23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 

( XXXX ) XXXX XXXX XXXX  was disputed on XX/XX/2022 balance {$520.00} ( XXXX ) XXXX  XXXX was disputed on XX/XX/2022 balance {$400.00} ( XXXX ) XXXXXXXX XXXXI was disputed on XX/XX/2022 balance {$160.00} ( XXXX ) XXXX was disputed on XX/XX/2022 balance {$330.00} ( XXXX ) XXXXwas disputed on XX/XX/2022 balance {$520.00} ( XXXX ) Office of the Attorney General-child support was disputed on XX/XX/2022 balance {$620.00} ( XXXX ) Office of the Attorney General-child support was disputed on XX/XX/2022 balance {$47000.00} 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 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.
Product: Credit reporting or other personal consumer reports

I had XXXX   and could not make the payment on time I tried to explain this to the company and they refused to help or remove the remark. There were XXXX dates that I was sick with XXXX XXXX XXXX- XXXX & XXXX XXXX XXXX XXXX marked me XXXX XXXX late for each date listed. 

I want this adjusted
Product: Mortgage

Approved for a fha loan paid earnest money home inspection twice got approved went to underwriting one step before closing lender say they made a mistake they missed my schedule c which they seen it to say am approved than denied my loan closing date XX/XX/XXXX denied XX/XX/XXXX moved out my house due to they approval earnest money XXXX paid on XX/XX/XXXX home inspection {$330.00} XX/XX/XXXX and the first XXXX on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple fraudulent addreses, fraudulent loan information and multiple false cell phones numbers being reported only by Transunion credit r e porting agency. Also, the agency reports information from 20 years ago illegally. In addition, the agency misreports criminal information records that have dismissed, expunged or commuted. I have disputed these errors multiple times with Transunion but the company keeps reporting the bad information over and over again.. I have believe Transunion has been part of class lawsuit before for misrepresentation.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX, XXXX : 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 TransUnion 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 XXXX  on XX/XX/XXXX with a balance of {$420.00} under the account number XXXX, an Debt Buyer account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$450.00} under the account number XXXX, a Debt Buyer account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX with a balance of {$620.00} under the account number XXXX, and a Debt Buyer account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$790.00}. 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 XXXX 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 or other personal consumer reports

I had a Capital One card and XXXX XXXX  was automatically billing me XXXX per month and the bill was sent by email paperless which I did not ask for and will never let happen again. My email server was XXXX XXXX is no longer in business and was informed this address was no longer good so I changed to XXXX. I had changed the automatic bill to my XXXXXXXX XXXX XXXX but charges for XX/XX/2024 XXXX were put on card XX/XX/2024 XXXX XXXX intrest XXXX no XXXX bill XXXX fee XXXX XXXX interest XXXX XXXX fee XXXX interest XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 credit account XXXX. I guess they wrote it off and put restricted on account. All because of paperless billing and I had overlooked address as I did not plan on using this card now. Tried to call Capital one and ask to help get my credit score back to XXXX and could not get anything accomplished no plain XXXX XXXX people I could understand nor I don't see how they understood me. This lowered my score XXXX XXXX. Every account they track me on says paid in full never late. Capital one had my phone number and did not to attempt to notify me. This has ruined my credit score!!
Product: Credit card or prepaid card

I have been a long time customer with the Express credit card ( my card states since XXXX, but i believe it was earlier than that. ) I have worked very hard to build up my credit limit with them. I paid my balance off in FULL on XX/XX/XXXX, but then on XX/XX/XXXX they decided to post {$2.00} of interest on my account. Around this same, i was dealing with my XXXX 's credit card ( which is the same credit card company COMENITY ) because i was having issues with that account because it was hacked. I was having a really hard time dealing with them and trying to get my XXXX account corrected i was not aware that they were also screwing me over with my Express card. It took me months to finally get my XXXX ( Comenity ) credit card situation resolved. Even though i didnt feel like i should pay the additional late fees and interest on the Express card, as soon as i was aware about my Express card balance ( it was at {$36.00} at this point ), i paid it in full on XX/XX/XXXX because i didnt want it to effect my credit score and credit limit that i had worked so hard to increase up to about {$4000.00}. I was in the Express store on XX/XX/XXXX, and i was made aware that my credit limit had been dropped to {$200.00}! Dealing with Comenity has been such a disappointment, and it is very frustrating that after being a long time customer i have had such a terrible experience with them these past 7 months.
Product: Credit card or prepaid card

