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

I applied for credit card account from us bank and was denied pursuant 12 cfr 1002.4 discrimination was the reason I was unlawfully denied also 15 us code 1611 its illegal to deny us credit credit is our right. 15 us code 1691 a and ucc3-302 I should never be treated so inhumane I have been discriminated lied and my right infringed also reporting this to my credit report without my consent is illegal as well
Product: Credit reporting or other personal consumer reports

I received alerts on my credit monitoring system, and noticed a plethora of inquiries that I do not recognize, and have not given my consent toward. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports, and must be deleted immediately. 1 ) XXXXXXXX XXXX account number XXXX XXXX, Equifax, XXXX 2 ) XXXX account number XXXX XXXX Equifax, XXXX 3 ) XXXX XXXX account number account XXXX XXXX, Equifax, XXXX 4 ) XXXX XXXX account number XXXX XXXX, Equifax, XXXX 5 ) XXXX XXXX account number XXXX XXXX, Equifax, XXXX 6 ) XXXX XXXX account number XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

My student loan was sold two different agencies XXXX and Nelnet during a dispute with Great Lakes. This by law is automatic default once the debt is sold. The creditor has defaulted on this loan. The company also plans to continue to collect on a debt they have defaulted on.
Product: Debt collection

Negative credit reporting is appearing on my credit report from State Collection Services, XXXX, Wisconsin. I have never heard of this company and am not aware of any debts owed to them.
Product: Credit reporting or other personal consumer reports

I call Equifax because I couldn't register my account due to an error HN called did the verification through their robot before I could even speak to a live agent.so did the verification was on hold 10 min then I got a agent that I told her I had tried register a account and I got an error HN to call so here I called.then instead of getting to the looking a the code HN she made me verifi my id again which made me a little frustrated then that was done she said their isn't a account with us I got a bit mad and I told her apparently because she didn't hear me tell her the first sentence I told her is upon me trying to register an account I got a error of HN code. She told me not to cop attitude I needed her help I then freak out and told her nope don't need her help I would file a complaint and civil suit that my rights of them having my SS number and me not being able to get my Credit score or file dispute I am suing and was hung up on.
Product: Credit reporting or other personal consumer reports

The incorrect account with XXXX XXXX XXXX that starts with XXXX has not been changed and will remain on your credit report. 

Source : Experian Date Submitted : XX/XX/year> Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX
Product: Credit card

I opened an American Express XXXX rewards account back in 2011. Recently, American Express sold the XXXX loan portfolio to XXXX due to XXXX dropping American Express at their stores. When I recently viewed my credit bureau report with XXXX, American Express is failing to accurately report my credit history from XXXX to XXXX. Specifically, they are not reporting my monthly balance, my monthly payment, or how I paid the account. When I went on XXXX 's XXXX page, others are reporting the same problem. Many are stating their credit scores have dropped by XXXX-XXXX points. Mine has dropped as well. American Express should accurately report the customer 's credit history despite the loan transferring to XXXX. It seems like a really manipulative way to get back at XXXX for not renewing their contract. While I have filed a dispute with XXXX, I believe the Consumer Financial Protection bureau should be made aware of the situation anyhow. Plus, American Express should report my credit history accurately on all XXXX of my credit bureaus. Lowering my credit score could cause me and other consumers to pay higher amounts in interest on future loans.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Aproximately 4 weeks ago Capital One placed a restriction on all XXXX of my Credit cards. Initially I was told there was possible fraud and they were conducting an investigation. After 3 more calls and an email to their CEO I was told it was n't fraud but an internal issue for which they had no explanation or time frame for a resolution. I have still had no resolution except a letter saying they are working on it without explaining what " it '' is.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint, it is another complaint since the first complaint was not handled fairly. 

As stated in the previous complaint I went to car dealerships applying for a car loan using my XXXX number. I did not provide my social security number because I did not want reporting on my personal credit. Despite that all the inquires listed below in addition to the FTC fraud report attached are inquired that are inaccurate on my credit report. Per the FCRA the information on my report must be accurate. If you disagree I would like you to provide me with any information you use to validate this debt on my credit report. 

