23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code 1681c-2 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. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account in violation not reporting accurate. In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts has violated my rights. Pursuant to 15 USC 1681 section 602 A states I have the right to privacy. Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

For sometime, I was a victim of domestic abuse by my now ex husband. During this tragic period of life I discovered that hed stolen my SS card and drivers license from my wallet. From that point the perpetrator applied for mortgage loan applications in my name as well as Credit card loans, in addition to filing income tax returns with out my consent. These incidents have been reported to the Federal Trade Commission, IRS, and all three Credit Bureau agencies. This individual has no respect for anything and will continue these vicious, illegal attacks until legal action has been taken against him.
Product: Debt collection

I went on liberty mutual website to get a home and auto quote. I was only able to get a home insurance quote and it did not have auto bundle with it. The website was confusing and hard to navigate. I couldn't even tell you what I was quoted for the home insurance because I wanted home and auto bundled. After several minutes of trying to bundle them again I got aggravated and left the web site. I never agreed to services I never seen or talked to an adjuster either. I did receive several annoying emails telling me my home insurance quote was still available. I never responded or even clicked on the spam e mails. Now it's on my credit and I never agreed to this company 's insurance. I never got a insurance card nothing. They fraudulently continued w my information trying to force me into there services.
Product: Credit card

I had a {$15000.00} credit card with Navy Federal and I was being charged both overdraft and fees for over 5 years. When it will show me my balance, but when I make a charge, I realize there were not really that amount in the account. I will then get penalized for it. Also, when I make a payment, it would take over a week to process and then I would get penalized for not covering the balance I had. Lastly, When I finally came into money and decided to pay off my whole {$15000.00} balance, Navy Federal took my credit card away from me immediately. That is not good business at all. They had to have made over 4x the amount that was given to me as credit, only to take my access away from the card all together after I paid it off. I still Needed the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit report and multiple inquiries that are showing up that do not belong to me I dont know how many letters I have to write and how many phone calls I have to make to state that I did not open these accounts they are no way linked to me I dont know why they are on my credit report. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Inquiries Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX/XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX CARD Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : EXPERIAN  BUSINESS CRED Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I've simply asked the to quit sending me emails soliciting services they sell. I have contacted them several times to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to rectify this problem for quite some time. 

I have been in contact with XXXX. Also, the United States bankruptcy court district of XXXX, New Jersey. Every time I follow a credit dispute with the credit bureaus I received information that the dispute has been verified. I've also asked how they verify the information and they never get back to me with it. I was told XXXX is the furnisher of information regarding bankruptcies. And they stated to me they have nothing in their database showing the bankruptcy for me. 

Reference Number XXXX Court US BKPT CT NJ XXXX Reference Number XXXX Court US BKPT CT NJ XXXX Reference Number XXXX Court US BKPT CT NJ XXXX   Reference Number XXXX Court US BKPT CT NJ XXXX Reference Number XXXX Court US BKPT CT NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I accessed my Equifax credit report. In the section for Inquiries '' there is an inquiry placed by XXXX XXXX XXXX XXXX dated XX/XX/XXXX and annotated as XXXX -- an inquiry placed for a pre-authorized offer of credit. 

First of all, XXXX XXXX XXXX XXXX has never sent me notice of any pre-approved offers of credit. 

Secondly, I am not a member of XXXX XXXX XXXX XXXX. I cancelled my XXXX membership approximately two years ago and closed all of my accounts. 

XXXX XXXX XXXX XXXX had no permissible purpose whatsoever under the Fair Credit Reporting Act to access my credit bureau reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME : XXXX XXXX XXXX-EQUIFAX-XXXX DATE : XX/XX/XXXX XXXX have reviewed my credit report and found there are several inaccurate data points within my personal identification which the listed bureaus are reporting. 

My only name : XXXX XXXX ( Please delete any other name you are reporting that does not match. ) My only address : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX ( Please delete any other addresses that you previously reported. ) NAME : XXXX XXXX XXXX : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX , IL, XXXX DATE OF BIRTH : XX/XX/XXXX Sincerely, XXXX XXXX
Product: Consumer Loan

