23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Please see attached document. 

I am opting out of Credit Reporting with Ally Financial.

Any negative remarks on any of my consumer reports should be promptly removed due to reporting to a third party being a direct violation of the Privacy Act of 1974, : The FCRA, 15 U.S. Code 1681b section 2, 15 U.S. Code 1666b, as well as 15 U.S. Code 6802.
Product: Credit card or prepaid card

My name is XXXX XXXX ( XXXX XXXX-business name ). A chase credit card account ending in XXXX was opened via breach of contract by XXXX XXXX XXXX. I did not open or sign a contract for this Chase credit card myself. 

Unfortunately I have not been able to have this fraudulent claim disputed on my XXXX  XXXX XXXX XXXX since XX/XX/2022. I have contacted Chase many times about closing this account ( XXXX times ), and relieving me the responsibility of paying for the fraud transaction. This account continues to be reopened with fees incurred. When speaking to Chase representatives, I am told to make a minimum payment ( Which didn't help my case since it now seems like I wanted this account ), I am told and sent letters that the account is closed ( Which it is not ), or I am transferred through a series of people who are unable to help me ( creating more time to accrue more interest ). 

A company named XXXX XXXX XXXX used my personal info and social security number to apply for cards, Chase being XXXX of them. There was no mention of negotiating with banks for credit cards only. XXXX transferred my signatures used for the initial consultation to all documents to open credit card accounts. XXXX XXXX XXXX was very misleading when they claimed to help me start up my business in order to purchase a building with a loan. I agreed to being able to build business credit, and have all fees XXXX XXXX tax deductible through my business XXXX. 

When I received a transaction amount of {$7500.00}, I tried to dispute this with them and immediately called Chase to begin a fraudulent claim. 

Once I found out they had opened credit cards in my name, I had multiple hard inquiries on my credit report, and was unable to qualify for loans. I have tried to reach out to them over the past XXXX XXXX I went through several representatives at XXXX XXXX XXXX that said they would call back to discuss the dispute. Each one took a different transaction, spoke to me about contracts, and would no longer be in office after the initial discussion. This made it impossible to reach anyone. Names of agents I spoke to but not able to reach after having XXXX interactions- ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Due to the timeliness of this claim and neglect on Chase 's behalf, the late fees and interest are currently affecting my business credit. 

Thank you for taking the time to help in this matter. Attached are documents I was able to gather from the company XXXX XXXX XXXX XXXX XXXX ) and a report made to the XXXX  ( XXXX XXXX  XXXX ). etc. 

As far as the police report, this was a verbal discussion with the XXXX XXXX XXXX, who stated the best way to dispute the unauthorized charges was to contact the business for a refund and there was nothing further they were able to do since I agreed to initially work with the company. 

I contacted XXXX XXXX XXXX  several times via email & phone with no responses or I would receive an email with new representatives that would not contact me.. 

XXXXOther Fraud reports against this company https : XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally express my concern and seek resolution regarding several fraudulent items that have been reported on my credit report. Despite my multiple attempts to address this issue, it remains unresolved. Fraudulent Items : Several items on my credit report are a result of fraudulent activity and do not belong to me. I kindly request that you address these inaccuracies promptly to prevent any further negative impact on my credit score and financial standing. I trust that you will treat this matter with the urgency and attention it deserves. Kindly help me remove the following items immediately : XXXX XXXX  XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX  XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address inaccuracies on my credit report regarding variations of my name. The following entries are incorrect and should not be associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These variations are not accurate representations of my legal name and create unnecessary confusion on my credit profile. I have never used or been known by these names, and their presence on my credit report is negatively impacting my ability to maintain accurate records. 

I am requesting the immediate removal of these inaccurate names from my credit report by all credit reporting agencies to ensure the integrity of my personal data. Please take swift action to resolve this matter.
Product: Credit reporting or other personal consumer reports

I need your assistance with this incorrect account showing up on my credit report. This issue has XXXX impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Product: Credit card or prepaid card

I called to dispute a charge XX/XX/19. The charge was pending a note was placed on the account. I received an ALERT today assuming that charge has posted. I tried calling but AUTOMATED isn't listening to my touchtone reply. I called in the CSR wanted to send me a text or e-nail to verify me. NO! 

Once posted I would receive an E-Mail to log in and attend to for me to file the dispute. 
I have been unable to log in, The dispute is valid XXXX XXXX {$60.00} I paid up front for services not rendered Claim # XXXX
Product: Credit reporting or other personal consumer reports

XXXX cred {$2800.00} XXXX cred {$1000.00} XXXX credit {$930.00} These accounts is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the accounts itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ( CRAs ). 

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1200.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$7200.00}
Product: Credit card or prepaid card

My name is XXXX XXXX. This is related to Bank of America. 