: Writing here just for the record. nothing has been resovled dont even read the letters over the last 3 years nothing resolved and despite being a customer in good standing discover has blocked my ability to call them and ignores all attempts and has at resolution. this is the latest email i sent. I offered XXXX for all accounts by XX/XX/XXXX. I am declaring bankruptcy in foreclosure i provided docket number for conifrmation. no response just credit reporting that i am responding to. This company is notorious for suing and being very very difficult with customers. I need a resolution not just you sending it and them photocopying responses. I will go to court if need be and show a judge my diligent attempts at resolution and what has occured as a result. tired of being ignored, bullied and treated very unfairly DO SOMEHITNG about this company and how it treats its customers. No photocopies of previous responses that did nothing. I will sue i will if ihave to. believe me. i have a record of all the attempts at resolution from letters to complaints to calls to all. nothing. Accept this and let me out. i will declare bankruptcy shortly Hardship Letter for credit Card Account : To whom it may concern Due to my recent financial condition I am writing you this letter to request a settlement of my unpaid debt at 20 percent of the balance due. I am filing bankruptcy shortly. due to foreclosure. chapter XXXX This is the 4th time i have advised you. I can be reached only after XXXX XXXX to discuss.
Over the last 20months my household income has dropped considerably due to ( job loss, medical condition, illness, etc. ), which has made it impossible for me to continue to make my full monthly payments. I asked for signed copies of agreements i never got and other information.
Please note that I am trying to avoid a bankruptcy filing and that I am currently requesting debt settlements with all of my other creditors with whom I need to make similar arrangements and plans.
I am requesting that you seriously review and accept my settlement offer. As soon as you accept it in writing, I will by XX/XX/XXXX mail the payment to your organization. XXXX dollars for all accounts. If not this will get discharged. My foreclosure can be verified on njcourts.gov XXXX XXXX If you have any questions or if you wish to discuss this settlement offer, please do not hesitate to call me and I can be reached at ( XXXX ).
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Click here to Reply, Reply to all, or Forward
Product: Mortgage

TIAA Bank is still reporting my account as 30 days late which in fact my loan was transferred to another lender 8 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I settled an account with AMEX at the time Off settlement I spoke with the representative at lengths about after I paid the balance it would be removed from my credit report. I have called Amex multiple times and spoken to supervisors that saw the notes on my account that certified they would remove this from my credit report. They have still failed to do so after i have called and repeatedly a supervisor verified they would remove the account from my credit report Also XXXX XXXX  is not reporting correctly the account. It is paid and full with a XXXX balance. I have repeatedly asked them to fix this and they havent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 ( A ) ( 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.
Product: Credit reporting or other personal consumer reports

I have not supplied the demanded proof of the alleged debt.Under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, in fact exists
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  deducted 24 points from my credit score last month and I can not get a reason for this change from them. They had no reason to deduct 24 points from my score. I am filing this complaint to get this solved.

I have been working hard to get my score higher and I have been paying my bills on time and should not have any deductions from my score.

This goes on continually and there seems to be no one monitoring what the credit reporting bureaus are doing.

I want my score reviewed and my points returned and updated like they are supposed to be. I also want to know if race is a factor that is used to rate credit, since I know algorithms are utilized to manage our credit scores and is a process or set of rules to be followed in calculations or other problem-solving operations designed by man.

Thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEVER WENT TO XXXX XXXX XXXX. 
IT IS SHOWING TO ACCOUNTS ON MY CREDIT REPORTS ON ALL THREE CREDIT BUREAUS AND FROM XXXX, ACCOUNT # XXXX AMOUNTS {$1900.00} {$85.00}
Product: Consumer Loan

Hard inquiry ran on my credit report by this company without my permission. No application via phone, email, or mail requesting credit from this company. I have paid all accounts on report and would like this removed as it pulled my score down. This was an unauthorized hard credit pull and should be deleted by company. Information possibly sold or transferred to another company on file. 
Republic Finance XXXX XXXX XXXX XXXX, ga
Product: Checking or savings account

On XX/XX/XXXX I filed a claim with Chase Bank ( Claim ID # XXXX ), in the amount of {$840.00}, which was charged to my checking account ending in XXXX, by merchant XXXX on XX/XX/XXXX. 

The claim involved a suspension lamp purchased from XXXX. The product was XXXX XXXX merchandise previously purchased, opened, and returned by another customer. 

The lamp I received on XX/XX/XXXX, was broken and defective. I called XXXX to arrange a return, and was promised, on two separate occasions, that return instructions would be sent to my e-mail. 

The instructions were never sent, so Chase was notified and a claim was submitted. On XX/XX/XXXX, Chase sided with the merchant and closed the investigation. 

