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

Bank : TD Bank Fraudulent charges due to stolen credit card information. 
I reached out to TD Bank back on XX/XX/XXXX in regards to several charges that were obviously fraudulent. The charges are listed below : XX/XX/XXXX XXXX XXXX XXXX NY {$25.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA {$44.00} XX/XX/XXXX XXXX XXXX XXXX WA {$210.00} XX/XX/XXXX XXXX XXXX XXXX WA {$140.00} XX/XX/XXXX XXXX XXXX XXXX XXXX NY {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXX NY {$110.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY {$2.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY {$3.00} XX/XX/XXXX XXXX XXXX XXXX NY {$66.00} The charges XXXX and after have been reimbursed but the ones before that have been denied. The bank is not being helpful and any attempts to reach out to the disputes department have been futile. 

I am also attaching an image of my XXXX transaction showing that there is no {$25.00} charge on XX/XX/XXXX when my information was stolen and used. 

I am extremely livid and would appreciate any help from CFPB because my bank is unresponsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or 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, credit repair services, or other personal consumer reports

1. LexisNexis inaccurately published and reported an eviction judgement on XXXX XXXX XXXX report to XXXX XXXX, XXXX XXXX  and subsequently XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX as a judgement for the plaintiff. The eviction case # XXXX was appealed as of XX/XX/XXXX and subsequently dismissed as of XX/XX/XXXX. 

2. LexisNexis inaccurately published and reported an eviction judgement case # XXXX on XXXX XXXX XXXX report to XXXX XXXX XXXX XX/XX/XXXX as a judgement for the plaintiff. 

Damage : The inaccurate reports defamed XXXX XXXX XXXX rental history causing her to unfairly being denied housing ; resulting in homelessness for her and her child, increased cost due to temporary housing accommodations and lost funds due to the cost of the rental applications. 

Remedy : Remove the eviction from XXXX XXXX XXXX  consumer report immediately to prevent further damage.
Product: Debt collection

In XX/XX/XXXX, my wife parked her car in a parking lot and for whatever reason, ( I think she forgot to have her parking tag displayed ), she received a parking ticket. In XX/XX/XXXX, she paid the fee. 
The car is registered in her name with the State of Colorado and always has been, back to XX/XX/XXXX. 
Now, in XX/XX/XXXX, firm " Linebarger Goggan Blair & Sampson, LLP '' ( 'the firm ' ) have started mailing me, husband, for collection of the fees that were already paid by wife. 
1. Based on the fact that we already paid the fees, we don't intend to pay them again. 
2. Based on the sketchy fact that 'the firm ' has contact me, husband, instead of the owner of the car, wife, indicates to me that this is a questionable collection process as well as a questionable fee. 
3. Reputation wise, a search of 'the firm ' online reveals that they're collection processes are questionable, un-ethical, and not based on accurate un-paid fees. 
4. Do I really believe that the parking lot wouldn't have contacted us in XX/XX/XXXX, or XX/XX/XXXX, or XX/XX/XXXX???? No. This seems like a law firm got ahold of old data and they're looking for suckers who will be intimidated and send money to this company. 
5. Given how sketchy this collection firm is, there's no reason why I'd ever let them near my bank account information via me sending them a check, or me paying via a credit card at their website. They're an identity theft waiting to happen. 
6. The paperwork sent to me has no mention of the CFPB as a notification of customer rights or recourse for action. If they want to avoid the CFPB, they're probably not reputable.
Product: Credit reporting or other personal consumer reports

This is my third formal dispute regarding the inaccurate reporting of my XXXX XXXX XXXX ( Account No. XXXX ) account on my TransUnion credit report. Despite previous disputes, TransUnion has failed to correct this error, which falsely reports the account as late. This misrepresentation is damaging my creditworthiness and contradicts the accurate reporting by XXXX, which shows no late payments. I have consistently paid this account on time, and TransUnions refusal to correct this discrepancy constitutes multiple violations of federal law. TransUnions inaccurate reporting violates 15 USC 1666b ( a ), which prohibits treating payments made within the agreed timeframe as late. Additionally, under 15 USC 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. TransUnions failure to do so reflects a lack of compliance with this legal standard. Further, 15 USC 1681s-2 ( b ) obligates furnishers of information to investigate and correct inaccuracies upon receiving a dispute notice, yet this requirement has been disregarded. TransUnion is also in violation of 15 USC 1681i ( a ), which mandates a timely and thorough reinvestigation of disputed information. The repeated failure to resolve this matter demonstrates willful negligence under 15 USC 1681n, which allows for damages of up to {$1000.00} per violation, as well as negligent noncompliance under 15 USC 1681o, holding TransUnion liable for the actual damages caused by this inaccuracy. Moreover, this issue breaches 12 U.S.C. 5531, which requires fair, clear, and transparent practices in consumer financial services, including proper dispute handling and accurate credit reporting. TransUnion has failed to meet these obligations. The continued failure to resolve this matter is causing ongoing harm to my credit score, financial well-being, and peace of mind. TransUnions negligence in addressing this matter despite repeated notices has subjected me to unnecessary stress and financial harm. I demand immediate correction of this account to reflect the accurate payment history already reported by XXXX. Failure to resolve this matter promptly will leave me no choice but to pursue further legal remedies, including regulatory escalation and litigation to recover damages under applicable federal statutes. I expect a response confirming corrective actions within 14 days of receipt of this letter.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has 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 ( 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
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a dispute in regards to my Identity being compromised and the reporting of erroneous accounts that I have not authorized being on my credit nor did i receive any goods or services stemming from these accounts
Product: Vehicle loan or lease