The following Inquiries I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX TransUnion : 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Checked my credit report today and behold there was a credit inquiry from Institution Information XXXX XXXX BEST BUY XXXX XXXX XXXX XXXX XXXX, SD XXXX whom I never authorized to check my credit report
Product: Checking or savings account

I witnessed bank of america stealing customers money, thats what is happening as we speak.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a debt with experian on a XXXX XXXX XXXX account. I have disputed the item for several months and they have taken no action to remove the item from my credit report. Nothing about the account is reported correctly. I have even attached a letter from my attorney showing the debt was resolved. I want experian to remove the inaccurate account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX BANK XXXX XXXX  ) XXXX Balance : {$900.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX BANK XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

two car loans are reporting under my name that are not even mine, i keep disputing these two accounts from equifax but for some reason these are not getting off of my report. these do not belong to me i have already submitted my dispute and police report to all the bureaus, XXXX  and XXXX are taken off but equifax is very much pain and not helpful at all. please i need your help as a consumer i need your help to have these two inaccurate  accounts removed from my equifax credit, please find attached my documents thank you
Product: Student loan

PHEAA collected my XXXX loan payments, and suddenly defaulted me. I asked why, and they told me I hadnt made a payment in three months. I asked them if theyd stopped billing me, and they shouted at me that it wasnt their responsibility to bill me, it was my responsibility to pay them whether they billed me or not. As a result, my loans are now held by DOJ, and I have a judgement against me by the federal government in the amount of {$110000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter regarding inaccuracies and outdated information on my credit report. After reviewing my credit report from, I have identified several discrepancies, including old addresses that are no longer associated with me.

Specifically, I have noticed that my credit report contains outdated addresses that I have not lived at for several years. Additionally, there are inaccuracies in the reported account information that do not reflect my current financial status accurately.

In accordance with the Fair Credit Reporting Act ( FCRA ), I have previously submitted a request to Transunion, XXXX, and XXXX to have these inaccuracies corrected and the outdated addresses removed from my credit report. However, despite my efforts, these errors persist, which has raised concerns regarding the accuracy and integrity of my credit profile.

As these inaccuracies can have significant implications for my financial well-being and creditworthiness, I kindly request the assistance of the Consumer Financial Protection Bureau in addressing this matter. I am seeking your intervention to ensure that the credit reporting agencies comply with their obligations under the FCRA to maintain accurate and up-to-date consumer information.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies on my credit report. Your prompt attention to this issue would be greatly appreciated.
Product: Student loan

I financed my education through Sallie Mae. My Mom co-signed all of my loans. In XXXX of XXXX, these loans were paid in full. I re-financed with XXXX and my Mom paid some out of her personal savings. 

I received XXXX emails the other day. 

Your Billing Statement Summary Loan or Loan Group Number : XXXX XXXX XXXX XXXX Current Amount Due : {$65.00} Current Amount Due Date : XX/XX/XXXX Past Due Amount ( Pay Now ) : {$130.00} Unpaid Fees : {$3.00} Total Amount Due : {$200.00} Please Note : Any Past Due Amount is due immediately. 
Any upcoming auto debit withdrawals will be noted in your billing statement. 
We may include important messages in your complete billing statement, so be sure to check it every month. 
We are proud to be a partner in funding your future. 
Sallie Mae Customer Care Track and manage your loans easily with our app View and pay loans from your phone or tablet This loan was paid off in XXXX, Sallie Mae has confirmed this but is sending me emails telling me I am past due and they are reporting me to my credit bureau. 

The next email was this one : XXXX : Your Sallie Mae loan ( s ) listed below will be reported as delinquent to the consumer reporting agencies on XX/XX/XXXX. 

Negative information on a credit report may adversely affect your credit rating and can stay on your credit report for up to seven years. 

