23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My Barclays Bank XXXX XXXX XXXX XXXX XXXX XXXX was stolen. I reported charges made using my stolen card in XX/XX/XXXX as fraud and requested a new card with a new account number. Barclays Bank US ' fraud department credits my account once a month for the fraudulent charges, but every XXXX  days reinstates the charges and attempts to collect payment from me for the charges that I reported as fraud. It is now XX/XX/XXXX and this issue has not been resolved.
Product: Credit reporting or other personal consumer reports

Ive noticed several companies have pulled my credit report and submitted applications in my name that I never authorized. These inquiries are completely fraudulent, and I have no idea where they came from. I contacted Equifax, and they assured me that these would be removed from my report, yet theyre still there. This situation is causing me a lot of stress and frustration, and I need it resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

Equifax has reported fraudulent inquiries on my consumer report after I have sent and ftc report and letter stating they are reporting inaccuracies on my consumer report. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was alarmed to see unauthorized inquiries that I can't explain. I routinely check my credit report, and this is the first time I've seen such discrepancies. Refreshing my browser didnt resolve the issue ; the unauthorized inquiries remained. I ask that the documents Ive submitted be thoroughly examined so I can finally stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

attached is the CERTIFIED MAIL FROM XXXX XXXX and XXXX. Experian is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! Account : XXXX XXXX XXXXXXXX CHILD SUPPORT XXXX Open options Account # XXXX XXXXXXXX XXXX XXXXXXXXOpen options Account # : **** XXXX XXXX  XXXX Open options Account # : **** XXXXXXXX XXXX XXXXXXXX Open options Account # : **** XXXX XXXXXXXX Open options Account # : XXXX XXXX options Account # XXXX XXXX  Open options Account # XXXXXXXX XXXX XXXX XXXX XXXX Open options Account # : -- XXXXXXXX XXXX Open options Account # XXXX SXXXX XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXXOpen options Account # XXXX XXXX Open options Account # XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer 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 IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report inaccurate, unvalidated information to my credit file. I have proof from the creditor that this information is not valid. This credit bureau is willfully violating the FCRA. According to the FCRA, this item should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has had an incorrect Reported debt on my credit report for over 7 years which has been deemed unrecoverable unremovable and I have actually paid the debt off And it is still reported on my Credit reported
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint for violation of 15 U.S. Code 1681s-2. I notified the credit agencies via certified mail about my concerns regarding the accuracy of certain items on my credit reports. I personally wrote and sent this request, without involving a third-party agency. It seems evident to me that they are misusing their authority under the FCRA to avoid a thorough investigation.

I contacted the creditors listed below, requesting an investigation into, inaccurate, and falsely reported items. However, I have not received any response to date. I believe this delay is a deliberate tactic to gain an additional 30 days to comply with my original request, which I consider a clear violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

The credit reporting agency has been providing incorrect and incomplete account information on my credit file. I am deeply concerned about the presence of these inaccurate accounts on my credit profile. Their agency has failed to uphold reasonable procedures in ensuring the maximum possible accuracy of the credit information they report. Consequently, you may be held liable under 15 U.S.C. 1692g validation of debt. Additionally, based on the case of XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX  ), your agency could be liable for false reporting. It is crucial that credit reporting bureaus adhere to laws that require them to report only 100 % accurate credit information. 

Furthermore, I have not received a response to my letter within the required timeframe of 30 days. This failure to respond not only constitutes a violation of the Fair Credit Reporting Act ( FCRA ), but it also reflects a lack of accountability and adherence to consumer rights. 
I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that the credit agency complies with the law. Specifically, I request the following actions be taken : Enforce obligation to remove the inaccurate accounts from my credit report, as required by 15 U.S. Code 1681s-2. Be held accountable for their failure to respond to my letter within the mandated 30-day timeframe. It is crucial to protect consumers ' rights and ensure the accuracy and fairness of credit reporting.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$480.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$950.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$700.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$750.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX -- {$1700.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a notarized affidavit to Experian stating that the 15 accounts they had listed under my profile that were showing a 90-day late payment were invalid and I wanted to have the accounts updated. They wrote back stating the accounts were verified. I sent them my credit report from their direct site showing how my account payment status shows the accounts were on time and then one month they just show a 90-day late payment. This is against the FCRA and they are reporting inaccurate information to my credit profile. These accounts were never late and it's impossible for an account to have a positive status for one month and the next month be 90-days late. I told Experian in my dispute that I wanted a live person to review this case and that I did not consent to e-Oscar or any automated verification processes. They ignored my request and they still utilized automated verification processes. I asked them to send me the verified information they had showing the accounts were reporting accurately. They ignored this request as well. I'm filing this complaint as the company has violated FCRA 611 Subsection 7 : Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. They violated FCRA 611 Subsection 5 ( A ) : In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Experian can not verify information that is clearly inaccurate. A person can not have a full payment history of on-time payments and then the very next month have 90-days late. Experian 's automated system is missing important facts about this dispute and it's causing me damages. If this matter is not resolved I will be filing a small claims suit for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Debt collection

