23daVinci/CFPB_Complaints huggingface dataset:
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.

Items listed above, have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize or initiate these accounts, and it is unfair for me to be held responsible for them.
Product: Debt collection

I am a victim of Identity theft after Resurgence XXXX XXXX ( representing CACH , LLC ) sued my bank account. Soon after, I filed an FTC ID theft report and a police report, trying to resolve this matter. I believe that I have never had any outstanding debt with CACH , LLC and I have never any type of communication regarding this fraudulent account. I was never served to attend the court and defend myself on this matter. 
I have tried to dispute this ID Theft issue with Resurgence XXXX XXXX and CACH LLC, hoping to remove this case. However, we have not come to an agreement on this. Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner
Product: Credit reporting, credit repair services, or other personal consumer reports

Continental Finance Company pulled my XXXX XXXX credit report on XX/XX/2018 without my authorization or permission. The credit inquiry is fraudulent and unauthorized. I never applied for anything from Continental Finance Company on XX/XX/2018.
Product: Money transfer, virtual currency, or money service

I can not use XXXX XXXX with my PNC account
Product: Credit reporting or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

A few months ago, I realized that Citi was charging me for {$67.00} per month for a " XXXX  Program '' that I never signed up for. After research, I realized that this has been a litigated matter in the past. I am positive that I have not signed up for this. I have requested a refund with them but they declined ( please see attached ). 

I have requested statements from Citi to assess the full amount that was wrongly charged to me and am currently awaiting them. However, Citi charged that I signed up for this on XXXXXX/XX/2010 ( see attached ), which, as of this date, is 139 weeks ago. Assuming that I have been paying XXXX dollars for this duration, the amount that was wrongfully charged totals over XXXX dollars.
Product: Credit reporting or other personal consumer reports

In XXXX of 2024 XXXX  has placed a charge off on my XXXX, XXXX, and myTrans Union consumer report. According to the IRS a charge off is considered a certificate of indebtedness which means it is defined by the IRS as income and income can not be reported to a consumer 's report. This charge off must be removed from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

My recent consumer report is showing unauthorized and unverified inquiries from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the inquiry dates is XXXX XXXX, XX/XX/year>, XXXX XXXX. These unauthorized inquiries are hindering me from utilizing my credit according to 15 U.S code 1602 ( p ) these unauthorized inquiries needs to be removed immediately.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is BULL CITY FINANCIAL SOLUTION # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, BULL CITY FINANCIAL SOLUTION failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) BULL CITY FINANCIAL SOLUTION failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation BULL CITY FINANCIAL SOLUTION is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where BULL CITY FINANCIAL SOLUTION is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. BULL CITY FINANCIAL SOLUTION has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX and XXXX credit bureaus are reporting late payments which is Illegal. I have copy and pasted the Federal law 1681s-3 the Exclusion section.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Sunday XX/XX/20 I was searching for a new credit card offers online. Out of no where there was a pop up by this company Lexington Law and they made it seem promising and fact my credit score would be better and they would help repair and remove any  negative stuff on my credit report. They sold me I was stupid and should never trust this pop up site they demanded for my full social security number and my address my name my email my phone number and yet they demanded a payment set up process they pre authorize money from my bank debit card amount {$14.00} and they got my card number. So I was trying to reach them I called them XXXX turn out it was a bogus line it appear I can text them here so text them asking for help log in no responses and yet they have a system I can reset my log in I click it they stated go to my email and follow the direction of reset log in I am now confused I got no email or any help from this co and yet they have my social security number and call them spoke with XXXX and he never help me and refused give me my email or log in info and yet I paid for a service that they never promised or provided the service and yet they want me to wait for a supervisor call me I never request for one and I want an answer now and yet they phishing my information stated I have an account with them prior XX/XX/20 they made it sound like I am already I customer I have no clue I just signing up for service on XX/XX/20 unless Lexington law sign and allow someone elses uses my info and to steal my credits information with out my permission and I now fear this company has allow someone elses sign up their service prior me joint the service on XX/XX/20 this is a concern I immediately asked XXXX cancel my service and refund my money he refused and yet forcing me speak with his supervisor and want to scam and call me I said no way. And yet paid for a service and no service and no help and yet fear they scam me and also they made it song like I already had their service prior XX/XX/20 I have no account set up prior XX/XX/20 and they took my money left me without any help and yet the guy name XXXX said his company been in business for 20 years + and yet they violated my rights all of the above.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to your company in which I explicitly identified the fraudulent and questionable accounts. However, there are still accounts on my credit report that should not be there.
Product: Credit card or prepaid card

