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

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX Balance : {$28000.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Bureau has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items, causing harm to my credit standing. I'm requesting immediate corrective action to removed or amend the disputed accounts, as Experian 's inaction violates Federal Laws and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. 
Examples : .1 I did not authorize this inquiry Company Information : XXXXXXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX  : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Information XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XXXX Company Information : XXXX XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX Company Information XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX SVC Date of Inquiry : XX/XX/XXXX 2. The following inquiry is more than two years old, and I would like it removed I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. Please note that you have 3o days to complete this investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Receiving service charges in all my accts when we didnt have them, would this be considered truly easier transitions? This fee will automatically be waived if any individual associated with your account is 65 years or older. You will no longer be sent statements for CDs Age more than XXXX and all our accts none are CDs, truly wonder why the service charges? When no images included. The account types chosen for me in its transition may vary to the wrong type of accts for our acct needs. We had acct statements and check images. Now no images are included without bmo taking {$3.00} image fees or statement fees. It is not honoring the accts we had before BMO purchased our previous bank, Bofthe West as it had promised in their communications before their acquisitions. An earlier comment concerning this likely was removed by Bmo, BoftheW, or? With images showing the concerns so, now no images included so, the messages are gotten across without it being removed ; wasting clients time, communicating again and again, lost count, the concerns already shared during the prior days still with no amends for all the time bmo wasted clients ' time, calling them, speaking to its unfortunate workers how ever many times. Our accts fees were not automatically waived as promised in its communications with us with us calling on every statements that came, now missing tge images, only statements, again, which was not how we had our accts prior to Bmo, the concerns are all still with out any full resolve truly
Product: Mortgage

My amount different for principle I paid {$510.00} over the phone date XXXX but showing only {$480.00} My loan transfer from XXXX XXXX in XXXX. I did not request for Pay off, I instructed cooper do not issue payoff with out my approval. Pay off amount should added when closing happen, i am not satisfy with Mr Cooper the why doing business.
Product: Money transfer, virtual currency, or money service

The person used another person 's pictures and made up a fake name and talked me into investment trading of cryptocurrency and then took my money from my account illegally. He told me his name is XXXX XXXX XXXX or XXXX XXXX XXXX, his phone number is ( XXXX ) XXXX, he lives in XXXX, and owns a house and drives a XXXX car. From talking with him, I think that he is a person from XXXX, and he works with this XXXX XXXX XXXX application, and uses his fake identity to trick people to invest in cryptocurrency with him and then stole their money. He asked me to transfer money of {$85000.00} dollars to my coinbase account, and then transfer to a XXXX online website application called XXXX XXXX. He helped me with trading investment, but after the transaction is done, I could not withdraw money from my account and my account got disabled. And then he asked me for another 35,000 and also threatened to kill me many times. Met this unknown person on the XXXX application. Said his name is XXXX XXXX XXXX and XXXX XXXX XXXX and that his birthday is XX/XX/1986. Also stated that he lives in XXXX XXXX XXXX and drives a XXXX XXXX. Talked me into investment of cryptocurrency, and transferred investment money of the amount {$86000.00} from my Coinbase to a XXXX online website called XXXX XXXX. After helped me with trading, my account was disabled and I could not withdraw my money back to my Coinbase. Please help me with this fraud scam, because it is a large amount of money loss and also he can continue on doing fraud and scam to other people with more money. of my supposed account on XXXX XXXX, for which I think the numbers were set up. Because I thought my investment money was transferred to my account on this application, but I think when I asked the transfer address from this customer service, they must have given me the fraud scammer 's wallet information, so that my investment money was actually transferred to his account. as I thought I have investment money in my account on this XXXX XXXX and was withdrawing the money back to my Coinbase, my account got logged out and I could not sign in nor withdraw my money. This unknown person is from XXXX and his name may be XXXX and that his birthday may be XX/XX/86. He used a phone number XXXX and said that he lives in XXXX and drives a XXXX car. This unknown person can be in the XXXX and not in XXXX, because XXXX does not legalize for cryptocurrency investment and he has the XXXX account to get the transfer address and took my investment money illegally. The most important thing is the large amount of money {$86000.00} that I have lost, I wish that you could help return back to my bank account. This unknown person used fake identity name and pictures and talked me into investment trading, tricked me to transfer the investment money to his account, asked for more and threatened me if not.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equixfax & XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

