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

XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$1100.00} - This account has the wrong balance. Please remove this account because inaccurate information is being reported. 

XXXX XXXX XXXX XXXX Balance {$0.00} - This account has been sold to another agency and you are past the legal time allowed to be reported to this account. Delete this account as soon as possible. 

XXXX XXXX XXXX XXXX Balance : {$110.00} - Account unknown please remove. 

XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} - Reporting unknown which means it's incomplete, please delete. 

XXXX XXXX XXXX XXXX Balance : {$3200.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. Please remove this account. 

XXXX  XXXX XXXX, XXXX XXXX Balance : {$1300.00} -This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance {$1400.00} - This account is showing several violations. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of last activity. These are all violation please remove. 

XXXX XXXX XXXX XXXX Balance {$610.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account.
Product: Money transfer, virtual currency, or money service

I was contacted by this loan company called One main loan online they call me yesterday and said they was out of New York and I live in Missouri and I'm trying to get along to help with the emergency funds to help boost my credit and pay mostly unpaid bills so I can currently get back enrollment in school online they Told me that my credit score was high enough into an XXXX credit score my current score is XXXX So I had to pay for insurance for me to get the loan of {$2900.00} I Was Really Asking For {$2500.00} I was then asked to go to my XXXX XXXX and send {$100.00} for insurance company called XXXX to send it to XXXX XXXX through XXXX on my XXXX XXXX well I couldn't send the full amount of {$100.00} because I didn't completely have it because I get charged {$3.00} every time I made a transfer to Funds to XXXX XXXX I never did this way before an I Sent {$87.00} to XXXX XXXX and I'm sure I was scammed out of {$100.00} because I'm sure you don't have to pay for insurance of transfer of Funds from XXXX XXXX  account to another account from New York to Missouri and it's a loan company online called One Main Loan company
Product: Checking or savings account

Good day, On XX/XX/year>2024 I opened a Smart Advantage checking account in BMO bank. 

I was promised a promo bonus of {$300.00}, and a bank representative later confirmed that I am on track to receive it in a phone call. I fulfilled all the requirements for the bonus at it was advertised ( direct deposits of {$4000.00} or more ) in the first days of opening the account. 

A month ago, in the beginning of XXXX I asked a bank representative to upgrade my account to Relationship Checking as I was expecting some wire transfers, and they should have been cheaper with this account type. The representative has gladly assisted me without any warnings. 

Few days ago, after not getting the bonus in the advertised dates I contacted the bank, and they told me I was denied the bonus because I changed the account type. They even attached Terms and Conditions for the offer, but didn't cite them, because there was nothing related in them. 

I tried to convince bank representatives that I haven't violated the Terms and Conditions on several occasions, but they dismissed my claims ( again, without any quotes from specific offer terms ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested from XXXX and Wells Fargo to send me a physical validation original signature and they have failed to do so also every dispute I file they changed Dates and the amount ... .there is too many inconsistencies in reporting on my credit by Wells Fargo and XXXX  different amounts owe { NOT ACCURATE } reported Payment in 2015 { NOT ACCURATE to extend date i believe } Several different First reporting dates { NOT ACCURATE } close date { NOT ACCURATE } are all inaccurate ... on my credit report file I believe XXXX has played a big part reporting when they know that there's some inconsistencies and I personally believe that big Banks pay credit bureaus to continue to report negative items on one 's credit in spite of inaccurate info XXXX allows the creditors change dates, amounts and removal dates to fit wellsfargo 's narrative ... I believe they must follow the guidelines of Federal Credit Reporting Act and CFPB..
Product: Credit card

XXXX is reporting that Gold Star Mortgage Financial Group pulled my credit on XX/XX/year> for some sort of mortgage. This has been done without my consent and most likely a result of identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to formally contest the erroneous inclusion of certain accounts in my consumer credit report. It has come to my attention that I did not provide written consent for the reporting of these specific accounts, which, I believe, constitutes a violation of my rights under 15 USC 1681b. This particular statute safeguards consumer information and necessitates obtaining consent prior to reporting it. 

I would like to note that I have already lodged a complaint with the Federal Trade Commission ( FTC ) and have been assigned a reference number for my case, which is XXXX. Despite this, my efforts to request the removal of these accounts from my credit report have been met with responses from the creditor, supplying documents that I did not request. It is my contention that your credit reporting agencies bear responsibility for ensuring accurate and compliant reporting. 

As per the provisions outlined in 15 USC 1681c-2, consumer reporting agencies are obligated to promptly block the inclusion of information in a consumer 's file that the consumer identifies as arising from alleged identity theft. I kindly request that you fulfill this legal obligation and swiftly eliminate the following accounts from my consumer credit report : Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX In addition, I would like to bring to your attention an unauthorized inquiry on my report by XXXX XXXX XXXX, dated XX/XX/XXXX, and another factual data inquiry by XXXX XXXX, dated XX/XX/XXXX. Lastly, there was an inquiry made by XXXX XXXX XXXX  on XX/XX/XXXX. 

I anticipate that these accounts and inquiries will be removed in accordance with the legally stipulated time frame, no later than XXXX business days after your receipt of this correspondence.
Product: Credit reporting or other personal consumer reports

I was unaware of these collections on my consumer reports and I demand that this company delete these items.
Product: Debt collection

I sent two certified letters to this collection agency. I sent an initial request after receiving a phone call that violated FDCPA by disclosing a debt to a third party. I requested the validation of the debt on XX/XX/XXXX as this account has been disputed for identity theft. I sent a second certified letter to this collection agency XX/XX/XXXX disputing the validity of the debt as the documentation received as validation did not include any evidence that this debt is mine. I also further filed a report with the FCC in regards to the identity theft and abusive and illegal collection practices this agency has taken which has caused me great financial harm. I am now filing a complaint with the CFPB, FDCPA, FCRA, and the XXXX   in regards to this claim. I have done my part as a consumer to notify this agency that this debt is invalid and I am requesting immediate rectification or I will seek damages via an attorney.
Product: Payday loan, title loan, or personal loan

I have an online checking account with Moneylion. They offered me a loan for {$500.00}. The company deposited only {$100.00}. When I downloaded the paywork it stated I would have pay {$580.00} to them over 24 payments. Then I will have access to the XXXX. It was a bate and switch. This action can be viewed predator lending. The are reporting that I owe them {$500.00}.
Product: Debt collection

( CCB stands for Comenity Capital Bank ) I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. I am a victim of fraud and theft. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit.
Product: Credit card or prepaid card

I had my Citi bank double cash card recently closed by Citi bank. I had the card since XXXX. My payment history is 100 % perfect since opening the card. My card expires XX/XX/XXXX. Citi Bank then sends me an email in XXXX stating stating they received my request and decided to close my account. I called Citi Bank and they said that the credit bureau closed my account not them, I told them that was not possible. I thought at this point my identity as been stolen, but why would a scammer close my account, that doesn't make sense but since the Citi representative said they didn't close my account the credit bureau did I decided to find out what's going on. I called the credit bureau and they said Citi Bank closed the account per their request. So now I disputed my account closure with the bank to the credit reporting bureau XXXX. I get a letter in the mail from XXXX stating that the bank in fact closed my account. So I called Back Citi bank and asked them why they closed my account, they said because I had a Delinquency with XXXX XXXX they have decided not to renew my Citi double cash card. Then on top of that, they made a lie saying that I called in XXXX, claiming that I would like to have my account open. ( I never called in match because I wasn't aware that account was being closed, I have attached that letter today as I found it today, through the Citi bank app ) Meanwhile, my account was never closed in XXXX, It was closed in XXXX, they disregarded using my pristine payments with the bank since XXXX and choose to close my credit card with the longest credit history because of a closed account with XXXX XXXX closed my account and then reported a 30-day late payment. How can you close an account and then report 30-day late payments? The account is closed.
Product: Credit reporting or other personal consumer reports

I want XXXX removed from Social Security number ( ssn ) area/field of my consumer report. This information is in accurate and I would no version of my Social Security number to be reflected on my consumer report in any way. This is my right to privacy as a consumer pursuant the privacy act of XXXX. 


