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

In accordance with the fair credit reporting act the follow, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Re : Acct # XXXX This letter is regarding account XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}, which you claim I was 30 days late. I am disputing these items are inaccurate. 

Re : Acct # XXXX This letter is regarding account XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}, which you claim I had been 30 days late, 60 days late and 90 days late. I am disputing these items are inaccurate. 

Re : Acct # XXXX This letter is regarding account XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}, which you claim I had been 30 days late, 60 days late and 90 days late with 150+ days late. I am disputing these items are inaccurate. 

Re : Acct # XXXX This letter is regarding account XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}, which you claim I was 30 days late. I am disputing these items are inaccurate. 

Re : Acct # XXXX This letter is regarding account XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}, which you claim I was 30 days late. I am disputing these items are inaccurate. 

Re : Acct # XXXX This letter is regarding account XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}, which you claim I had been 30 days late and 60 days late. I am disputing these items are inaccurate. 

Re : Acct # XXXX This letter is regarding account XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}, which you claim which you claim I had been 30 days late. I am disputing these items are inaccurate. 

Re : Acct # XXXX This letter is regarding account XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}, which you claim I had been 30 days late and 60 days late. I am disputing these items are inaccurate. 

Re : Acct # XXXX This letter is regarding account XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}, which you claim which you claim I had been 30 days late. I am disputing these items are inaccurate.
Product: Credit card

A scammer ordered a Chime debit card by utilizing my social security number and an old address. Chime delivered the card with XXXX Bank without utilizing any kind of credit verification ( no soft or hard credit pull ) and therefore i was never notified that a card was issued in my name. 

Luckily the renter picked up the mail that day so the scammer could not come by and swipe the mail out of the mailbox in time and held onto it. 

I called Chime and informed them of the fraudulent account and verified my information with them. They immediately closed the account and referred me to check my credit reporting for any irregular reporting. I informed them they they as a technology company and XXXX failed to perform a soft credit check to inform the consumer whom was being scammed and therefore if the scammer had in fact managed to grab the card, then I would have never known about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit bureau and they said it came from XXXX XXXX and then XXXX XXXX said that they don't have any record of the bko in their system
Product: Credit reporting or other personal consumer reports

In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( CAPITAL ONE XXXX, CAPITAL ONE XXXX )
Product: Debt collection

I checked my credit report and there was a collection from a company called rent debt collections. For past due rent in the amount of XXXX. I called and asked where this was from they said from my old XXXX XXXX XXXX XXXX apartments. I was never notified of a debt until after it was on my credit report. My lease was up in XX/XX/2023 I reached out to the rental company several times about renewing my lease, and since I never got a response, I vacated the premises. I received an email in XXXX stating that my lease wasn't going to be renewed. I was being charged rent for an apartment I already vacated. Three was no rental office on the property anymore so there was no one to talk to the situation.
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  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX BANK AND XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX XXXX Account Number : 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I reviewed my credit reports with all three major credit bureaus and discovered there were fraudulent accounts on my credit report. I am positive that my credit file is mixed with someone else with a similar name due to varying names on my credit report. I researched how to accurately remove the items and wrote three dispute letters to each credit bureau with affidavits and the supporting documents. I mailed each letter via certified mail with tracking numbers and gave it the appropriate amount of time according to the Fair Credit Reporting Act. Each credit bureau has 30 days to investigate and update and/or delete the disputed items. When I checked the tracking all items were still in transit and last reported in the city for each credit bureau.  XXXX PA, XXXX, GA and XXXX, TX. In the month of XX/XX/XXXX, I reviewed my credit reports and noticed 2 of the 3 fraudulent items had been deleted from 2 of the 3 credit bureaus. I completed another dispute letter, an affidavit and supporting documents for the remaining  fraudulent items for tracking XXXX, XXXX and XXXX. The listed certified tracking numbers were delivered on XX/XX/XXXX. This process has cost me another {$77.00} by this point and countless duress during my XXXX right now. It has been more than 30 business days again and there has been zero correspondence with each credit  bureau. I sent an additional manual dispute with affidavit with tracking XXXX and it was delivered XX/XX/XXXX. These fraudulent items need to be deleted from my credit file since 2 of 3 bureaus have already completed the process and updated my reports. I am trying to move into a bigger home at the end of this month (  XX/XX/XXXX ) before I have my daughter and it is imperative this is completed to prevent further duress during this XXXX even more with COVID-19 going on. I am filing a formal complaint with the CFPB today to get this matter resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat A payment on a student loan account any open end consumer credit plan as late for any purpose.