i got a call from XXXX the man said My Name : XXXX XXXX XXXX i said whos calling please he said No i need the last XXXX digits of your Social Security Number and then ill tell you who i am! I said NO you will tell me who you are and what company your calling from sir before I 'll release any information to you! he said NO i will tell you that after you confirm the last XXXX of your Social Security numbers! i said NOT happening your NOT getting my personal information, i do not know who you are and what company your calling from so tell me that please! He said again No mame i need you to confirm the last XXXX of your Social Securtiy numbers so i can confirm i have XXXX XXXX XXXX on the phone! I said NOT HAPPENING SIR. GOODBYE IM REPORTING YOU! i got very upset knowing this could be a identity threat call so i blocked the number and told my husband cause im elderly and XXXX both. my husband unblocked the number and called it back to see if someone would answer and he could find out who these people where harassing me for my social security number. they answered B.C.A. finacial services and told my husband this number we have for your call is XXXX XXXX and give us the last XXXX of her social to confirm its her! my husband said NOT HAPPENING thats illegal to not disclose who your calling for and your name sir and he told my husband it was a financial matter meaning a collections for a dept. well my husband told the man that he was reporting them. i looked at XXXX of my collections papers that 's all i owe as of now and i did have on for BCA financial services, Inc a debt collection company for {$75.00} but the numbers to contact them on their paper is XXXX or XXXX not the one that called me and this is for a old emergency bill for XXXX. original creditor. for XXXX there address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Florida XXXX im really concerned that someone can just call and ask for your social security number. he did said it was a recorded line. I got the call on my XXXX cell phone number. My other concern is that people who go into collections from that nice hospital here can have their identify information possibly stolen. Thank you for your help and concern in this scary situation. XXXX XXXX you can reach me at XXXX or XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00}, XXXX XXXX Balance : {$0.00} & XXXX XXXX Balance : {$8800.00}
Product: Prepaid card

I received two gift cards for my birthday. The first one had {$150.00}, and the second had {$500.00}, both purchased from XXXX. When I opened them, both cards only had 12 digits instead of the required 16. I contacted customer service, opened a case, and submitted the required documentation. They provided a case number, but since then, there has been no further action despite multiple calls and emails. I have all the receipts and documentation.
Product: Checking or savings account

Captial One has held on to everyone 's deposits for days. They have a technical issue and people are having late fees add up, unable to pay bills and just general stress and anxiety over not having access to their funds when they should.

Capital One did not send a message to their consumers until a day and half after it started and for a good portion of that time deflected the blame and said nothing was wrong.

They have continued to lie regarding availability of funds and have no ETA.

There should never be more than a days worth of a wait to have access to your funds. It's unacceptable and XXXX should be fined and pay for every single fee we have for late payments, bounced payments, etc. 

The stress and anxiety caused by their lack of communication and broken system is going to get people hurt or killed... unacceptable to be messing with peoples money and making interest on the funds while we sit around and wait for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint to Equifax citing a violation that they made against me against as such : n accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. However during the companies response on XX/XX/XXXX the company made no mention of my exact complaint nor their violation of my rights as stated above. Further failure to acknowledge their violation and my proposed solution within 14 days of this complaint will force me to escalate this problem with the CFPB, XXXX  and the attorney generals office as well as but not limited to other legal actions available to me.
Product: Debt collection

XXXX XXXXXXXX XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : XXXX of Credit Report Items accuracy XXXX XXXXXXXX Account Dear Experian, I am writing to formally dispute an error on my credit report regarding the XXXX XXXXXXXX account listed under account number XXXX. I have reviewed the details on my credit report and found inaccuracies that I request to be investigated and corrected.

The issues with this account include the following : 1. **High Credit Usage** : The account shows 100 % credit usage with a balance of {$1600.00} against a credit limit of {$800.00}. However, this account is reported as closed. A closed account should not reflect active utilization in this manner. 

