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

I was going over my credit report and I found several addresses and accounts that do not belong to me. My name is XXXX XXXX XXXX Please remove any variation of my name they are not accurate. I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My SS XXXX and DOB XXXX. Please remove the following addresses they are not accurate:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX , XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX . I was a victim of fraud and someone in XXXX XXXX was using my name for account and credit. I have never liver in XXXX.
Product: Money transfer, virtual currency, or money service

I sent the money {$1000.00} to XXXX through XXXX. ( bank of america ). 
I think the person who notified that number to me is fraud. 
I really need that money.. I am sooo frustrated right now. 
I called bank of america and they said the only way I can do right now it just claim so I already did it and I tried to reach the person directly and called to that number but never answered. I also called to XXXX but they can not help anything. 
They only way I can do is report this happening and keep trying to get refund. 
Please help me
Product: Debt collection

XXXX / Synchrony Bank does not honor billing address in an order 's final details for purchases made online through XXXX. They do not confirm that emails are sent to the correct email address for the person name listed on a purchase final order details. As a result, i had a debt and credit card that i was unaware of go to collections and it has damaged my credit score. They made no attempts to reach me by phone, reach me by either shipping or billing address before sending this to collections. No parties involved have been willing to help me resolve this in a correct and fair manner.
Product: Debt collection

there is a derogatory Macy 's account in my credit report that does not belong to me. I have a current Macy 's account that is up to date on payments and has been that way for over 20 years. I need this to be cleared so that it reflects my actual information.
Product: Debt collection

Good afternoon! 

I purchased XXXX XXXX in XXXX. I was young and bought the the car with no paystubs or anything. Dealership falsified documents to be approved with Santandor. Santandor has XXXX dollar lawsuit that I qualified for but the car was totaled and therefore forfeits the lawsuit. 

The car was at 16 % interest rate. The car was totaled in XXXX and was paid by my car insurance and the remaining amount was paid by XXXX insurance. 

Santandar is still reporting a remaining amount due which is completely false. I have tried everything to get this resolved and taken off my credit report XXXX and XXXX.
Product: Student loan

In XX/XX/2024, I was prompted to recertify my income for which I did before the required deadline. As a result my payment increased from {$0.00} to {$65.00} through my recertification and transition to the SAVE plan. Subsequently, the Department of Education announced that those recertified before the deadline and had increased payment will be reverted to their old plan and lower payments until XX/XX/2024. I was placed in administrative forbearance since then where the months in forbearance would have counted towards PSLF eligibility.

However, given the challenges to PSLF in court, it seems my reversion from SAVE to PAYE is now in limbo given the legal challenges to SAVE and the freezing administrative plan changes. That being said, I am unfairly being caught in this situation as my request to revert to my old plans and lower payments predated the court challenges to SAVE and now I am being unduly burdened and delayed in my PSLF journey.
Product: Mortgage

I inquiried about doing a refinance with Golden Oak Lending after receiving a flyer in the mail, after providing my interest rate I was told that the rate on the flyer was old and they could not do better than the rate I already had, yet they did an credit inquiry after the fact.
Product: Vehicle loan or lease

I am XXXX XXXX military and did not receive my XXXX benefit of my car loan and was at a 16.04 %. Under the state of Louisiana. Navy Federal did not give me the opportunity of the benefit of XXXX.
Product: Credit reporting or other personal consumer reports

THIS ADDRESS IS UNFAMILIAR TO ME. KINDLY REMOVE IT. THANK YOU. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed XXXX, XXXX, EQUIFAX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Neither Credit Bureau have provided me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following Accounts, have 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 an account without my written instructions.

15 U.S.C 1681 ( 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. 1681-2 ( 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.