Again, attempted to communicate with the company and was provided a very generic response
Product: Debt collection

Suttell and Hammer, APC filed lawsuit claiming to represent XXXX  XXXX XXXX for alleged credit card debt, however they are not cooperating by ignoring discovery rules, not filing mandatory forms, allowed XXXX XXXX XXXX, unknown attorney and possibly a newly appointed judge appear at initial trial conference XX/XX/XXXX and ask for a non jury trial. The court set the trial date with this attorney who did not sign the complaint, is not employed by this firm, in fact is sole proprietor of her own law firm. Certain documents I mailed in a month ago werent posted by court clerk until I sent 4th sets with confirmation signature, court rules are clear. Before a trial is set theres a list of things required. I had car trouble that morning car wouldnt start so I missed the hearing, however the judge had a choice to excuse parties from appearing and utilize the mandatory trial conference form instead. The court rules say its mandatory however the opposing attorney did not file one. He filed an at-issue memo instead. Mandatory due to Covid form is required plus he wasnt there. This firm has been suspected of running a sophisticated scam by working with XXXX and XXXX XXXX collection agency to produce old debt in high volumes to use the courts to get judgements to collect money with proving the debt is owed by consumer. XXXX complaints signed by robo signers never signed by attorney or even looked at by attorneys. They lie claiming they are retained by XXXX  XXXX XXXX. The fact that they are attorneys the consumer assumes or is under the impression they cant win, and dont answer the complaint. Well I did answer but how a court grants a trial based on no discovery no contract agreement with my signature not even a bank statement!?? Is beyond me plus to an attorney not a party to lawsuit. Im being denied due process of Law. Substantive. Plus Im judgement proof and attorney was sent proof. He knows I do not have anything but social security benefits, no property, assets, retirement no XXXX savings nothing. He knows I have been permanently XXXX since XX/XX/XXXX yet hes clearly planning to take my government SSDI benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that there were two bankruptcy filings under my name. I am the victim of ID theft, and someone filed taxes on my behalf and opened up accounts and got cars. I filed form 14039 with the IRS regarding this. I also found that there were two bankruptcy filings -- -One filed in XX/XX/XXXX with an attorney. I contacted the attorney and was told the bankruptcy was dismissed because the person who tried to file for bankruptcy was attempting to use the bankruptcy to stay a repossession that had occurred and that when he found out that the person was not me and was using my name fraudulently, he dropped the case. It appears the case was dropped because whoever stole my identity could not come up with the XXXX tax return. On XX/XX/XXXX, it seems the person attempted another bankruptcy filing this time without an attorney but Pro Se. This was also dismissed. 

I contacted the bankruptcy court to see how to get these removed, and they furnished me a letter stating that these bankruptcies did not go through, and they did not furnish this information to the credit bureaus. I have sent this letter to the credit bureaus and XXXX XXXX, and nothing happened.
Product: Credit card

Please examine the attached documents. I request the bureau to investigate these accounts, as they inaccurately label me as delinquent despite my consistent punctuality.
Product: Credit card

I just got approved for a Citibank AAdvantage credit card, and started to use the card as for XXXX for local food purchases & lodging. On XX/XX/XXXX, they had locked my account due to their faulty " early warning fraud detection system ''. The card was never used abroad, online, or used in a manner that would cause the fraud algorithm to lock me out of my account. I have made an attempt to call the fraud department to unlock the card, but they weren't able to unlock my card due to their system not being able to send an SMS verification. They also asked if I had landline, or other phone number for verification, but I never added/attached another phone number to my profile so that was confusing as well too. I asked whether I could have my identity verified at a local branch, but they said not a possibility. They finally said you have to wait for a verification letter with a code that would take 7~10 business days to arrive via USPS mail . I am truly astonished by Citi resorting to this kind of archaic verification method. Mind you I have many other credit cards from other competitors, and they were not nearly incompetent as Citi was. The most annoying/aggravating part is even though the card is locked, I'm still able to use the pay button to pay off the " so called bogus fraudulent '' charges I made, via onlineXXXX  app. One would think if Citi was really trying to protect their customers, they will put a full lock on the card, and not the other way around.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit XXXX  continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I began disputing an inaccurate bankruptcy on my credit file with Transunion. Transunion claimed to have investigated the item and stated the information was verified and is reporting as accurate. Then in subsequent letters, Transunion stated that XXXX XXXX was their source. I then disputed with XXXX XXXX who eventually and rightfully so, deleted the unverified information from my credit file. They sent me an updated letter and credit report to reflect the changes. I sent the result proof of the removal to Transunion to show the changes from XXXX XXXX, Transunion refuses to remove the unverified item, even after the company that sold them this information has removed the information themselves. They are still claiming that their investigation shows that the information is accurate.
Product: Student loan

