23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

i requested a {$2300.00}, 0 % balance transfer from my HSBC account a discover car on XX/XX/2019 which was charged to my account along with a {$92.00} transfer fee which i knew about and was ok with. on XX/XX/2019 i was charged a finance charge which was strange since i made a 0 % transfer balance. I contacted the bank and they credit my account. 3 weeks went by and transfer to my XXXX card had not been made so i called the bank and they told me to wait another week which i thought was a brush off job since it usually takes 4 to 7 days for transfers to go through. Nothing happened after a week so on XX/XX/2019 I filed a dispute online which was never confirmed by email and did not show on the account. I called the bank on XX/XX/2019 and was on eternal hold and someone picked up and said they had to transfer me to another department and there was more hold time. I spoke to someone who read the notes on my account and told me the dispute was in the works and I should received a letter in the mail within 7 to 10 business day and have the {$2300.00} plus the {$92.00} fee credited to my account, which has not happened yet. Yesterday i checked my account and saw that {$35.00} finance charged posted to my account on XX/XX/2019. These people are the worst. I want them to credit everything back to my account and store it to its original 0 balance before the balance transfer. Please stop them from doing business in the US. I  shredded their credit car.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I noticed several errors related to billing. These late payments do not align with my regular payment habits.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 Bureaus were notified of the Bankruptcy being reported on my credit report. I sent a procedural letter to each, on XX/XX/2020 to ask of how they were acquiring the Bankruptcy information. According to law, all information obtained is to be reported directly to the Bureaus by direct lenders or parties involved, but the Courts do not. Neither could advise me of who or what source reported my Bankruptcy, XXXX XXXX to them directly. On my credit report, it states no known reporting agency and the Federal Courts do no report information directly to the Bureaus. This direct intention to degrade my credit status has led me to inhabitable living arrangements, limited transportation and minimum income to live. The reporting was never verified and there was never a response from XXXX, XXXX or Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX credit reporting agencies are showing a balance of {$5000.00} with my prosper account. This prosper account has been paid off and the balance should be {$0.00}. I contacted both credit bureaus several times and they have not corrected this problem. Both credit bureaus are in violation of the federal fair accuracy act. I would like my prosper account balance to be corrected immediately.
Product: Credit reporting

I have disputed this account on many occasions. Finally, i had enough and asked since XXXX XXXX continues to report this account please send me a signed " agreement between me and XXXX XXXX XXXX. I finally received the document and here is what i found. The original account # with XXXX ( original creditor ) shows XXXX while XXXX XXXX shows for original creditor # XXXX. No initials on this " payment agreement ''. Signature does n't even match signature on my license. Balance even shows XXXX but shows different amount on credit report. I want this account removed immediately from all credit reporting agencies. i have included copies on all supporting docs.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXXXX/XX/2023 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

XX/XX/2022 the amount is {$43000.00} I uploaded my discharge paperwork from VA and I disputed the accounts but the credit bureaus didnt dispute it they kept it on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information on my credit report with Experian, XXXX, and XXXX and they have NOT complied with any of my requests! They are just sending me computer generated responses and have NOT investigated this information with each furnisher as per FCRA guidelines!
Product: Checking or savings account

Unauthorized savings accounts were opened in my XXXX olds name through Wells Fargo.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is XX/XX/XXXX an on XXXX it's XX/XX/XXXX If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. Account Name : XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

The account was on a modification and should have not been reporting any late payments as the account was scheduled tp resume payments on XX/XX/24 however the home also sold on XX/XX/24 and they are reporting lateness on the month of XXXX as well have not deleted this from my credit report. 

also : In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report, and I am concerned about several inaccuracies and incorrect reporting that is now affecting my ability to accurately and effectively use my consumer credit. 

Per FCRA regulations 15 USC 1681 ( a ) ( e ) 15 USC 1681 ( i ) ( 7 ) 15 USC 1681 ( g ) The following late payment accounts should be removed per FCRA 15 USC 1666b, 15 USC 1681a ( 2 ) ( a ) ( i ) XXXX  acct # XXXX XXXXXXXX XXXX XXXX  acct # XXXX Please remove these accounts based on current FCRA laws and inaccurate reporting. 




XXXX XXXX XXXX
Product: Checking or savings account

I had two fraud charges on XX/XX/2022. I was home all day and my my security camera footage to prove I never left my house. The first fraud charge was for XXXX dollars to some XXXX online. I have never order anything from that merchant and my account should have been flagged for such a high amount. The second charge was for gas in the amount of XXXX at a gas station in which the card was physically used. Once again I never left my house and have my own personal security footage that shows I never left my house along with my complex footage which shows I never left the complex that day. The card was physically used, I had the card on my person which means my card was cloned.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a signific

ant drop in my FICO score. Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in ne
gative remarks that are adversely affecting my credit score and financial reputation.
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 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 XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$750.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Experian for inaccurate information present on my credit report. On XX/XX/XXXX, I contacted Experian to dispute certain details that I believe to be erroneous. To date, I have not received any response or resolution from Experian. I am providing the following details of the disputed accounts along with the requested corrections : 1. Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$28000.00} I request Experian to remove the account with XXXX XXXX from my credit report as it is not mine. 


2. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} The account XXXX XXXX requires examination due to incorrect reporting. The reported balance is higher than my recollection. Additionally, the account was presented as closed, and therefore, the Past Due amount should not be provided. I intend to resolve this directly with the creditor. I request Experian to report the account as disputed to reflect my efforts to resolve the issue. 


3. Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} The account with XXXX is inaccurately reported. The balance is inflated, and I believe I owe a lower amount. The stated Past Due amount does not accurately represent this account 's status, as it was closed and charged-off. I intend to address this directly with the creditor and request Experian to mark the account as disputed until a resolution is reached. 


4. Account Name : XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} 5. The information provided for the account XXXX XXXX XXXX is incorrect and detrimental to my credit reputation. The balance reported does not align with my records. Moreover, presenting a Past Due amount for a closed, charged-off account is inaccurate. This has adversely affected my credit score. I intend to negotiate with the creditor to rectify this. I request Experian to mark this account as disputed to prevent further credit score decline. 


XXXX. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$700.00} The account with XXXX XXXX was never late, and I request Experian to correct/update this inaccurate information on my credit report. 


XXXX. Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$980.00} The account with XXXX XXXXXXXX was never late, and I request Experian to correct/update this inaccurate information on my credit report.
Product: Credit card or prepaid card

Consumer alleges that : - Consumer was approved for a Barclay card in early XX/XX/XXXXfor a {$12000.00} limit - Consumer was verbally provided disclosures about balance transfer offer on a recorded line - Consumer was also provided online link to disclosures and paper disclosures in the mail - Terms and conditions specified that a balance transfer to a non-credit card loan need to be done manually by calling customer service after the card is approved and received in the mail - Consumer did call Customer Service on XX/XX/2017, but was denied the balance transfer opportunity due to system limitations not being able to balance transfer to a line of credit at a Credit Union - Consumer filed a complaint with Barclays over misleading information and non-compliance with the card 's Terms and Conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax.com not only damage my credit due to there data bridge but the don't answer my phone calls i cant get my credit score or pull my equifax report they are damaging big time
Product: Debt collection

Sun rise creditor keep calling every day about a XXXX  account I told them I dont know nothing about they call me from multiple numbers about a debt from 2021 I think the amount is XXXX or XXXX dollars Im not sure I have no contact with them and I will like for them prove a contract and there threatening me if I dont pay they will put it on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on my Equifax Consumer Report several times. The dispute consisted of an incorrect account number, inaccurate outstanding principal, and incorrect furnisher address. See attached XXXX XXXX statement that reflects the correct outstanding principal, the correct address, and the correct Loan Number. The redacted Equifax CRA report shows 1. XXXX XXXX incorrect account number 2. XXXXXXXX XXXX incorrect address 3. See the accompanied XXXX XXXX statement.
Product: Debt collection

XX/XX/year> I made constant calls regarding the information being reported on my report and that my personal information was incorrect they assured me that these fraud issues would be addressed, yet they remain on my account with incorrect addresses attached to me that I have no connection to this information 15 USC 1681o. Civil liability for negligent noncompliance Any consumer reporting agency or user of information which is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( XXXX ) any actual damages sustained by the consumer as a result of the failure ; ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I want to file a complaint on Equifax for the inaccurate information they are reporting on my consumer reports, I have tried to dispute this information before but the company has failed to update me of my previous dispute or correct the inaccurate information that is being reported I have attached a copy of my Equifax consumer report and I have highlighted the inaccuracies on the report I want someone to hold them responsible for these inaccuracies because by law everything has to match on my report on a three bureaus and it does not
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX XXXX XXXX {$160.00} XXXX  XXXX {$53.00}
Product: Credit card or prepaid card

On XX/XX/20I contacted capital one regarding my credit cards account due to all my personal infobeing stolen. social, and bank card missing and XXXX card including my id At this time I had o balance when I spoke to them regarding this they told me notto worry and they would take care of the issue now its on my credit report where its states that a balance of {$690.00} is owed to them due. Dispute resolved by grantor. My score has very much decreased due to fraudulent activity and remarks on credit report this is the 2nd time they do this s
Product: Credit reporting or other personal consumer reports

I noticed an unauthorized inquiry from Net Credit bank on XX/XX/XXXX I called both XXXX and Net credit. I submitted my police report and ID. I called XXXX weeks later and Net credit is telling me it should be removed they let XXXX know but XXXX says they never got a letter from them.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : I am a victim of identity theft Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX5B ( 15 U.S.C. 1681c-2 ) that you, the 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 XXXX {$510.00}. XXXX. XXXX XXXX XXXX {$500.00} ( collection account ) XXXX. XXXX {$7800.00} XXXX. XXXX XXXX XXXX  {$45000.00} XXXX. XXXX XXXX XXXX {$5300.00} XXXX. National credit adjust {$1500.00} ( collection account ) 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