I opened a credit card, name is XXXX XXXX XXXX XXXX. I paid {$95.00} annual statement credit. In signup conditions, they told me I need to spend {$3000.00} to get XXXX bonus points. I verified this information with more than 5 Bank of America agents on XXXX and XXXX, and I also showed them my purchases if they qualify, and all of them told me yes. Now, today, XX/XX/2022 Bank of America agents named XXXX, XXXX, XXXX and XXXX all 4 agents telling me my purchase for airline travel do not count for {$3000.00} while all 5 agents in XXXX and XXXX told me it counted. And now, Bank of America is refusing to give me promised XXXX points. 

Actions taken by me, I spent with my card for {$3000.00} in first 90 days Actions taken by Bank of America : they refused to give XXXX bonus points even I met conditions
Product: Money transfer, virtual currency, or money service

On XXXX I received a notice from my bank for a transaction in the amount of {$950.00}. 
I called the bank immediately to let them know that I did not do that transaction, as I am speaking with the fraud department a second transaction in the amount of {$680.00} occurs. I let the person on the line know and she responded that she could see the transaction going through. The bank refunded my money but is now saying that it was an authorized transaction, and they would be deducting those funds from my account. Apparently, the transactions were XXXX XXXX.
Product: Credit reporting or other personal consumer reports

TRANSUNION Date : XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : XX/XX/XXXX I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681 I, that you investigate these accounts. 

Account Name Account Number Reason XXXX XXXX This collection is not my account. 





I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. 


Thank you for your time and attention to this matter. I look forward to hearing from you soon. 




( Please sign here ) Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX, TX XXXX
Product: Credit card

I did a balance transfer over a year ago from XXXX to Capital One. Capital One wrote a check to XXXX auto department. We do not have an account with their auto department. A mistake on Capital Ones part that they have admitted. XXXX did an investigation and found that it went to the wrong department so they wrote another check to Capital One. Capital Ones auto department cashed that check. Again we do not have any accounts with any auto departments. Another mistake on Capitol One that they have admitted. We have done another investigation and they confirmed they cashed the check but since then they say they have sent 4 checks back to XXXX but XXXX have not received anything and Capital One will not provide proof of the checks they say they sent. XXXX is now trying to hold us responsible saying we owe them the money and have been charged with late/interest fees. Capital One still has my money and will not fix their mistake. This has been very time consuming and stressful. Capital One has been very rude and unhelpful.
Product: Payday loan, title loan, or personal loan

I had been in an incredibly tight situation where I applied for a loan of {$500.00}, and I received a statement stating that I would have a loan with an APR of around 39 percent. I thought that was fine because my credit is terrible, but I couldnt download the PDF, but it didnt matter because I was in a state of urgency to cover unexpected expenses. 

I saw that my total cost for the loan would be {$1000.00} and some odd change. I however, on signing, could not log into my account for two days, could not verify anything, tried to correct an incorrect payment date on the email I received and on logging back in, I saw that the loan amount was for {$3200.00} and the APR skyrocketed to 762 % I tried to correct this, I looked into them on the XXXX XXXX XXXX, and every response theyve given to anyone complaining about their experience has been about how theyre on tribal grounds and thus exempt from the surrounding laws and cant be touched. They tore XXXX XXXX XXXX from me and I cant get it back, I managed to block their payments after they were eating the entirety of my weekly paychecks as XXXX XXXX XXXX but it still got so much that I havent been able to pay rent for the past two months I want to go through and find a way to make sure they can never do this to anyone else and this complaint is one of the ways Im trying to do exactly that
Product: Mortgage

XXXX To : XXXX XXXX Mr. Cooper Customer Relations Specialist Please investigate and fix my Mortgage Principal Balance. Do not reply just for the merit of replying. This is my Third Request. 


REFERENCE : XXXX Wrong Increased Mortgage Loan Principal Balance. 

PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX MORTGAGORS : XXXX XXXX PLEASE SEE DOCUMENTATION ATTACHED THAT VALIDATES MY ARGUMENTS ABOVE. PLEASE INVESTIGATE AND FIX MY MORTGAGE PRINCIPAL BALANCE IMMEDIATELY. 

XXXX XXXX this a response to your email I received on XX/XX/XXXX, on my personal email XXXX. 
1. You incorrectly stated, Regarding the interest rates of this loan : On XX/XX/XXXX, the starting interest rate was 6.625 %. '' The interest rate on XX/XX/XXXX. XXXX to the present is 3.750 %. 
2. You incorrectly stated, The prior lender was XXXX XXXX XXXX XXXX Please see the XXXX Mortgage statement from XX/XX/XXXX. Please, be advise that this statement has the wrong principal balance. 
3. On XX/XX/XXXX Nationstar/Mr. Cooper got the loan from XXXX Mortgage and raised my fixed interest rate from 6.625 %. to 6.63 %. 
4. On XX/XX/XXXX Nationstar Mortgage changed my interest rate to 4.750 % after I was already approved for interest rate 4.625 %. 
5. Please see the payoff demand statement from XXXX from XX/XX/XXXX. The total amount to release my mortgage loan was {$270.00}, XXXX Please investigate before responding to me as this is the second letter response without an attempt to fix the problems in my principal loan balance. Please fix my Principal Balance immediately as requested on my previous letter dated XX/XX/XXXX. 