XXXX XXXX  predatory lending practice XXXX haven't got a notification or refund. This school promise to have a job in my field and making the money in six months. 
This was suppose to be remove completely off my credit and it hasnt
Product: Checking or savings account

I have had so many problems with Wells Fargo bank that it sad that Wells Fargo bank are taking advantage of the consumers that has trusted Wells Fargo bank with their money and especially mine I am XXXX and I thought that this banking institution would help me succeed and help me to become financially stable surely this is not the case. As a Wells Fargo bank instead of helping the consumers to become financially stable it has caused even the bankers at this institution to force those bankers to open up fake accounts with the consumers permission. With out authorization from the consumers knowledge. It's a total disgrace for this institution to take advantage of the consumers as well as my self taking advantage of me as a Wells Fargo customer. This is not professional by any means. This institution has been sued for discrimination and has been sued for forging people names on documents opening fake accounts with out the consent of those consumers knowledge. So after all of these things happening with these banking institutions to this by no means this should be justified and in all reality this is how the consumers are as well as myself being taken advantage of by these banking institutions and I know that slot of bankers are up under pressure to open 8 accounts with out the authorization of the consumers knowledge. The consumers has lost confidence with these bankers at Wells Fargo. Surely if a person is XXXX and maybe suffers with XXXX  and XXXX  XXXX that no consumer should be treated unfairly and to be taken advantage of by these banking institutions. Now we see and are in a pandemic now this institution is waiting to bring their families problems to work and to treat the consumers any kind of way. And taking their problems out on the consumers. Saying that they are not the one and gagging up on the consumers in their ears. And maybe trying to how hard they can be to the consumers and maybe the bankers at Wells Fargo bank is trying to impress a female banker or a man at Wells Fargo bank. Maybe this how these institutions are making their money by taking advantage of me And other consumers. Now I just want to let you all know that Wells Fargo bank sent me {$25.00} cashier 's check and I haven't signed the check because if I would have cashed that check it will be like that I have given them the permission to take that {$290.00} cents for that checking account. I know that maybe this institution may think that I am XXXX or maybe even slow or maybe this institution may think I am XXXX  and maybe they think I am a alien or whatever. But I do know this I know when I am being taken advantage of just like the other consumers as Wells Fargo bank has done me And other consumers as well.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

XX/XX/XXXX Affirm charged to my XXXX account a fraudulent hotel charge. One payment was automatically charged. 
I notified them numerous times this charge was fraudulent. Have NOT received documentation or any supporting documents, only notices that my account was delinquent. 
They have not tried to resolve issue, but have degraded my credit report. 
On XX/XX/XXXX I filed a FTC report regarding a serial internet hacker who possesses a $ XXXX patent for internet security. I feel confident, with not only this issue but others, that I am repeatedly victim to this PREDATOR. 
Unable to sign-in to FTC account , password recovery does not appear ( redirected ). 
Need personal representative help/assistance.
Product: Credit reporting or other personal consumer reports

My concerns arise from discrepancies between the information reported and my knowledge of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons As defined in 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

I do not recall opening or transacting with the entity associated with this account. Also Possible Fraud Given the lack of recognition and the absence of verifiable information, I suspect this account may be fraudulent.
Product: Credit card or prepaid card

In order to help out my brother, to help improve his finances, we called Wells Fargo Thursday XX/XX/XXXX to stop his ability to get cash advances through his credit card. The idea is to plan ahead, understand what one should do, and make a long term decision with the credit card company, to hinder ones ability 'in the moment ' to compromise and give in to getting a cash advance.

Wells Fargo refused to do this, saying they couldn't. I don't believe them. If they can increase limits, they can also decrease limits, and they can stop ability to do advances. They just don't want to.

I called again on Saturday XX/XX/XXXX, with my Wells Fargo credit card account. I asked for them to stop and freeze my ability to do cash withdrawals. They refused and said they couldn't. I asked for them to lower my cash advance limit, to an emergency type of level ( like {$100.00} ). Again they refused and said they couldn't.

I believe it is right and proper for consumers to have the ability to reduce ones limit for cash advances. We already have the ability to limit total credit limits.

Credit card companies make it too easy for people to access and make cash advances ( and they charge them exhorbidant interest rates to boot ). I believe this preys on people 'in the momemt ' and offers them quick cash in the moment. While they state the interest rate, not all consumers understand this, and the 'fine print ' of what the credit card companies charge ( 25 % interest, interest daily and immediately ). I believe it is in the consumers best interest to have the ability to limit ones long term access to cash advances. What are the credit card companies afraid of? THey make obscene amounts of money off cash advances and don't want this golden goose cut. It's just not right. Consumers should have the option to limit it for themselves and others who hold their credit cards.