I would like the following hard inquiries removed from my credit report per 15 USC 1681 permissible purposes without my permission. The following information legally can not be reported. Therefore, I want it removed immediately. 

XXXX 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: Mortgage

I was charged an incorrect amount of interest by Ocwen when I paid off my mortgage. They received my loan payoff and did n't credit it to my account because they said it was n't the right amount.
Product: Credit reporting or other personal consumer reports

I wrote a letter to the credit bureaus asking for the removal of these accounts because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high accurate information, and they did not. The account is inaccurate, they never showed me how they verified these accounts nor how they updated these accounts, they did not disclose their method of verification nor a contract bearing my signature as requested. These accounts are affecting my credit report and me trying to get a house, car, and other loans. Please remove them immediately. They had up to 30 days to provide me with the method of verification and a contract or any proof that these accounts are mine. I received neither. Please remove them. 
Equifax Accounts XXXX. XXXX ( XXXX, Equifax, XXXX ) Account XXXX : XXXX XXXX {$750.00} XXXX. XXXX XXXX ( XXXX, Equifax, XXXX ) Account Number : XXXX Amount {$1800.00} XXXX. XXXX XXXX XXXX ( XXXX, Equifax, XXXX ) Account Number : XXXX Amount : {$940.00} XXXX XXXX XXXX XXXX  ( XXXX, Equifax, XXXX ) Account number : XXXX Amount {$820.00} XXXX. XXXX ( XXXX, Equifax, XXXX ) Account XXXX : XXXX Amount : {$180.00} XXXX. XXXX XXXX XXXX XXXX ( XXXX, Equifax ) Account XXXX : XXXX Amount : {$920.00} XXXX. XXXX XXXX ( Equifax ) Account Number : XXXX Amount : {$2200.00} XXXX. XXXX XXXX ( XXXX, Equifax, XXXX ) Account Number : XXXX Amount : {$680.00} This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and im entitled to {$1000.00} for every violation I listed, they have to pay me or delete these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

JCP continues to furnish derogatory remarks on credit report. This continues to permit from opening new accounts. Account satisfied.
Product: Debt collection

Im making payments as agreed to capital one. XXXX a month. Long story short ... Im struggling with my health and taking care of parents. Theyll get their money when I die but Ive been making payments religiously as agreed. They stopped sending statements couple months ago. They rejected my XX/XX/XXXX money order stating no account number. My handwriting is not good. I alway place sticker with complete account number. It was missing she returned to the bank. I feel they did this o purpose to drag me to court for more money. Im tired of the games. I pay every month. Even when they dont send statement and its never reported in my credit report with any debt collectors. Please make them send me a statement as agreed. Im replacign money order XXXX XX/XX/XXXX. With money order XXXX XX/XX/XXXX. Mailing XX/XX/XXXX. Please help me. Im tired. I wish I could pay it all but I just cant. Im sorry XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I pulled my credit report to go over it and I saw a Collection entry on my report from Credit Collections Service The funny thing i that they are collecting for nothingwhich was included on my Chapter XXXX Bankruptcy in XX/XX/XXXX. The bankruptcy was discharged on XX/XX/XXXX. This collection item was opened on XX/XX/XXXX this should have never been opened and they should have never reported this collection account at all. This item needs to be removed now. I have disputed this item with all three credit bureaus and I even tried to get through to them but I was told that I would have to pay the money or face a judgement or they would garnish my money. Ridiculous this is. This goes against my rights under the Fair Credit Act. You can not do this you can not just go and illegally insert fraudulent accounts on my credit report. This is a crime this is wrong.
Product: Credit card or prepaid card