Theres still some time! Lets discuss your account and help you set up payment arrangements call us at XXXX, Monday - Friday, XXXX a.m. to XXXX p.m., or Saturday, XXXX a.m. to XXXX p.m. XXXX. You can also log in to SallieMae.com or access our app to review your loan and make a payment. 

Sincerely, Sallie Mae Loan Number ( s ) : XXXX I have no idea what loan number XXXX represents. I called Sallie Mae and spoke with a XXXX XXXX XXXX who advise me that loan XXXX was paid off but she couldn't tell me why I was receiving emails. 

She then said there is a loan XXXX -- I know nothing about this loan and have received no information regarding this loan via email or mail. She claims it was dispersed in XXXX of XXXX but has failed to provide any documentation supporting this loan. 

I am not being treated fairly here, I am being sent emails about an account that is paid in full telling me I am delinquent, but then they say that is paid in full. They they tell me about another supposed loan XXXX which I know nothing about. They say they have been emailing me, I have asked for proof of these emails but they have not sent anything. 

I dont believe this loan is legitimated, and I dont feel that I should be reported to the Credit Bureau when there is a dispute going on. They have been paid over {$35000.00} for these loans. 

I demand justification. I have asked XXXX for my financial documents. 

Please help me, the way I am being treated is horrible, and no one is helping. They refuse to send me anything to support his {$8000.00} loan. 

I refinanced my loans at a much lower rate, don't you think if I knew about this one I would have included it. 

Please help.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B YOU MUST REMOVE THESE FRAUDULENT INQUIRIES. INQUIRIES THAT ARE FRAUDULENT ARE : XXXX XXXXXXXX XXXX XXXX XX/XX/year>, XXXXXXXX XXXX  XX/XX/year>, XXXX  XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year>.
Product: Debt collection

I have received a charge on my credit report that I owe {$5700.00} for rent for the year of XXXX to XXXX XXXX that was transferred to XXXX XXXXXXXX. 
This amount is placed for collections without my consent. 
I did not live nor rented any apartment during that year as I lived in California since XXXX of XXXX. 

Please review this charge and investigate this mistake. 

I am attaching a letter from my landlord in California.
Product: Credit reporting or other personal consumer reports

Requested removal of credit inquiries unauthorized by me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Spoke with all the creditors & they have no record of inquiries. No authorization from me to do so. However, when speaking with representatives from each bureau they claim it's verified, but unable to provide verification.
Product: Debt collection

Fair collections and out is fraudulently reporting a collection on my credit profile after a full payment was made to XXXX XXXX which they failed to remove from my credit
Product: Vehicle loan or lease

This car was purchased at the end of the lease. Payments were confirmed received, but the company continued to ask for more payments, which they were unable to explain. Finally resolved payment issues on the company side and received a letter on XX/XX/2023 stating " ... that your liability under the above referenced lease is considered 'satisfied in full '. '' On XX/XX/2023 when speaking to a customer service manager of Kia Finance, I was told the account would be closed within a week and I would receive the title. The title was received and dated XX/XX/2023, but the account was never closed. A letter was then received from a different location of Kia Finance in XXXX XXXX XXXX, California stating that the lease is expired and that I have defaulted. Customer service continues to escalate internally, but there has been no resolution on why they are not able to close the account internally, even though the title has already been received and the letter confirming my obligations are satisfied was sent over 2 weeks ago. The last letter received stated that " this is an attempt to collect a debt '' which implies this will be an issue on my credit as a result of Kia Finance 's internal disorganization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA
Product: Checking or savings account