Thank you, XXXX XXXX XX/XX/XXXX
Product: Debt collection

I used this account for years and then I had a charge I was trying to dispute and I contacted XXXX for months as the charges were not mine and they ignored it and continued with the collection efforts. I have been trying to resolve this for over a year now and I eventually just stopped making payments on it last year. The only reason I kept paying was just so it doesnt hurt my credit which now of course it has. This has impacted me greatly and I dont know who else to turn to, this card was originally mine but the debt on there is not. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis continues to report erroneous information to my creditors and I don't know what else or who else they are reporting this " bogus '' information to but I've contacted them XXXX ( can't even count how many times over the last few years ) to try to get them to correct their " bogus '' information reporting. 

Again, I have " never, ever '' lived in XXXX and don't know why this address in XXXX keeps coming up on my information when I'm not aware of the exact addres they have on file nor have I any connection with anyone in XXXX, TX. 

Futhermore, I have " suppressed '' this due to the fact I could not seem to get anywhere with this " giant '' bureauocracy of more than 10,000 according to XXXX. They are illegally selling my information that is supposed to be " suppressed '' due to inaccuracy. 

What happened : I tried to get into my " XXXX '' membership today only to find they have gone to " verify '' online and evidently their " verify '' online is a tied to Lexis Nexis as they are the ones that I dealt with a few years ago and " suppressed '' or so I thought this erroneous data being sold off to other 3rd parties illegally. Either that or XXXX has " opted in '' to online data 3rd party furnishers that are getting their " bogus '' info from Lexis Nexis. They are illegally selling my information that is not eve " my '' information but is " bogus '' data that somehow ( probably a scammer ) ended up on my Lexis Nexis. I don't want a " lexis Nexis '' acct but there is " NO WAY '' to SUPPRESS their total disregard for accuracy @!!!
Product: Credit card or prepaid card

Bank of America took away the option to set a fixed amount other than the minimum payment due or the entire balance due on its autopay function. Although under info it says you can set a fixed amount of your choosing for monthly auto pay, when you go to the drop down menu for autopay options, only minimum monthly or entire balance appear. I called BoA 's customer service on XX/XX/23 to find out why fixed amount did not appear in the options for autopay in the drop down menu and she said " they took that option away, you can only set autopay to pay the minimum monthly payment or the full statement balance. '' I asked her to file a complaint about it and she said my complaint ID was " XXXX. '' I think it is unfair to remove the option to set a fixed monthly amount of your choosing for monthly autopay and meant to make the autopay function meaningless so people miss their payments and they can charge them more fees. I have a 0 % interest balance transfer and I want to set a fixed monthly payment to pay down the balance before interest charges kick in a again, but because I can't set a fixed amount on autopay, I am forced to login every month and make a payment.
Product: Credit reporting or other personal consumer reports

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX 7. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent.

o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

8. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

9. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

10. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I had made a purchase from a company called XXXX which was a huge mistake, they turned out to be very shady n liars, I was charged the XXXX for pulse oximeter n was unaware of being charged more then that, I was unfairly charged for XXXX which that merchant refuses to give me back n I disputed it with the credit card company, the package was refused from the post office and an rma number was written on the package, and was sent back, the package couldn't be confirmed delivered back to the merchant according to the post office because of it not being scanned n I have no control over that n the credit card company initially give me the refunds back for XXXX n XXXX but then reversed the credit n put the charge back on my account for XXXX n that is extremely unfair that the credit card company wont reverse the credit charge n credit me back the refund of XXXX n they closed my case very unfairly n I want to dispute this n make a complaint against them and that merchant is very shady n each time I try to resolve this they constantly lie to me n refuse to give me back my full refund and they are a very unscrupulous company and I wish I never purchased anything from them.The package was refused from the post office, and I have no control what happens with the package, the tracking number was on there, so either the package got lost or the merchant is lying about the package not being delivered because that merchant lied to me numerous times over the phone about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to have the correct information regarding a government overpayment on my account made accurate. Instead of doing that, transunion updates it incorrectly repeatedly and absolutely destroys my credit score in the process. Months later my score is still 50 points lower and they all but ignore my disputes or just update incorrectly. It 's infuriating and I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, XXXX XXXX XXXX and XXXX XXXX services has violated my rights. 
These cards were not in my possession at the time of the accused late payments. 

Furthermore, 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.