I've been a victim of identity theft and never applied for any of these accounts : Equifax : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act XXXX  accounts : XXXX XXXX Account # XXXX **** XXXX XXXX  Account # XXXX **** XXXX XXXX Account # XXXX **** XXXX XXXX Account # XXXX **** XXXXDEPT OF ED # XXXX XXXXXXXXDEPT OF ED # XXXX XXXXDEPT OF ED # XXXX XXXXDEPT OF ED # XXXX XXXX XXXX XXXX XXXX # XXXX Have 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 : States a consumer reporting agency can not furnish a account without my written instructions. I have not given these people written instructions to furnish my information. I would like a proper investigation done and these accounts removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO MY OPEN COMPLAINT REFERENCE XXXX, I RECEIVED A LETTER FROM TRANSUNION TODAY XXXX STATING I NEED TO CONTACT THE CREDITORS MYSELF AND LET THEM INVESTIGATE. WHAT PART OF DUPLICATE INQUIRIES AND FRAUDGLENT INQUIRIES DO THEY NOT UNDERSTAND. I HAVE BEEN THROUGH THIS WITH TRANSUNION MULTIPLE TIMES WHICH IS WHY I CAME TO THE CONSUMER GOVERNMENT SITE FOR HELP. THEY ARE REFUSING TO REMOVE DUPLICATE ACCOUNTS, THEY ARE REFUSING TO REMOVE FRAUD ACCOUNTS KNOWING I AM A FRAUD VICTIM. THIS IS MY FINAL COMPLAINT AND THEN I WILL HIRE AN ATTORNEY AND PURSUE LEGAL ACTION AGAINST TRANSUNION FOR ALLOWING CREDITORS GET THROUGH TO EVEN MAKE AN INQUIRY ON MY REPORT WHEN MY ACCOUNTS ARE FROZEN AND SHOULD NOT BE ALLOWED ACCESS FROM ANYONE. THEY STATE SOMETIMES THERE IS A GLITCH IN THE SYSTEM AND IT CAN COME UNDONE BUT THE CUSTOMER WHO PAYS THE MEMBERSHIP ( ME ) AND THE FRAUD REPORTS DONT COUNT. IT'S MY RESPONSIBILITY. I AM ASKING FOR THE CONSUMER SERVICES TO STEP IN AND GET INVOLVED WITH THIS MATTER. EVERYTHING ON MY PREVIOUS OPEN CASE REFERENCE XXXX IS ON THERE AND WHAT IS ACCURATE AND WHAT IS NOT. PLEASE REMOVE THIS INFORMATION FROM MY REPORT. TRANSUNION 'S REFERNCE NUMBER THEY PROVIDED ON THEIR LETTER IS REF XXXX, I AM NOT AND WILL NOT CONTACT THIS COMPANY AGAIN AND SPEND ANY MORE OF MY LOST HOURS AND TIME EVERY DAY TRYING TO DO THIS. EITHER THEY TAKE CARE OF IT OR I WILL HAVE IT REMOVED LEGALLY AND SUE THIS COMPANY FOR LOSS TIME, MENTAL ANGUISH, PUNITAIVE DAMAGES THEY HAVE CAUSED ME WITH THIS SITUATION. THE INQUIRIES ARE FRAUD AND DUPLICATES REMOVE THEM .... DONT SEND ME A LETTER SAYING I HAVE TO DO IT, AS IF I ALREADY DIDNT SPEND MONTHS TRYING TO DO THIS AND YEARS ON OTHERS. DO NOT REPLY BACK TO THE CONSUMER SITE SAYING YOUR STILL WORKING ON IT AND 2 DAYS LATER SEND OUT A LETTER TO ME. UNACCEPTABLE.DO YOUR JOB...
Product: Credit reporting or other personal consumer reports

I have made multiple attempts and have physical documentation of my paper trail disputes with XXXX, Equifax and XXXX dating back and starting in XXXX of XXXX and certified mail every 35-45 days until now. All 3 of the credit bureaus ignore my dispute requests and continue to publish inaccuracies on my credit report and fail to notate that the account is even in dispute. 

XXXX - This account is inaccurate and has been re-aged since the date of delinquency/date of last payment do not match across the 3 credit bureaus. 

XXXX XXXX - This account is in violation for failure of notating this account is and has been in dispute for months. 

XXXX XXXX - This account is inaccurate in the payment status and history. One credit bureau reads as current and the other shows late. 