General revenue is the collection agency that has reached out to me via telephone identifying themselves as a collection agency. I do not have an account with this collection agency. Therefore, I have asked them to deceased with contacting me until they can provide a validation letter of the this debt owed to General Revenue with my signature. As of yet, I do not have verification of this collection information and the collection agency failed to follow the FCRA federal laws. This collection agency is only reporting to one credit bureau XXXX, and XXXX for XXXX and XXXX. Therefore, the information is inaccurate. I am requesting a immediate removal from my credit reports.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

1. Account name : XXXX XXXX Account number : # XXXX XXXX. Account name : XXXX XXXX XXXX Account number : # XXXX XXXX. Account name : XXXX Account number : # XXXX XXXX credit reporting agency continue hurting and damaging my consumer rights by double-dealing in a clear act full of bad intentions and dishonesty giving unfairly advantage to creditors and denying me the opportunity of a home financial to advance in life based on the negative information reported on my credit file.

I was informed by this credit reporting agency that the Account name : XXXX XXXX  : Account number : # XXXX was DELEDED from my file. 

XXXX lied to me and the CFPB since the account : XXXX XXXX XXXX Account number : # XXXX above still show on my credit report. 

I filed a complaint with the CFPB. Complaint # XXXX in which the company responded the account above was deleted from my credit file I filed a complaint with the CFPB. Complaint # XXXXXXXX XXXX trickery continues furnacing disputed and previously deleted information from my credit file. 
I have summited to XXXX  credit report XXXX theft reports several times : FTC REPORT # XXXX FTC REPORT # XXXX I request XXXX supplied proof of the alleged debts, writing contracts, copies of writing permission, copy of my driver 's license and copy of social security. 
Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, 15 USC 1681s-2 ( a ) ( 1 ) reasonable cause to believe that the information is inaccurate, 15 USC & 1681s-2 ( a ) ( 7 ) negative information,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 USC 1681a ( q ) ( 4 ) Definition : identity theft report,15 U.S. Code 1692k - Civil liability and send the required notifications to all Furnishers of this information.
Product: Consumer Loan

On XX/XX/XXXX I submitted c complaint XXXX and was told it was going to be filed and removed in court shortly according to the complaint reply made. A title search was done and up to date as of XX/XX/XXXX and remains on title, if this is not done very quickly I will end up being forced into foreclosure. If this happens I will be filing a lawsuit for all damages we incur. Please respond as I do n't have much time and the bank is not going to wait much longer!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for XXXX purpose. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoke to XXXX, Equifax and XXXX  and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. I work extremely hard and in need of a new vehicle to get to and from work. This is really impacting my credit score and personal life.
Product: Credit reporting or other personal consumer reports

XXXXAccount # : XXXX XXXX Account # XXXX VIOLATESMY RIGTHTOPRIVACY..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 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 card

On Thursday XX/XX/XXXX at XXXX XXXX I received a payroll deposit to my checking account in the amount of {$2900.00}, Chime automatically transfer to my credit builder account in the amount of {$740.00} at XXXX. Then at XXXX I transfer {$500.00} back to my checking account from my credit builder account which leaves {$240.00} in my credit builder account. My new balance in my checking account is {$2700.00}. I use my credit builder card at XXXX at XXXX for {$4.00} which leaves {$230.00}, then I used my credit builder card at XXXX at XXXX  XXXX 's for {$17.00} which then leaves. {$220.00}. I then used my credit builder card at XXXX at XXXX for {$12.00}, which then leaves {$200.00}. On XX/XX/XXXX at XXXX I withdrew {$200.00} from the ATM , which then leaves {$8.00}. On XX/XX/XXXX I used my credit builder card at XXXX at XXXX XXXX for {$3.00}, which then leaves {$4.00}. My credit builder card was then charged at XXXX {$2.00} out of network ATM fee which then leaves {$2.00} in my account. I then used my credit builder card at XXXX at XXXX XXXX for {$13.00}, which then my credit builder account was ( negative ) - {$11.00}. My credit builder account then said ( negative ) - {$220.00} which is still reflecting on the account. I called and emailed chime several times to resolve the issue which the supervisors of the call service found to be indeed incorrect as well. I was asked to email screen shots which I did and I'm still getting the run around when I call for an update of the matter, I'm transferred throughout the call center from one person to the next, each time explaining my issue with no help or resolution. The call center for chime bank has been no help in the matter and as I am unable to speak with someone higher for chime bank the matter is left unresolved and I also have more deposits that will be coming to chime bank in a few days. Chime bank has given me a {$210.00} spot me feature on the app that I am able to use at any time but is unable to at the moment because of the - {$220.00} in my credit builder account. I pay the spot me back when I receive payroll deposits through chime. However, I'm only responsible for the - {$11.00} that I overdrew on my credit builder account not the - {$220.00} as my spot me is only {$210.00} so it's not possible for me to overdraw my account past {$210.00} total.
Product: Payday loan, title loan, or personal loan