I had called tidalwave finance on 2 seperate occasions to get info on a charge off account ... .I had been potentially looking towards filing bk ... .an attorney had informed me i needed balances and company info so he may further assist ... .i tried to see if i could possibly settle my account with tidalwave finance due to me not having a personal cell or home phone number a female XXXX sttd she had the right to tell me to send it in in writting and she sttd she will be hanging up now ... .and she hu on me ... ..i tried calling again to speak with a sup but only had gotten a vcml ... its frustrating to know this is my second time to have to put a complaint towards this company.Im a single parent and have very little income. the second time I called I asked what the settlement would be and how the amount is being set by ... he then sttd im on a daily ineterest then i asked if the company accrues daily interest on a chargeoff account? ... he then asked me if I have lost my contract ... I informed him i did and that I would like what he is telling me in wriiting he kept asking me other questions instead of answering me ..like why havent you paid its been a while sine i had stated i wasnt working ... .I informed him XXXX and my kids would get sick once I would start working ... .if he could please send me the info to the mailing address and he hung up on me ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

In pursuant to 15 USC 1681b ( a ) ( 2 ) which states " ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I, THE CONSUMER, DID NOT authorize the credit bureau IN WRITING to furnish my credit report to the following accounts listed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A vehicle was purchased in my name I filed a police report against it to have the account removed off my credit report. XXXX will not remove it just because they are saying Ally financial is reporting it as accurate. Just because you have my identity and it's my information does not mean it was me who physically signed for this vehicle. There needs to be hard proof because so many people 's identity is getting taking and it's changing our lives for the worst by not removing these fraud items. I since then placed a fraud alert on my report. My next step is filing a law suit against XXXX and Ally if I'm not treated fairly in this situation. XXXX and XXXX has removed the fraud account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a new ( used ) truck in XXXX of XXXX and had an accident that resulted in the vehicle being totaled out by the insurance company. XXXX XXXX was the finance company. In XXXX of XXXX I got a bill stating the payoff balance was {$200.00} and the payoff was good through XXXX. I paid the {$200.00} on XX/XX/XXXX before the payoff expiration date, and it cleared my XXXX XXXX XXXXXXXX account on XX/XX/XXXX. I received a " PAID IN FULL '' notice from XXXX XXXXXXXX on XX/XX/XXXX. Then, on XX/XX/XXXX, I got a new bill from XXXX XXXX with a new payoff balance and payoff date. XXXX XXXX can not keep adding a balance to my account. XXXX paid them off and now they have reported to the credit agencies I never paid my bill which is incorrect and I want this resolved. I disputed this with Experian, XXXX and XXXX and so far Experian, despite the supporting factual documents I have submitted, has not changed any of this info on my credit report. I need help fixing this. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

i noticed after looking at my credit report that it shows late payments of my credit cards credit cards are XXXX XXXX XXXX XXXX XXXX  According to the FCRA 15 USC 1681b it is illegal to report late payments
Product: Debt collection

Due to medical and covid-19 related issues we are unemployed without an income. My wife is a senior citizen. Global Lending Services repeatedly calls my wife and I on a daily basis including weekends. They start calling one day after the due date and continue calling on a daily basis. When they call they never verify who they are nor ask us to verify our information. They only state they are calling to collect a debt. We have informed them numerous times we have no income and would contact them or pay them when we can. More than one representative said they would provide us with only one month extension but have failed to send us the forms. My wife and I are tired of being harassed on a daily basis. We understand our obligation, but the repeated harassment is unnecessary. We have never been 30 days late or behind on payments. Another lender we have gave us 4 months extension with us informing them of our situation. Global Lending Services initially denied us any extension unless we paid them money we didn't have. It wasn't until we filed a complaint with the XXXX XXXX XXXX  before they offered us one month extension although they have failed to send us those documents to complete the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loans and credit cards listed on my credit report that I have no knowledge of. Someone has been using my credit before I even got the chance to. I never gave anyone access to any of my personal information. Below are accounts XXXX XXXX XXXX   XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$19000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I sent XXXX, Equifax, and XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 PayPal informed me that I needed to verify my taxpayer status, otherwise limitations would be put in my account. I did not know what this meant at the time. I tried to resolve the issue through the provided link but it was a dead link. On XX/XX/2018 I was informed limitations were put on my account. I called on XX/XX/2018 and emailed to ask for help but all I received was the same link and an alternative email address to send things through. I still was not told what to send. On XX/XX/2018 the 2nd time I called I was finally told what to send and I did so. However I was not told the whole thing and didnt find out the documents I provided were not adequate until I called a week later for a 3rd time on XX/XX/2018, waited 2 hrs on hold, and asked why the issue had not been resolved. I uploaded new documents verifying my taxpayer status and was assured this would be resolved within 24 hrs. Two days later, XX/XX/2018, I called for a 4th time to check again since it still was not resolved. I was assured I had submitted the right information but that their tax department was so back logged that they could not say when it would be resolved. This lack of information from PayPal has caused so much frustration and also as a result, I have had to put my XXXX business on hold as I can not accept any payments. I have been assured they will inform me when my account is ok but I have no faith that they will since they couldnt even let me know the original documents I provided were not enough. I do not want to keep calling, wasting my nights waiting on hold or for them to call me back. How else am I supposed to fix my PayPal account?!
Product: Credit card