My credit card was stolen and used without authorization at a Walmart. I called within half an hour to dispute the charges, and the company capital one reversed the credit. A week ior two later, they reinstated the charges. I asked why and they said the fraud department determined the card was used by the chip. An d he repeated this 5 times. I mentioned that there's a federal law limiting me to XXXX $ of liability. He repeated himself. I asked for a supervisor and waited on hold for 4 hours.
Product: Credit reporting or other personal consumer reports

I am reporting a fraudulent credit card account that was opened in my name without my authorization. I did not apply for, open, or use this account, and I believe I am a victim of identity theft. 

Details of the Fraud : The credit card account was opened on XX/XX/XXXX by XXXX XXXX. 
The account appears on my credit report with a balance of {$710.00} that I did not incur. 
I first became aware of this fraudulent account on XXXX. XXXX. XXXX when I reviewed my credit report/received a notification. 

Actions Taken : I have reported this identity theft to the FTC at IdentityTheft.gov, and my FTC Identity Theft Report number is XXXX I have also contacted the credit bureaus ( XXXX, XXXX, and TransUnion ) to place a fraud alert on my credit file. 
I have reached out to XXXX XXXX to dispute the fraudulent account, but they have not resolved the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00}
Product: Checking or savings account

On XX/XX/XXXX, I received multiple transaction alerts for charges I did not do. On XX/XX/XXXX only one had posted so I filed a dispute through USAAs application. They issued me a provisional credit while they researched the claim. On XX/XX/2019, I was informed via email that the investigation was complete and it was found that the fraudulent activity did not occur. The " evidence '' they provided to me was 5 pages and included the following : 1 ) Acquirer Allocation Pre-Arbitration Questionnaire 2 ) Merchant Response 3 ) Vivid Seats Cancellation Policy 4 ) ACM Purchase Details 5 ) Proof of Delivery The proof of delivery sent the product I didn't purchase to an email address other than my own. And the vivid seats cancellation policy, under place order, has it being submitted for {$1600.00}. Luckily it didn't go through for that amount and only went through for {$180.00}. The compelling evidence they found was that the CVV was used in the purchase which according to them " ... indicates that the card used to make this transaction was fully authorized, and the further attached evidence indicates the methods in which the purchase was delivered to the cardholder. '' After recieving this information I reached out to USAA to get a phone number to speak to someone in the fraud department. The first person I was able to get in contact with agreed with me that this was a fraudulent transaction after looking at the evidence and transferred my call to a colleague. After waiting on hold for XXXX minutes I figured the department was closed and ended the call. I called back to USAA again and got in touch with someone who said they were in the fraud department and informed me that I could contest this claim and again cited the delivery email address not being mine and and the attempted {$1600.00} charge as unusual. After getting off the phone with this representative I was convinced someone had taken this invasion seriously but I was wrong. Today, XX/XX/2019, the provisional credit issued to me has been reversed and my account overdrawn. I again reached out to USAA and was informed that the they " are not able to have this case reopened '' which means I was lied to by the two previous representatives who assisted me. 

I work in the financial industry and through this experience I have lost faith in our ability to protect consumers information and the banks themselves.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Mortgage

I am filing this complaint prose where I am not represented by legal counsel in filing this complaint with the Consumer Financial Protection Bureau with anticipation of getting this resolved with your agency. I presently have finalized mediation with JP Morgan Chase in regards to the lease failed requirements with no consideration or compensation. I am presently in a foreclosure suit with JP Morgan Chase Bank NA as the plaintiff, as a defendant I also have a pending counter suit in the same court. In the Circuit Court of XXXX XXXX, Illinois XXXX XXXX, Chancery Division Mortgage Foreclosure/Mechanics Lien Section. Case No. XXXX CH XXXX. 