I made a payment of {$5400.00} on XX/XX/XXXX. On XX/XX/XXXX, an automatic payment for {$120.00} paid the remainder of the balance. OneMain claims the payment of {$5400.00} was returned by my bank, XXXX. The payment was not returned and it was debited from my account. I provided OneMain with my XXXX bank statement showing the payment was not returned. My online account with OneMain does not show this payment was returned in the payment history. I have made several requests to OneMain to provide documentation to support their claim. They have not provided documentation. I have only received a letter from OneMain declaring they confirmed the payment was returned after completing a thorough review. In the same letter, OneMaine stated the payments totaling {$13000.00}. {$5200.00} toward interest and {$8600.00} toward principal. The original loan amount is {$8200.00} which means, per OneMain, I have paid back the principal balance. This issue is still unresolved Additionally, the statements for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX indicate there is Monthly Obligatory Amount Due as {$0.00} with a Past Due Amount of {$5300.00}. OneMain claims when the system the payment was made, it satisfied the monthly payments to XX/XX/XXXX but when the payment returned and the system reapplied the balance it will not undo the payments. This process is harmful to customers because it is deceptive.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to receive {$1000.00} for each incorrect entry on my credit file.
Product: Payday loan, title loan, personal loan, or advance loan

Account was sold to Sunrise Credit Services on XX/XX/year>. Without my permission or notification via mail, email, phone call.
Product: Mortgage

On XXXX XXXX XXXX my mortgage was transferred from XXXX XXXX XXXX XXXX XXXX to rushmore servicing.up to that date my loan was up to date at 2 % monthly payments XXXX XXXXXXXXwhen my loan transferred a illegal increase to {$1500.00} in monthly payments from illegal escrow charges for tax and insurance when these are included in my monthly payments.the letter attached clearly states the transfer does not affect any term or condition. My loan was not modified in any way. On XXXX XXXX XXXX all my arrears were paid and my mortgage reinstated and paid up until XXXX XXXX when my mortgage was transferred to the same company with illegal fees and charges breaching mortgage that was in place
Product: Debt collection

I contacted XXXX  XXXX XXXX XXXX  on XX/XX/2020 regarding my outstanding balance with Speedy Cash and they advised me that they have not had my account in years. They referred me to XXXX XXXX XXXX, Receiver because there was a judgement against me for this and XXXX XXXX was the appointed receiver. I came to a settlement agreement with them and paid the settlement amount. I then disputed the inaccurate reporting and XXXX XXXX XXXX XXXX " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. '' I have attached a copy of the release of judgement and also included that in the original dispute. This has caused me extreme mental, physical and emotional anguish.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX, XXXX, TX, XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$2000.00} XXXX XXXX XXXXXXXX Balance {$660.00} XXXX XXXX XXXX XXXX XXXX Balance {$370.00} XXXX XXXX Balance {$290.00} XXXX XXXX XXXX XXXXXXXX Balance {$130.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute previously and it was supposed to take up to 30 days and it took 60. I never received the actions that were taken regarding my request for identity theft on my consumer report.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/2024 to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX  XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$540.00}, XXXX XXXX  XXXX Balance Owed : {$4800.00}
Product: Credit card or prepaid card

I have a credit card with PNC. I received an offer in the mail for a convenience check that was very attractive. I used the check for an amount that was less than the line of credit for that account. It turns out that the offer was for another PNC credit card that I had NOT ACTIVATED or used for many years and does not even appear under my name on the PNC credit card website with the PNC credit card I do use. The check I wrote exceeded the line of credit for that credit card and PNC did not pay the check. PNC knew or should have known that the offer it sent would lead me to believe it was for the one and only credit card that was active. This was a misleading and deceptive practice.