Purchased a XXXX XXXX and financed through Chase Bank. Paid XXXX for tax, title, and license. Signed all documentation and sent via XXXX to XXXX in California to register my vehicle. As of today 's date I have not received. I took delivery of the vehicle on XX/XX/year>. The company is on the verge of closing its doors and now I have a XXXX automobile that is not registered or working properly.
Product: Credit card

I spent {$100.00} on utilities with this credit card to fulfill the {$15.00} offer, but the {$15.00} was never issued : XXXX, receive a {$15.00} statement credit when you spend {$100.00} or more in select categories between XX/XX/XXXX and XX/XX/XXXX with your Amazon Visa. * Plus, you continue to earn your rewards by setting your card as the default payment method. 
You have already enrolled into this offer!
Product: Vehicle loan or lease

I recently reached out to North State Acceptance to cancel both my Gap Insurance and Service Contract as I wanted to pay off my vehicle, a XXXX XXXX XXXX. I spoke with a Few different people at this location concerning the cancellation of the GAP and Service Contract as well as receiving the payoff for the vehicle. I was told on XXXX separate occasions that the payoff amount was {$7400.00} and that the amount was good until XX/XX/XXXX. 
I submitted a cashiers check for the amount and it was delivered to ther po box , the billing address that I found on their website on XX/XX/XXXX. 
I received a phone call from XXXX of the ladies at your office on XX/XX/XXXX and was told that the check that I had mailed wasnt enough to cover the amount owed. She said that the mail wasnt checked until XX/XX/XXXX and went further to state that the number that was provided by the company ( on XXXX different occasions as we wrote the same number down XXXX  ) wasnt the amount that I was provided. 
She also said that she was holding the certified check, drawn from my bank and wasnt sure what she wanted me to do with the payment but then also later said that if the account wasnt paid that it would go into repo status soon as she had the {$7400.00} check in her possession. 
The check for {$7400.00} is in fact the number that was provided to me on XXXX separate occasions, spanning XXXX different days. I asked her numerous times how she came up with the number that she was saying that I owed, and never got a straight answer. I speculate a few different ways in which she came up with the number that she said, and since she couldnt or wouldnt tell me. 
I purchased the automobile in XXXX of XXXX, under the contract it states for a term of XXXX  months, BEGINNING in XXXX. They even mailed a coupon printout payment book. They received on XX/XX/XXXX the payment that was due on XX/XX/XXXX. I was also charged interest on a cancelled gap and extended warranty that I cancelled within the free look period.. 
I also am aware how the Rule of XXXX works in financing as well, and having an understanding of this practice - the numbers don't equate to what I was charged, given the contract, removal of optional insurance, payment begin date, etc. 
Looking at my credit report, I purchased the car on XX/XX/XXXX, - I made a {$3000.00} down payment and their reporting I had come due a payment of {$340.00}
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 Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$38000.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I have rights to preserve the fair and accurate reporting of all accounts on my consumer report and Consumer File. I have disputed accounts that have been already removed because they were lawfully supposed to. I now see those back on my account. These are accounts of unvalidated and inaccurate reporting. These are also appearing without my consent, written instructions per 15 USC 1681b, nor was I notified in writing that they are reporting this information. This Consumer reporting agency is not in compliance with 15 USC et seq, nor 12 CFR Part 1022 - Fair Credit Reporting ( Regulation V ). I have instructed TRANSUNION to remove ALL Late payments, delinquencies, inquiries and ALL of the negative Items and reporting. They are reporting Income Charge-offs '' ( per the IRS ) on my report, and they are sharing late payments on accounts that fall under the authority of 15 USC 1666b where late payments are not to be reported. This is unacceptable.
Product: Credit card

Capitol one took my money for my credit cards then closed my account saying they never received the money. An unauthorized account also popped on my account and I called to tell them that I didnt authorize this account nor put this account on mine and they still decided to close my account and charge me fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Theses companies need to do there due Diligence on how they allow People to Commit fraudulent Crimes using people personal Information. 
because someone got a hold of my personal Information. I am Now a victim of Identity Theft. I Did not give anyone Permission to Open these Accounts
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, XXXX and XXXX immediately! 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

The commercial account was incorrectly reported on the personal side. I have several disputes and the company does not update the information and deletes the account with # XXXX the account belongs to XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/scrub>XXXX XXXX {$1000.00} Refundable Deposit for a Vehicle paid Vehicle not received Person refuses to Refund me the Refundable Deposit and Bank is refusing to approve the return of my money under fraudulent/scam so now I am out the money
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I understand that FCRA XXXX requires the removal of any erroneous accounts from my credit report. Can you please verify the documents? Some accounts have been inaccurately reported, with incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Equifax, nothing has changed! So once again, I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be REMOVED and BLOCKED. 


XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to secure my and 148 million other people 's vital information. To say I am angry is an understatement. Equifax seems prepared to offer one year of credit monitoring for free then charging each year after that. Do i have to pay for their mistake? This is crazy.