On XX/XX/2024 I was visiting XXXX on a cruise. I went to XXXX to XXXX and went to a local merchant to purchase a souvenir magnet. The merchant insisted on selling me coins as well and would keep trying to bargain on a price with me. After XXXX mins of no-s he eventually said XXXX ( {$21.00} ) for both the magnet and the coins. I agreed and he took my credit card and charged me. I did not see the reader, a screen, or anything and when I asked for a receipt he refused. I did not sign anything either. A few hours later I see a charge on my card from the merchant for {$260.00} dollars. By then my ship already departed and I could not contact the merchant. I immediately notified my bank, Chase, and they said they would handle it.

Now almost 2 months later Chase is saying that the charges are valid and they will not be assisting me with this dispute because the merchant provided a receipt of the amount. Of course he provided a receipt, he was the one that charged me that insane amount for a magnet and coins! I tried calling Chase and telling them the situation but the insisted that I was " not accepting the facts ''. How can I provide any more information that a merchant overcharged me? Chase Bank has ineffectively handled this situation and should be penalized for treating their customers with such disregard.
Product: Credit card

I was offered a XXXX XXXX  credit card from Credit karma, On XXXX XXXX XXXX I deposited {$80.00} on XXXX next day I found a {$54.00} purchase that I never made I file a dispute and never got a response, then I file another dispute this time they canceled my card and ordered another one ( still I haven't receive it yet ), Today XXXX  I called and was transferred through departments finally I give up. I just want to get my money refunded and I will cancel all ties with Credit Karma for good, thank you for any help in advance.
Product: Debt collection

I received a message from my mother in who I do not have contact with advising American Express has reach out to her regarding my account. I called American Express to ask HOW they received my mothers contact information for whom has no association to my application. I didnt not add her contact information or phone number as a reference. They informed me that they have XXXX my name and contacted any number to ask if they know my regarding my affairs. This made me feel completely violated and my information exposed. They gave her a call at XXXX XXXX is the manager of internal collections
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

Good morning, I've having an extremely difficult time with capital one bank still reporting late payments on my credit profile well over 2 years old. I've tried to point this issue out to them that these late payments should've already been removed. 

I was informed that the late payments would fall off automatically and today when I checked my updated accurate credit report, it still shows the late payment that were supposed to had been removed off of my credit report. 

Their stagnation and unwillingness to report accurate information on my credit report is significantly impacting my credit score. I can not obtain new lines of credit because of this ongoing issue. Please assist in anyway possible. Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has falsely and unlawfully placed a " Consider '' remark on my report. I have sent documents to XXXX to support my claim yet the company refuses to update my report. I have attached documents to this claim along with XXXX 's Report.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request that the following inquiry be blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The inquiry listed below was made fraudulently as a result of this breach. 
Inquiry to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, is reaging an old debt for the amount of {$1200.00}. It is hurting my credit worthiness. It is stating the account was opened X/2017 and that is untrue. This is an illegal practice and it needs to be deleted from all major credit reporting agencies immediately. <P/>I called this company on XX/XX/XXXX and XX/XX/XXXX and they would not listen or try to resolve.
Product: Credit reporting or other personal consumer reports

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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 


I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 or prepaid card

Chase closed all my credit card accounts back in XXXX. The reason stated was excessive dispute amount. The fact that XXXX cancellations were still a thing was completely ignored by Chase. Upon speaking with a representative, who identified as a supervisor and called me to explain the reasoning, I was assured I could always apply in the future, and this decision wouldn't have any impact on my future applications. I applied once again and on XX/XX/XXXX I was approved for a Chase Sapphire card with a credit line of {$21000.00}. Today, when attempting to use my card for the first time, Chase Customer Service informed me that it had been closed due to bank policy on excessive dispute amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing due to non-compliance with XXXX, XXXX, Transunion. They have failed to remove information that was affiliated with personal details that were challenged recently. I strongly believe that they are in violation of the XXXX and are outright refusing to uphold the law. It has been more than XXXX days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( XXXX ), a credit bureau is required to respond to you and complete their investigation within XXXX days. If they do not respond within this time frame, they must remove the negative listing disputed items.