Product Issue : Breach of terms of the lease with a branch bank of JP Morgan Chase, Chase also subsequently acquired an existing mortgage from another mortgagee to make Chase the lessee and the mortgagee of said property which is now currently in foreclosure due to fraudulent banking procedures of Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX  I asked this company to provide proof and validation of this debt and nothing was provided in the mail. Also on XX/XX/XXXX  since I had not heard anything from this company I sent out a second round of validation letters and still received no response. 
I do not recognize this account and I have mo previous knowledge of it. I demand proof and validation of this debt and since it was not provided the account needs to be deleted immediately.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard this reporting accountas unconfirmed information without providing evidence within the legally required amount of time. The incorrect data in my credit report needs to be investigated into and corrected XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a XXXX XXXX XXXX After reviewing my credit reports, XXXX notices some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint report the info I am not familiar with. 

Please find attached a copy of my I.D . The FTC complaint, a copy of the XXXX report showing my information being exposed in a national database and a Validation of debt Letter.
Product: Checking or savings account

I bank with Navy Federal Credit Union I just learned about the lawsuit against them for allowing transactions to go through when there was not enough funds in the bank I am a victim of this. I have called and asked the question why would they allow automatic transactions to go through when there is not enough funds. Theres been time where I would look at my account and seen I had money so I would make a purchase within that amount but some how my account will show overdraft
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i called gm financial to resolve an old debt. The representative there transferred me to a collection department to make a payment. after making the payment, my credit report was suppose to be updated to a paid status, which they did for a few days before switching it back to unpaid. every time i call gm financial there is always an issue with my information in there system and half of them ca n't get past authentication because personal info is not correct either. I gave them my dob, ssn and address but because my telephone number does n't match i would need to be transferred which would start a transferring nightmare one after the next. Its been four months since gm took the payment and they have n't been able to update the credit reporting agencies or the account in their office properly or in a reasonable time frame.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assistingme due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). Ikindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit ReportingAct. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information fromTransUnion.

Please delete the following accounts : XXXX XXXX  Account # XXXX, XXXX  Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

get inaccurate information off my credit report or ill sue!!!
Product: Credit card

I had to use my card on Thursday for a purchase XX/XX/XXXX then on Friday XX/XX/XXXX I called because it was pending and I couldnt make a payment on my app before the billing cycle closed. Then Saturday the XXXX I called and tried again and was denied. The manager said I had until XXXX to submit payments and at XXXX the statement date closes. I told them I didnt like there being a XXXX window where the pending charge can hit my account and I wont be able to pay it and maintain a XXXX on my statement because it would effect my credit and of course the pending charge did hit within that window and hit my credit score minus XXXX dropping me to a XXXX  credit rating and slandering my credit profile. This type of thing leads to being denied credit I need for business and gives me higher interest rates. Therefore its a predatory lending practice because they are ruining peoples credit to charge them higher rates. I should be able to pay for pending charges to protect my credit score and pursue my happiness. Please make Capital One fix this system malfunction so people have fair treatment and access to credit and good rates.
Product: Debt collection

They are reporting incorrectly on my credit report dates mismatched especially. Paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I initiated a dispute claim to Equifax in reference to accounts and inquiries on my consumer credit report ( XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX ). I did not give expressed written consent to authorize these items to furnished on my report pursuant to 15 USC 1681b ( a ) ( 2 ). A FTC identity theft report has also been filed and sent to Equifax for using my information to furnish items on my report without my consent. These items have not been blocked from my report in accordance with 15 USC 1681c-2 ( a ). I have sent three notices to Equifax since the beginning of XX/XX/2022 with the attempt to settle this matter and get these items removed from my report. However, I have not received adequate response about the investigation or proof of written consent.