XXXX - This account is inaccurate showing late 60 days on a closed account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX Solutions and requested validation of the debt from XXXX 3 times now. The initial contact was in early XXXX when they called. I also requested the credit bureaus authenticate this debt as I have paid XXXX when i returned the equipment. No debt validation was supplied. I have paid {$130.00} as of XX/XX/XXXX still without debt validation. I would like this to be updated as PIF and removed. I have not received any communications yet they report past due on my credit report which is inaccurate as the debt still has not been validated and I have paid more money to have it removed.
Product: Credit reporting or other personal consumer reports

I had a XXXX XXXX account through Synchrony Bank which was closed due to nonpayment. The past due balance showing on my credit reports is {$1200.00}. I called Synchrony Bank yesterday to resolve the balance and was told that they are no longer collecting on the balance and a 1099-C was issued for the previous account balance and as such, I was unable to make any kind of payment and was directed to dispute the status with the credit bureaus. I disputed the information with all three credit bureaus, and XXXX has already finished the dispute, but the reported balance was not changed and is still showing as past due for {$1200.00}. I dont understand what XXXX supposed to do if XXXX cant make a payment to resolve the balance but that it wont update to {$0.00}. It is impacting my ability to access new lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint is about my XXXX XXXX XXXX Credit Card. I applied to XXXX XXXX  on XX/XX/XXXX. I was approved for the card and i have been using my card ever since, I just order my credit report on XX/XX/XXXX and i notice additional 3 unauthorized inquiries on my Equifax and 3 unauthorized inquiries on XXXX  credit reports. Please see below. I authorized only one inquiry for the XXXX XXXX XXXX on XX/XX/XXXX and i was approved on that day an told my card was being sent to me. The additional inquires below were not authorized by me. Equifax Inquiry details XXXX - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit card

I am filing a formal complaint against Citibank regarding their failure to honor a promotional offer for the Citi / AAdvantage Platinum Select World Elite Mastercard. 

After conducting extensive research, I selected this particular credit card based on Citis advertised New Card Member Reward Points promotion of XXXX AAdvantage miles upon meeting the spending requirement. I applied for and was approved for the card on XX/XX/year>, and I have met all of the conditions required to earn the full reward. However, Citi has only credited me with XXXX miles instead of the XXXX miles I was promised. 

I have repeatedly contacted Citi customer service, spending hours on the phone attempting to resolve this issue. I have also provided multiple screenshots with date stamps clearly proving that Citi was advertising the XXXX offer at the time of my application. Despite my efforts, Citi has refused to correct this discrepancy and has failed to provide any legitimate justification for awarding me only XXXXXXXX XXXX 

This misleading practice is unacceptable and deceptive. As a consumer, I relied on Citis promotional offer in good faith when selecting this credit card. Their refusal to honor the agreement demonstrates a lack of integrity and unfair treatment of customers. This type of bait-and-switch tactic is not only unethical but also a clear violation of fair advertising practices. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Citi honors their promotional commitments. Additionally, I ask that Citi be required to credit the remaining XXXX AAdvantage miles to my account as originally promised. 

I have attached relevant documentation, including screenshots of the promotion and my approval confirmation email, to support my claim. I appreciate your prompt attention to this issue and look forward to a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Defendants have been reporting derogatory and inaccurate statements and information relating to Consumer and Consumers credit history to third parties ( hereafter the inaccurate information ). The inaccurate information includes, but is not limited to, accounts with Astra, XXXX and personal identifying information. 

Despite Consumers efforts, Defendants, have never : a ) contacted the Consumer to follow up on, verify and/or elicit more specific information about Consumers disputes ; b ) contacted any third parties that would have relevant information concerning Consumers disputes ; c ) forwarded any relevant information concerning Consumers disputes to the entities originally furnishing the inaccurate information ; d ) requested or obtained any credit applications, or other relevant documents from the entities furnishing the inaccurate information ; and e ) performed any handwriting analysis.

Defendants XXXX willfully and negligently violated the FCRA, 15 U.S.C. 1681i by failing to perform a reasonable re-investigation into Plaintiffs disputes, failing to forward all relevant information to the furnish-er, parroting the furnish-er, and failing to notify Plaintiff of the results of the disputes. 