I am a federally protected consumer ; natural living person. I am aware that Bank of America is in violation of my federal rights. I am not being coerced by any third party or agency and I am making this complaint with my own free will. Please review the complaint attached.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to PENTAGON FEDERAL CR UN. In my credit report from XXXX XXXX XXXX, I found this derogatory item that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, fake cashapp emails and texts were created by scammer XXXX XXXX to steal money from me. The emails and texts had similar messages explaining that there is another cashapp account by the name of XXXX XXXX that is trying to send me money, and I had to pay a sizable acceptance fee to accept it. I was a little suspicious until she messaged me confirming she is indeed trying to send me money for apparently no other reason besides " wanting to help me out. '' She was a newly acquired XXXX friend but I foolishly still trusted her. She managed to get me to send money to a team of scammers who I thought was going to resolve this issue of acceptance fee rejection that she claimed to be receiving. As well as using the fake cashapp account to send me false verifications of rejected payment attempts to my number to back up her lies. That way, she can continue to pocket all money sent. She also used another number to impersonate her own accountant. She managed to steal XXXX and even impersonated the FBI using the same number as the fake accountant when I threatened to report her to the FBI. I eventually did and reported all the evidence I had to them and CID as well.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$26000.00} XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute with Equifax on XXXX for 2 fraudulent hard inquiries and a fraudulent XXXX XXXX XXXX loan account with a balance of {$49000.00}. Per the instructions provided by the FTC, I provided Equifax with the completed FTC Identity Theft report and copies of both the front and back of my driver 's license. After receiving no update from Equifax in the required 4 business days, I logged into the Equifax website on XXXX. Equifax removed the inquires but said they verified the account was mine with blatant disregard for section 605B of the Fair Credit Reporting Act. Unless I misunderstood the FTC 's instructions, the Fair Credit Reporting Act applies to BOTH inquires and accounts. Equifax needs to be held accountable for complying with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed the XXXX XXXX collection thats on my credit report this inaccurate detail have adversely affected my credit worthiness and hampered my chances of acquiring new credit. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following items in my credit report be re-verified and removed : XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, Experian, and XXXX data breach.
Product: Checking or savings account

On XXXX XXXX, My balance on the Fifth-Third acct XXXX was {$1000.00} after a {$75.00} was taken out illegally. the balance before this was {$1100.00}. Someone from Fifth-Third Bank in XXXX, Fl. called me claiming that there was fraud going o in my accts. They said I needed to move ALL my money, from two savings accts. to my checking acct. The total of ALL my accts was {$9.00}. On XX/XX/XXXX the bank had refunded only XXXX. I am missing XXXX. I have tried to talk with the bank several times about this and they say I am fully refunded. Please help me get my money back XXXX XXXX XXXX
Product: Debt collection

I have a dispute still under investigation with XXXX of the credit bureaus. 

XXXX XXXX XXXX is the debt collecting company collecting on behalf of Suntrust Bank on my credit card debt. Even though I have been paying on time according to the negotiated terms and allowing the company to directly debit my bank account they are still reporting me monthly as paying late because they are using my total balance owed as past due instead of reporting the amount due as the payment amount that they agreed to accept as a monthly payment in XX/XX/XXXX. I am being intimidated and/or threatened by this tactic. When I spoke with a XXXX XXXX XXXX on XX/XX/XXXX to try and resolve this issue with them directly, he essentially told me that they would continue reporting me as late until the entire balance is paid off. I acknowledge that I owe the balance but if I could pay the whole balance off in XXXX lump sum I would not be in this situation. I am trying to do the right thing by paying as agreed according to the negotiated terms of repayment.
Product: Credit reporting or other personal consumer reports

I am filling this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect mt true credit history. 

XXXX XXXX ACCOUNT # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX XX/XX/XXXXXXXX XXXX XXXX ACCOUNT # XXXX XX/XX/XXXXXXXX XXXX ACCOUNT # XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXX XX/XX/XXXX