2. **Payment History** : The payment summary shows consistent " CO '' ( charge-off ) statuses since early 2024. I believe this information might be outdated or incorrect as I am unsure of its current validity.

3. **Account Status** : Since the account is marked as closed, further updates or activity on the balance should not be reflected without further context. 

I request that you verify this account with the creditor and provide clarity on the following : - The current balance and how it is being reported despite the account being closed. 
- The validity of the payment history displayed for XXXX. 

Additionally, if the creditor can not validate these details, I request that this account be removed from my consumer credit report accordingly. 

Please investigate this matter and provide me with a response in writing. I appreciate your time and attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was charged {$59.00} for a XXXX  from Delta and I disputed the charge. While it was being disputed, I paid the charge to avoid having a balance on my card. I also tried to work with the company and they agreed to issue me a credit of {$59.00}. So now I have paid the {$59.00} charge and Delta issued me a {$59.00} credit and have a credit balance of {$59.00}. For two months I got a statement of a credit balance on my account. 

When AMEX closed my dispute, the removed the {$59.00} credit balance and took it, leaving me with a XXXX  balance.
Product: Debt collection

A person open a electric account on the state of Texas, the electric company name is XXXX XXXX the dates where between XXXX and XXXX on 2022 they default XXXX dollars that went into my credit.
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 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Financial assistance Inc is reporting. debt on my CR after I disputed the validity of the debt as I do not believe it belongs to me. I never received anything in the mail outlining the debt, whom it may belong to or actually anything at all! The debt says I owe {$10000.00} and was opened on XX/XX/XXXX which is impossible as I did not apply for anything in XXXX. I have disputed the debt with 3 CRA and the dispute remark reflects its resolved as reported by grantor. How can this be? 

also, the same company is reporting a second debt dated opened XX/XX/XXXX for {$1300.00}. Same exact scenario. Disputed and same remark as above. I have no idea what this is for and never received validity nor verification of the debt. 

Also, the debts are reported as paid and then put back on as balance increased about 4 days later so it reflects as a new account on my report making my credit score drop. 

Also I am guessing that XXXX XXXX XXXX is whom the debt is from? But they are reporting account closed XX/XX/XXXX from a credit card with balance {$4600.00} and charged off as bad debt the account was opened XX/XX/XXXX but if it were closed XX/XX/XXXX they just updated the account on CR as of XX/XX/XXXX. 

I have also disputed with XXXX XXXX as I have no knowledge of this debt and never had a response in the mail from them. I have disputed and on my CR it stated that its resolved. I still disagree
Product: Debt collection

In an attempt to contact Aargon Collections about debt, the company has not sent me any information in regards to the unverified debt. I created 3 disputes with credit karma and XXXX. After send multiple letters I have not received any information back verifying that this is my debt. I requested a Copy of original contract, payment history, name and address of original creditor, proof of collections authorization, & purchase debt agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now there three sets of the same loans on my credit report. Theyre all reporting different information to different bureaus. Its hurting my credit differently on each one.

All accounts are paid off, but only one loan reports as paid of f while the other 12 are reporting as charged off.

This negative mark alone is ruining my credit, I have tried to fix this multiple times, and to no avail. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get financing for a vehicle credit. I was eager to go to the vendor until the vehicle sales rep returned into the room and educated me that he would not have been ready to make me finance for any vehicles. This got me unsuspecting I have consistently perceived the significance of having and keeping up with great record of loan repayment. So I generally gave a valiant effort to ensure I kept the entirety of my issues all together. So obviously I was brimming with various feelings when the sales rep educated me that I wouldn't fit the bill for any financing. These negative things being accounted for on my credit report are not my records. I request them be taken out. This is slander of character. This is likewise a FDCPA infringement 15 USC 1692d. Announcing erroneous things on somebody credit report adversely influences a purchaser 's standing. FCRA 15 USC 1681 states that a buyers credit report is the shopper 's standing. In the event that these things are not eliminated quickly I will look for suit. I additionally gave proof to help that I was a casualty of the Equifax information break.