Defendants Astra and XXXX willfully and negligently violated 15 U.S.C. 1681s-2 ( b ) by failing to perform a reasonable investigation into Plaintiff disputes, which would have included reviewing and considering that Astra and XXXX did not have Plaintiffs signature on any documents, that Astra and XXXX had illegally reported accounts in Plaintiffs name without his knowledge or consent and that Plaintiff had multiple direct conversations with Defendants Astra and XXXX about this fraud.
Product: Payday loan, title loan, or personal loan

Avant has miscalculated our loan and refuses to fix this. I have been told that this is what we agreed to, and even though they know that they are overcharging us, that we have to live with this. 

The total interest that should be paid on a 48 month loan at 29.1 % should be {$8800.00} over the total life of the loan. We have already paid over that at {$9500.00} in just 3 years. They refuse to recalculate this and refuse even to give us credit on larger payments that we have been paying. 

Please see the attached payment schedule. 

Thank you so much for your help, XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Credit Bureau XXXX I recently XXXX XXXX copy of my credit report and noticed multiple hard inquiries that I do not recognize nor authorize. As I have not applied for credit or consented to these inquiries, I am requesting their immediate removal under the Fair Credit Reporting Act ( FCRA ). 

The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I do not recall initiating any credit applications or transactions that would justify these inquiries. Please remove these unauthorized inquiries from my credit report as soon as possible. 

Under the FCRA ( XXXX XXXX. XXXX ), a hard inquiry can only be listed on a credit report if it was initiated by the consumers request for credit. I am formally disputing these inquiries and demand that they be removed immediately. 

Thank you for your prompt attention to this matter. Please send me confirmation once the investigation and removal are complete. 

Sincerely, XXXX XXXX XXXX
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  acct. # XXXX, XXXX formerly XXXX acct. # XXXX ..., XXXX XXXX # XXXX, XXXX XXXX  acct. # XXXX, XXXX XXXX. store/ XXXX  XXXX acct. # XXXX, XXXX XXXX XXXX. acct. # XXXX ..., XXXX XXXX XXXX XXXX XXXX, The XXXX XXXX XXXX acct. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX 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 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: Mortgage

Issues wereXXXX. M & T Bank requested our credit report without our approval. 
XXXX. M & T Bank dispersed out property tax payment on XXXX XXXX, 2015, however the did not actually pay our taxes to the XXXX XXXX County Tax Assessor. Eventually we were able to have them pull our payment from their pending wire transfer and refund us. They did not pay us interest until we complained.
Product: Credit card or prepaid card

on XX/XX/26, i cancelled auto pay with US bank to govern my own payment schedule. 

on XXXX, i realized that {$280.00} was " transferred '' out of my account- this was not authorized or approved. 

on XXXX, at XXXX XXXX  PT, i called card services. no info was shared with me on how this happened.
Product: Debt collection

I am writing to formally dispute inaccurate and incomplete information reported on my consumer report, as required by the Fair Credit Reporting Act ( FCRA ). Specifically, I have identified discrepancies that do not comply with the FCRA 's mandate for reasonable procedures ensuring the maximum possible accuracy and completeness of the information. 


The account in question pertains to a vehicle alleged to have been repossessed. However, this account is inaccurately reported as " sold. '' As such, I am requesting an updated deficiency balance statement that accurately reflects the current status of the account. 

Your failure to ensure the maximum possible accuracy of this information constitutes a violation of the FCRA. I would like to remind you that under 15 U.S.C. 1681b ( e ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. 


I expect a resolution to this matter within the legally required timeframe of 30 days. Failure to address this dispute may result in further actions to enforce my rights under the FCRA. 

Enclosed, please find copies of relevant supporting documentation for your reference. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a duplicate collection in the amount of {$140.00} for the RMP SERVICES LLC partial account number XXXX. ( Please see page 4 of the attached credit report. ) This incorrect reporting is harming my credit score and is a violation of the Fair Credit Reporting Act. Please remove this line item from my credit report.