O n  X/X/17 , Citibank ema iled a letter to me asking to cash an official check indicating, this can be easily resolved by simply depositing the check or requesting a replacement.     O n  X/XX/17 , I deposited the check at  XXXX  ATM, but re ceived a letter from chase saying that that  XXXX  could not accept a check that is over 6 months old and direct me to ask the Citibank to re-issue the check.     On   X/XX/17 ,  I called the person who open the account for me,  XXXX   XXXX , at  XXXX   XXXX   XXXX , CA location.  XXXX   XXXX  told me who could not do anything for me.  One w ould hope that the banks representative that opened your account would be there to help later. Some call it the moment of truth.  XXXX   XXXX , however, was not willing to assist me at all. I explained to  XXXX   XXXX  that I already spoke with Citibanks customer service and I was informed that the cashiers check has not been cashed and a new check needs to be issued at the local branch.     O n  X/XX/17 ,  I visited Citibank office in  XXXX , CA that is closer to my work. I met with  XXXX   XXXX .  XXXX   XXXX  was not able to resolve my issue and said she will update me with the status on the following day, Friday ,  X/XX/17  and will expect to have it resolved by Monday,    X/X/17 . D espite her promise,  XXXX   XXXX  has not called me at all. My calls to that branch would always be forwarded to  XXXX  customer service that in turn would not be able to assist me.     After waiting for over a week for  XXXX   XXXX  response,  on  X/X/17 , I  called  XXXX  customer service at  XXXX  and placed a complaint #   XXXX    XXXX   XXXX   XXXX   XXXX  with  XXXX   XXXX ,  XXXX   XXXX .  XXXX   XXXX  assured me that an email will be sent immediately to  XXXX , CA branch,  XXXX   XXXX , and the branch  XXXX  and that I will receive a response shortly. To this day, I have not heard back from anyone at that branch.     O n  X/X/17 ,  I went to  XXXX  Bank branch in  XXXX , CA, my current bank. I spoke with the assistant branch  XXXX ,  XXXX   XXXX , about my inability to resolve this issue with Citibank. She encouraged me to get in touch with Citibanks corporate office and to file a complaint with the government.     O n  X/XX/17 ,  I visited  XXXX  location in  XXXX   XXXX , CA. I asked  XXXX   XXXX  to see the branch manager,  XXXX   XXXX , but even though she had no clients in her office, I was told she could not meet with me.     As you can see from above exchange, Citibank and its representatives have been impossible to deal with and have been deceptively promising to call me back with no intention of doing so. Since the Official Check has initiated from my own account and is payable to myself, there is absolutely no reason for Citibank to refuse to help me and treat me in the condescending manner.
Product: Money transfer, virtual currency, or money service

I used Zelle to send {$4700.00} to a potential XXXX. I sent the money in 3 separate transfers on the following dates : XX/XX/2022 | {$2000.00} XX/XX/2022 | {$1100.00} XX/XX/2022 | {$1500.00} The money was supposed to be used for moving in costs on a new potential home for myself and my family. The XXXX started asking for more personal information than what was necessary and, after I addressed the sensitive nature and my being uncomfortable with it, they stopped communicating with me. 

I immediately contacted the XXXX site, XXXX, and had the property listed as fraudulent. 

I contacted my bank, XXXX, first, but they said since I initiated the transfer for services that, they have no protection rights, and they have no recourse to assist with me getting my money back. They gave me the number to call Zelle.

When I called Zelle, the automated line stated that if we used Zelle through a banking app, that I should contact our bank for assistance and to hand up the call. 

Neither XXXX nor Zelle are willing to help me after I've been scammed of almost {$5000.00} I needed to help find a new home for my family. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

DUE TO A CHAIN OF EVENTS, BECAUSE OF EQUIFAX DATA BREACH ( XXXX ). I SWEAR TO TELL THE TRUTH AND NOTHING BUT THE TRUTH IN REGARDS TO THIS MATTER. I HAVE BEEN SUFFERING FROM THE BREACH OF MY INFORMATION./ MAKING POLICE REPORTS/HAVING TO FREEZE MY ACCOUNTS/ MY MAILBOX HAS BEEN BROKEN INTO/CHECKS HAVE BEEN STOLEN/CREDIT CARDS/MONEY ORDERS/DUE TO THIS BREACH. I ASK OF YOU IN YOUR CAPACITY, XXXXXXXX ME ALLOCATE MY EXISTING PROBLEM AND DILLEMMA OF FURTHER LIABILITY, POLICE REPORT # XXXX XXXXXXXX