons. They gave me 15 days to stop all transactions on the account. However, having the account funds still available, I can not use the card nor I can a write a check towards the funds available. 
I think this practice is abusive and discriminatory. Please do something.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account currently reports information illegally. Thoroughly investigate and update with lawful accuracy. Below is the account from my credit report : No Category XXXX XXXXXXXX # XXXX
Product: Debt collection

Account Name CREDIT CORP SOLUTIONS IN Account Number XXXX Date Opened XX/XX/XXXX Status Collection account. {$670.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$670.00} Collections is not from original creditor. I do not owe Credit Corp Solutions- ( account # XXXX ) {$670.00}. I never heard of Credit Corp Solutions. I never did a contract with them. 
Futhermore, I am in the state of NC and they can not legally collect in my state for a date that I did not owe for this company. NC is three years of statuatory limitation. Their also reporting inaccurate My understanding is that the Metro 2 Format is the industry standard for reporting, complete, and timely information and that " The data should be reported to the specified definitions in order to process credit information correctly.