According to several claims supervisors and representatives, XXXX DID NOT provide evidence that return instructions were sent to me as promised. The documentation XXXX provided to Chase DID NOT address my complaint, was unrelated to my circumstance, and DID NOT provide proof of non-liability, according a Chase supervisor I spoke with on XX/XX/XXXX. 

Chases decision to close this valid fraud claim in the merchants favor is unacceptable. I will hold XXXX financially liable for damages should this issue not be resolved justly ( in my favor ) and my account credited back {$840.00}.
Product: Credit reporting or other personal consumer reports

I have information that I do not want on my report because it does not belong to me and it affects my credit too much. I want it to be reviewed and deleted. 


XXXX XXXX {$480.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my credit report has been hijacked. I was looking through my records once more when I found numerous things that didn't belong to me. I learned that section 605b of the FCRA requires you to remove and ban any products that are discovered to have been opened as a result of identity theft because I'm a stickler for details. The objects in dispute are not mine. For your review, I've attached the FTC Report that is necessary ( based on additional investigation that both parties requested ). To prevent/remove these files, kindly. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax is violating my rights and have been for allowing these collections to be reported to my credit files to these collections I do not know anything about other than how my rights have been violated in the collection efforts of these row accounts. 

And you all are allowing junk data to be reported to my credit files with these bogus collections accounts that have never been validated by me only more violations of the laws when XXXX XXXX XXXX sent me a collections letter XXXX months ago, XXXX years after they have been reporting derogatory furnishings to the credit reporting agencies. 

This is fraud and I am submitting my informaron for the FTC to investigate I have complained multiple times and this bogus collection account is not even suppose to be on my credit file because the idiots at XXXX XXXX XXXX for over XXXX years has posted these collections when they never notified my me by law of any debts they are alleging I owe and over XXXX plus disputes with the credit bureaus and close to XXXX with the CFPB, I still have not ever had any validation of these collections accounts Being reported to the credit bureaus and when they did send me something in the mail XXXX years later, this miserable document does not tell me any legible service that I was provided and I have never done business with this company called XXXX XXXX XXXX and I am filing fraud charges today with the FTC for identity theft collections being on my credit file. And XXXX going to sue everyone of you for violating my rights once the Department of Justice finishes their investigation of the unlawful actions by XXXX XXXX XXXX and the credit bureaus for violating the laws and my rights. Not once has anyone provided me legible information regarding these collections after XXXX years of unlawfully posting derogatory information that I have never agreed that owe or know anything about but you all have made me fight with overwhelming evidence that you all have broken the laws and still have not removed these accounts and I am filing fraud charges with the FTC today.
Product: Credit card or prepaid card

Sometime during XX/XX/XXXX I was charge {$29.00} by the store XXXX XXXX XXXX XXXX in my Commenity Capital Bank XXXX ... XXXX, during the month of XXXX, I was out if the country, I realize the charge from the store and the late fees from the Commenity Capital Bank until XX/XX/XXXX and immediately I call and wrote to their Commenity fraud department, the Fraud department sent me to their customer service attendants, who at the time sent me to the store customer service. 
I call the store XXXX XXXX XXXX XXXX  and complaint for the XXXX charge, since I did not authorize it, their claim was that it was an automate charge for membership, I never receive a notification asking for my approval on the charge nor I authorize their charge for the membership, their final response was they will remove the charge. 
I contact Commenity and explain the situation to their cuatomer service, the file a claim and promise to resolve this issue before 90 days. 
In the meantime, I have been charge interest late fees in the amount of {$130.00}, reported late on my credit report from a card that have a {$0.00} balance in the month of XXXX, XXXX. 
I call their customer service on XX/XX/XXXX to find out about my claim, and their reponse was that my claim was droped withouth a notification and/ or resolution. 
It seems that this is game played by the store XXXX XXXX XXXX XXXX  and the Commenity Capital Bank to obtain Junk Fees.
Product: Checking or savings account

Citi bank denied that they had funds that were transfered to a closed account. On XX/XX/XXXX I transfered funds from a competitors bank to fund a new account. I had just opened this account with citi bank and the new funds went into a previously closed account I had with citibank instead. 
The operator said it would take 3-5 business days but nearly 2.5 weeks later it never was refunded. When I would call citi they would say just wait it will populate soon. Than citi said the just flat out didn't have it. I three way called citi bank with my original bank on the line to confirm to them they did clear it. Citi did not return my funds. After XXXX days of calling for hours every day and talking to 7-10 different people and 3+ supervisors a supervisor was able to see they had the funds the whole time! After stealing my money, lieing about it. Hanging up on me constantly when transferring, over a 5 day peorid all citi said is that they were sorry. That money has still not been put back into my account. The new account I opened was over 6 figures.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX